Personal Risk Management
You’ve worked hard for your lifestyle, let us help you protect it.
At Felton, Berlin & Erdmann we take pride in offering the highest level of risk management consulting services to ensure that our clients are properly insured. Upon introduction to the agency, each client receives a comprehensive, ground up review of their current personal insurance program to identify gaps in coverage, followed by a one on one consultation with a client advisor to identify uncovered current and future exposures. Next, we market your program with the top high net worth insurance carriers to provide you with a customized solution. When possible, we consolidate your personal insurance with one carrier to increase the efficiency of your insurance investment.
Once you become a valued client you will have access to our highly knowledgeable, professional and responsive client advisor team. You will be assigned a dedicated account manager who can answer all of your questions, assist in the claims process, and most importantly, conduct annual reviews of your program so we may adjust your personal insurance package as your life changes.
Your home is a valuable asset which requires thoughtful and appropriate protection. Access to the broadest and most comprehensive coverage in the insurance marketplace is what you need and deserve. Not only do the insurers we represent offer the most comprehensive coverage, they are also the most innovative. We maintain licenses in almost all 50 states and we also have access to international insurance providers when necessary.
- Large, unique and custom built homes
- Homes with a replacement cost of over $1,000,000
- Unique coverage for city homes / brownstones
- Large secondary and vacation homes
- Homes located in coastal areas
- Coverage for condominiums, co-ops and renters
Coverage Features:
- Guaranteed Replacement Cost
- Unlimited coverage for rebuilding to code
- Unlimited coverage for additional living expenses
- Unlimited coverage for debris removal
- Cash out option
- Flood coverage available
- Earthquake coverage available
- Workers Compensation Insurance is available for household employees
It is important to protect yourself from the always present danger of auto liability. Our client advisor team is happy to recommend the appropriate level of coverage to suit your needs.
Auto Policy Coverages
- Bodily Injury
- Personal Injury Protection
- Bodily Injury Caused by Uninsured/Underinsured Auto
- Property Damage
- Medical Payments
- Collision
- Comprehensive
- Substitute Transportation
- Towing and Labor
Many of our clients require insurance for their valuable articles collections. A carefully structured schedule will enhance the risk management program we design for you.
Coverage for Unique Collections
- Jewelry
- Fine Art
- Silverware
- Fur
- Fire Arms
- Collectibles
- Musical Instruments
- Cameras
- Stamps
- Coins
- Wine
Coverage Features
- Worldwide Coverage
- No deductible applies
- Coverage for newly acquired items
- No deduction for depreciation
- Breakage is automatically included for all classes
Personal Excess Liability insurance is perhaps the most important coverage in your risk management program. Protecting you and your family’s assets from the potential of catastrophicfinancial loss is of paramount importance.
Coverage Features
- Coverage limits up to $100,000,000
- Worldwide Coverage
- Excess Uninsured/Underinsured Motorist Protection coverage available up to $10,000,000
- Employment Practices Liability coverage for full time domestic staff Not-For-Profit Board of Directors coverage
- Kidnap & Ransom coverage
Most vessels require specific liability coverages mandated by maritime law. Felton, Berlin & Erdmann can provide you with expert advice to insure your vessel whether it’s 20 feet or 200 feet in length. We can provide coverage for all types of vessels ranging from weekend sailboats to “Megayachts”
Coverage Features
- High limits of liability available
- Worldwide navigational limits
- Newly acquired watercraft coverage
- 12 Month navigation with no lay up clause
- Liability coverage for full time paid crew
- Uninsured Boater coverage
- Coverage for personal effects
- Workers Compensation coverage (Jones Act)
- Workers Compensation Insurance
- Aviation Insurance
- Farm & Ranch Insurance
- Animal Mortality Insurance
- Group Excess Liability
- Medical and Security Evacuation by Global Rescue