When it comes to protecting wealth, insurance is often the missing link in a client’s financial strategy. Real estate professionals, wealth advisors, and estate attorneys each play a vital role in helping clients build, manage, and transfer assets — but coordinating those strategies requires a team approach.
That’s where the Private Client Group at Risman Insurance Agencies comes in. For over 100 years, we’ve partnered with trusted advisors to safeguard Massachusetts families with complex, high-value portfolios — from historic estates and coastal properties to fine art collections and personal staff.
🏡 The Overlooked Link in Wealth Management
Your clients’ insurance program isn’t just about replacing property — it’s about preserving their legacy and financial security. Yet, many high-net-worth families unknowingly carry standard policies that can leave multimillion-dollar gaps in protection.
As part of your client’s advisory team, you help them navigate investments, real estate, and estate planning. Partnering with Risman ensures that their risk management strategy aligns perfectly with their wealth strategy — closing exposure gaps before they become financial setbacks.
💼 The Risman Private Client Approach
Our Private Client Group specializes in working with affluent individuals, families, and their advisory teams. We take a concierge-level approach to designing, coordinating, and managing comprehensive insurance portfolios.
Our process includes:
- Thorough coverage audits and risk assessments
- Coordination with advisors, attorneys, and family offices
- Discreet, relationship-based service for complex asset portfolios
- Direct access to elite carriers including Cincinnati Insurance, AIG Private Client Group, PURE Insurance, and Chubb
Our high-value home, umbrella, and collections policies provide broader protection and higher limits — covering the types of properties and lifestyles that standard insurers can’t.
Learn more about how Risman Insurance protects distinctive properties and luxury residences: High-Value Home Insurance in Massachusetts
🧩 How We Support Trusted Advisors and Their Clients
We partner with professionals across real estate, legal, and financial fields to help protect what their clients have built. Our role is to simplify the insurance process, identify potential gaps, and ensure every policy reflects each client’s lifestyle and property values.
- Wealth Managers & Financial Advisors: Provide insurance insight that complements your client’s financial planning, helping them safeguard high-value homes, autos, and collections.
- Estate Attorneys: Review coverage structures to help ensure trust-owned or estate properties are properly insured.
- Realtors & Brokers: Deliver prompt, accurate insurance solutions for closings on luxury or coastal homes.
- CPAs & Family Offices: Offer guidance on property and liability coverage to help minimize disruption after a loss.
We do not provide legal, tax, or investment advice — we collaborate with your trusted advisors to ensure coverage integrates smoothly into your client’s overall protection plan.
🏠 When to Bring Us In
Early collaboration helps avoid insurance surprises and ensures your client’s coverage evolves with their portfolio. Bring in Risman when your client:
- Purchases or builds a high-value or custom home
- Adds a coastal or secondary residence
- Employs domestic staff such as nannies or housekeepers
- Expands art, jewelry, or wine collections
- Reassesses liability limits or establishes a family trust
With proactive planning, we can align coverage before closing, coordinate appraisals, and tailor umbrella or EPLI policies as part of a cohesive protection strategy.
💬 Why Advisors Partner with Risman Insurance Agencies
- Independent expertise: We work for the client, not the carrier.
- Proactive service: We handle details so your clients stay focused on what matters most.
- 100+ years of trust: A legacy of service to Massachusetts families and their advisors.
- Comprehensive protection: From homes and autos to art, staff, and global exposures.
We’re not just placing policies — we’re helping clients preserve their financial stability and lifestyle through collaborative, strategic planning.
🔒 Partner with Confidence
When you introduce Risman Insurance to your client, you’re connecting them with a team that values the same principles you do: integrity, discretion, and personal service. Together, we help ensure that your clients’ success is protected — now and for generations to come.
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