The personal P&C arm
of the wealth plan you built.
You design balance sheets. We protect what sits on top of them. Several Valley advisors have referred clients to us for years — quietly, on letterhead, never in conflict with the trust and umbrella structures you've already designed.
Because the leakage is real — and it's on the property side, not the portfolio.
Coverage gaps quietly undermine the plan.
An $850K home insured at $620K. A $4M umbrella when the household drives three cars and owns a vacation rental. These hide in the binders until something breaks.
Your client doesn't want another vendor pitch.
They want a signed letter, on stationery, that explains in English what their current policy actually does — and what we'd change. We deliver that. Every time.
You stay in the loop, by default.
You receive a courtesy copy of every audit and every renewal letter. We never move anything that contradicts your trust, LLC, or umbrella architecture without coordinating first.
A four-step referral, signed and coordinated.
We've refined this with the advisors we work with. The client hears our findings within 48 hours, and the signed letter follows by mail within five business days — because the deliverable is a document, not a sales pitch.
Refer a Client- 01Warm introduction.
You send us the client's name and what you're hoping we'll do. Email, text, or a brief call — your choice.
- 0230-minute review.
In-home, in our office, or by Zoom. We collect declarations pages and any context you've shared.
- 03Signed coverage letter.
Within 48 hours, the client hears the findings; the written audit on our stationery follows by mail within five business days — and you receive a courtesy copy.
- 04Coordinated execution.
If anything moves, we coordinate with your trust, LLC, or umbrella plan first. Nothing happens that surprises you.
What we'll align with — every time.
Revocable & irrevocable trusts
Named insured structures, including dynasty and ILIT considerations.
LLC & family-office holdings
Property ownership through LLCs, including coordination with the FO's risk manager.
Umbrella stacking
Layered personal umbrellas up to $10M; coordination with corporate umbrellas above.
Collectibles & fine art
Scheduled with Chubb or AIG — never in the basic homeowners form.
Aviation & marine
Jet, helicopter, yacht, and watercraft — coordinated with the asset attorney.
Secondary & cross-border
Second homes (CA, CO, MT), Mexico coverage, and snowbird logistics.
We hold a confidential client list of the advisors we work with.
We do not name our advisor partners in marketing. References available under signed NDA when it's useful — and only then. The relationship is yours; we are the P&C arm of it.
“We've referred clients to Sullivan James for years. They coordinate with our wealth plans the way a partner should — and the families consistently tell us they're glad we introduced them.”
— Valley wealth advisor · 8 years partnered
30 minutes. Coffee or Zoom.
The shortest path to seeing whether we're a fit is a single conversation. We'll walk you through how we work and answer anything specific to your book.