Personal Lines
Insurance
Tailored insurance solutions designed for your unique lifestyle and success.
As individuals become more successful, they face risks that the mainstream insurance market cannot adequately cover with standard homeowner, automobile, and umbrella policies. Cottingham & Butler offers a private client insurance program tailored to fit your lifestyle and designed to prevent or reduce your likelihood of loss.
The Cottingham & Butler Advantage
Our personal lines insurance solutions are built on three core principles:
Client Advocacy
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Our private client team works solely for you, not the insurance company
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Dedicated support for peace of mind for your family, assets, and wealth protection
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Clients are our number one priority
Exclusive Access
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Partnerships with premier private client companies
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Ability to offer broader, more comprehensive coverage at competitive costs
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Drive competition for your business, bringing multiple solutions
Thorough Exposure Review
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Comprehensive coverage review to identify and address gaps
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Maximization of carrier discounts and household protection measures
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Strategic deductible analysis for optimal cost-benefit balance
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Assessment of the negative impact of reporting small claims
Rather than a one-size-fits-all approach, our proprietary Personal Risk Assessment (PRA) process provides a complete roadmap for optimizing each client’s unique insurance program. We review coverage, risk transfer options, claims management, and loss prevention. The complete Personal Risk Assessment will analyze the following areas:
Program Design: Is your program the best for you?
Coverage Review: What is really in those policies?
Liability Assessment: Does your coverage match your net worth?
Risk Management: How effective are your risk solutions? ​​​
Comprehensive Insurance Solutions and Tailored Coverage for Every Aspect of Your Success
Personal Lines
Coverages
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High-value home insurance with unlimited rebuild coverage
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Luxury auto coverage with agreed value policies
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Personal umbrella liability up to $100,000,000
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Valuable articles protection (blanket and scheduled coverage)
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Yacht and watercraft insurance
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Private aviation coverage
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Personal cyber crime coverage
Personal Lines
Key Features
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Unlimited rebuild coverage for homes
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Flexible deductible options (can be waived up to $25,000 for claims over $50,000)
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Backup of sewer & drain coverage
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Cash settlement option for total losses
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Agreed value for auto policies
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Worldwide coverage for insured personal articles
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Excess liability coverage up to $100,000,000
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Uninsured/underinsured motorist coverage up to $10,000,000
"Cottingham & Butler thoroughly understood our needs and evaluated numerous options. They suggested coverage modifications we hadn't considered, resulting in a more comprehensive offering, better protection, and cost savings. Their professional approach left us completely satisfied with our partnership."
Personal Lines Client | Chicago, IL
