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. It's deliberately slow — fourteen days from intro to delivery — 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 fourteen days, the client receives a written audit on our stationery — 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, AIG, or PURE — 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.