Business Owners
Personal insurance built to sit alongside the complexity that accompanies ownership — entity-held property, fluctuating liability exposure, and assets accumulated over a long build.
◇03 — Personal Insurance
Protection designed around what you’ve built.
Personal insurance for complex lives and significant assets — business owners, executives, and families whose exposures exceed what standard home and auto programs were written to anticipate.
◇ Our Focus
A deliberately specialized practice.
Significant assets introduce complexity that standard personal insurance was never designed to carry. Reconstruction costs on a custom residence, liability that scales with visibility and net worth, articles that appreciate, property held in trusts and entities — each requires judgment rather than a rating algorithm.
We have chosen to concentrate where that judgment matters. Our personal insurance practice is built for households whose coverage should be evaluated as a coordinated program — reviewed proactively, aligned across carriers, and revisited as circumstances change rather than only when a renewal arrives.
High-Value HomesMultiple ResidencesExcess LiabilityValuable ArticlesWatercraftCollector VehiclesHousehold EmployeesTrust & LLC-Owned Property
◇ Who We Serve
The households we're built for.
Executives & Professionals
Coverage strategies for individuals whose assets, public visibility, and liability exposure exceed the assumptions built into standard personal insurance programs.
High-Value Homeowners
Programs designed around residences where reconstruction cost, architecture, materials, and contents require more specialized consideration than a standard form contemplates.
Families with Complex Assets
Coordinated protection across multiple residences, vehicles, watercraft, valuable articles, household staff, and the liability that connects all of them.
◇ What We Protect
Coverage lines, coordinated.
High-Value Home Insurance
Extended and guaranteed replacement cost, custom architecture, premium finishes, and specialized restoration — placed with markets built for these homes.
Personal Umbrella & Excess Liability
Meaningful excess limits benchmarked against assets, income, household activity, and the size of a plausible claim — not a rule of thumb.
Multiple Residences
Secondary, seasonal, and vacation homes insured to reflect occupancy, location exposure, and how each property is actually used through the year.
Personal Automobile
Luxury, performance, and multi-vehicle households placed with carriers that handle high-value repairs properly and support higher liability limits.
Collector Vehicles
Agreed-value coverage for classic and specialty automobiles, with usage terms and appraisal standards suited to appreciating assets.
Valuable Articles
Scheduled jewelry, fine art, watches, wine, firearms, and collections — broader perils, worldwide coverage, and limits that reflect current appraised value.
Watercraft & Yachts
Hull, protection and indemnity, navigational territory, and crew considerations matched to the vessel and how it is operated.
Investment & Rental Property
Landlord, tenant-occupied, and short-term rental exposures reviewed alongside the balance of the household program.
Trust & Entity-Owned Assets
Property held in trusts, LLCs, or family entities named and structured so ownership and coverage actually align.
Household Employees
Employment practices, workers' compensation, and liability considerations for domestic staff, caregivers, and household managers.
Flood & Catastrophe
Standalone flood and difference-in-conditions placements, because standard homeowners forms do not respond to rising water.
Personal Cyber & Fraud
Wire fraud, identity theft, cyber extortion, and family network exposure — increasingly relevant for households with visible assets.
◇ Our Approach
Advisory, not transactional.
Step 01
Portfolio Review
We start with the whole picture — every residence, vehicle, vessel, entity, and schedule — rather than quoting policies in isolation.
Step 02
Liability Assessment
We benchmark personal liability against assets, household activity, staff, and the exposures that actually generate large claims.
Step 03
Gap Identification
Under-insured dwellings, unscheduled articles, misaligned ownership, thin excess limits — the quiet gaps a first review almost always surfaces.
Step 04
Coverage Coordination
Policies are aligned so limits, forms, and effective dates work together instead of leaving seams between carriers.
Step 05
Carrier Selection
Sophisticated risks often require markets built specifically for higher-value property and higher limits. We place accordingly.
Step 06
Proactive Structured Review
We prepare ahead of renewal and reach out when circumstances change — a new residence, an appraisal, a liquidity event, a new entity.
◇ Business & Personal
Your business and personal risks are connected.
Owners and executives spend years building enterprise value and personal wealth at the same time. The exposures follow the same path: property held across entities, vehicles used for both purposes, board and advisory roles, household staff, and liability that rarely respects the line between the two.
Because we advise on surety, commercial, and personal programs, we can review both sides of that equation and give you visibility into where limits, forms, and ownership should work together. The programs remain legally separate — coverage under a business policy does not extend to personal assets, and the reverse is equally true. What changes is the perspective: gaps get identified deliberately rather than discovered at claim time.
◇ Common Coverage Gaps
What a first review usually surfaces.
Dwelling limits below true reconstruction cost
Custom millwork, stone, specialty glazing, and craftsman labor rarely appear in an automated valuation. High-value homes are frequently insured well below what rebuilding would actually require.
Excess liability limits set years ago
As assets and visibility grow, so does the size of a plausible claim. Umbrella limits appropriate at purchase are often materially underweight a decade later.
Unscheduled or stale-appraised articles
Jewelry, art, and watch values move. Standard forms cap these losses tightly, and schedules based on decade-old appraisals leave a real shortfall at claim time.
Ownership and named-insured mismatches
Property held in a trust or LLC while the policy names an individual is one of the most common — and most consequential — misalignments we find.
Secondary homes on the wrong form
Seasonal occupancy, short-term rental, or extended vacancy each require different treatment. The wrong form can quietly restrict or void coverage.
Household staff without proper structure
Domestic employees create employment and workers' compensation exposure that homeowners policies address narrowly, if at all.
Watercraft coverage that doesn't match use
Navigational limits, captain and crew arrangements, and layup periods often fail to reflect how a vessel is genuinely operated.
◇ Working Together
What it’s like working with AB Hurley.
- ◇ 01
We advise proactively rather than at renewal.
Renovations, acquisitions, a new vessel, a liquidity event — the moments that reshape personal exposure rarely align with a renewal date. We anticipate them and prepare in advance rather than reacting after the fact.
- ◇ 02
We evaluate the portfolio, not the policy.
Homes, vehicles, watercraft, valuable articles, entities, and excess liability are reviewed as one program. Coverage decisions in one area routinely change what's appropriate in another.
- ◇ 03
We size liability against real exposure.
Significant assets create significant liability. We benchmark excess limits against a plausible claim in your circumstances rather than defaulting to whatever limit was purchased years ago.
- ◇ 04
We coordinate personal and business perspective.
For owners and executives, we can review both sides of the risk picture — advisory coordination and visibility across programs, not policies that legally overlap.
- ◇ 05
We stay in the relationship.
A named advisor who knows the household, tracks appraisals and improvements, and gives considered guidance between renewals — not a service queue.
◇ Frequently Asked
Questions we hear often.
Have a specific question about your household? Ask an advisor directly.
Speak With an AdvisorA considered review of your personal risk.
Bring us your current declarations, a recent appraisal, or the exposure you keep meaning to address. A first conversation is unhurried, candid, and useful — whether or not we end up placing the program.