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

Our private client team works solely for you, not the insurance company
Dedicated support for peace of mind for your family, assets, and wealth protection
Clients are our number one priority

Exclusive Access

Partnerships with premier private client companies
Ability to offer broader, more comprehensive coverage at competitive costs
Drive competition for your business, bringing multiple solutions

Thorough Exposure Review

Comprehensive coverage review to identify and address gaps
Maximization of carrier discounts and household protection measures
Strategic deductible analysis for optimal cost-benefit balance
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

High-value home insurance with unlimited rebuild coverage
Luxury auto coverage with agreed value policies
Personal umbrella liability up to $100,000,000
Valuable articles protection (blanket and scheduled coverage)
Yacht and watercraft insurance
Private aviation coverage
Personal cyber crime coverage

Personal Lines
Key Features

Unlimited rebuild coverage for homes
Flexible deductible options (can be waived up to $25,000 for claims over $50,000)
Backup of sewer & drain coverage
Cash settlement option for total losses
Agreed value for auto policies
Worldwide coverage for insured personal articles
Excess liability coverage up to $100,000,000
Uninsured/underinsured motorist coverage up to $10,000,000