Homeowners/Condominium-Owners

CCF&N offers custom solutions for primary, secondary, vacation and rental homes and condominiums. Our team can structure coverage for your most valuable assets; Hurricanes in Florida and on the coast, pose a challenge for many homeowners. Our experienced staff works directly with reputable storm shutter companies and wind inspectors to find the most economic and practical combination or mitigation pricing and insurance pricing. We offer a variety of options which can be reviewed periodically as market conditions change.
Our carriers offer broad protection to include: extended rebuilding coverage, cash settlement, large loss deductible waivers, equipment breakdown, high internal sub-limits for jewelry & business property, fraud coverage and sinkhole protection as well as complimentary additional services including on-site residential inspections, wildfire and hurricane proactive services, infrared home scans, background checks and personal security services.

Flood/Excess Flood

Flood insurance specifically provides coverage for rising water, tidal wave or storm surge. Typically in Florida, this damage occurs during a hurricane or tropical storm. The standard homeowners policy excludes loss from floods concerning both the home and contents. Our FEMA servicing carriers provide $250,000 dwelling and $100,000 contents coverage. Very often, higher limits are needed to repair or rebuild the home. Higher limits can be secured for the full replacement value of the home through many non-FEMA facilities.

Vehicles (including exotic, collector car, atv’s, motorcycles and motorhomes)

We have an outstanding selection of automobile carriers to meet your needs. Our Private Client carriers provide options including worldwide coverage, agreed value settlement, original manufactured parts and cash-out option (for total losses). Discounts can be granted for multiple vehicles, hybrid cars, preferred repair facilities, good students, drivers training or defensive driving, vehicle safety and anti-theft systems, low mileage, etc.

Traditional coverage such as liability for injuries or property protect your assets if you are the negligent party. Medical payments and personal injury protection pay the medical expenses and work loss benefits for you and those in your car regardless of negligence. Physical damage coverage for comprehensive and collision provides protection in the event of losses to your vehicle and is often subject to a deductible. Uninsured motorist protection provides you compensation if you are involved in an accident with someone who has little or no insurance or assets to compensate you for your injury, work loss or change in lifestyle. Additional coverage for towing and rental reimbursement is available for a minimal charge.

Collections (jewelry, art, musical instruments, antiques, coins, wine)

Our carriers offer flexibility for insuring your valuable possessions across the globe. . Appraisals are not required in many cases for jewelry items below $100,000 and art items below $250,000. Coverage can be selected on a blanket and/ or itemized basis. Valuable coverage is not typically subject to a deductible and provides coverage for flood, wind, earthquake, breakage and mysterious disappearance. Claims may be resolved on a cash basis or items replaced at market value.

Liability (EPLI, D&O, Personal Umbrella – up to $50m and excess uninsured motorist)

Personal liability exposure can be managed and reduced through appropriate personal liability insurance. We will assist you in determining your exposure and provide you with insurance solutions.

Personal Umbrella – The addition of an umbrella policy should be an integral part of your private insurance program. Umbrella coverage offers excess coverage from liabilities and risks for which your liability insurance does not cover.

When combined with your existing policies, the additional umbrella costs are very reasonable and provide additional coverage for liability exposure not ordinarily covered in a standard policy. . Limits up to $100,000,000 of excess personal liability are available and can also include excess uninsured motorist protection. Defense costs are provided outside the policy limit. Coverage can be included for personal injury if you are accused of libel, slander or causing bodily harm

EPLI (Employment Practices Liability Insurance) – EPLI is an important coverage if you have domestic employees to include wrongful termination, sexual harassment or employment-related discrimination. Defense costs are provided by this valuable protection.

Directors and Officers (not-for-profit) – Successful individuals are precisely the people not-for-profit organizations seek for their boards. However, these organizations typically operate on tight budgets and carry minimal amount of liability insurance. This coverage enhancement provides up to $1,000,000 of protection beyond existing board coverage.

Watercraft (mega yacht with crew to personal watercraft)

Whether it’s a small sailboat, wave runner or multimillion dollar yacht, our marine policies can provide worldwide coverage typically excluded by many insurers, such as protection for losses due to mechanical breakdown, faulty repair, and ice or freezing. Environmental damages protection reimburses for such losses stemming from environmental damages, caused by a covered occurrence and crew coverage protects crew claims under the federal Jones Act.

Builders Risk – for homes under construction

Very often the builder requires the homeowner to purchase this coverage while the home is under construction. Our team can secure this coverage to provide insurance protection against losses to the home prior to the CO.

Group Personal Excess Liability Insurance

Employers can offer benefits for their valuable executive level team with this personal umbrella liability coverage which is offered, rated and underwritten on a group basis. Limits of coverage from $1,000,0000 – $50,000,000are available.

Travel and Private Event Insurance

Travel Insurance – Individuals, executives and families who travel overseas may experience a medical emergency and require medivac protection or overseas concierge services. Our annual policies provide valuable protection at a minimal cost.

Private Event Insurance – Weddings, bar mitzvas, sweet 16’s, private parties, etc expose the planner and event holder to liability situations which most homeowner policies do not cover. This policy can also provide coverage for cancellation of the event, weather or other expenses incurred.

Equine & Farms – horse mortality, horse farms and liability

Thoroughbred ownership creates a unique set of exposures that can threaten personal wealth. Coverage can be provided for bodily injury and property damage losses arising from ownership, maintenance or use of owned thoroughbreds and entrustment or owned thoroughbreds to any person.

Kidnap, ransom & extortion

In addition to family/household safeguard endorsements to your homeowners policy, kidnap, ransom and extortion protection can help fill gaps that may exist.

Life Insurance and Long-term Care

Life Insurance has an array of products are available to allow your loved ones to continue in the lifestyle which they are accustomed and can offer tax relief.

Long-term care coverage is available to ease the escalating cost of medical assistance and also ease the burden of planning for the future.

Private Client Additional Services

• Comprehensive analysis & recommendations concerning lifestyle and insurance risks
• Annual Program comparison analysis
• Extended claim advocacy and monitoring with 24/7 emergency contact
• Flash drive access for your entire insurance program
• Preferred vendor lists for appraisers, shutter contractors, wind inspectors, etc.
• Complementary consultation prior to construction and planning of new home.
• Severe weather plan assistance from our marine expert
• Seminars & CE credits regarding pertinent new insurance matters and coverages