Crisis Management
Be Prepared When Bad Things Happen
For Times When Life Doesn't Go According to Plan
When Bad Things Happen
It could be water damage from frozen pipes or an auto accident caused by your teenager. You may have been targeted in an identity cyber attack or experienced Mother Nature’s fury during a catastrophic storm resulting in significant property damage. Or, sadly, the diamond ring cementing your engagement and relationship mysteriously disappears.
Since no can can predict the future, JMP Insurance Brokers recommends being as prepared as possible for the unexpected. Because when crisis strikes, having the right insurance coverage can make all the difference for the things you care about most — both in weathering the storm and in bouncing back.
That’s why we utilize a consultative customer approach, which begins by assessing your priorities and concerns — allowing us to deliver more precision-tuned solutions centered around you. By doing so, you’ll be afforded the coverage you need and peace-of-mind you expect for proper preparedness to weather a crisis and with less risk of being exposed — for times when the right coverage is critical.
So when life throws lemons, JMP Insurance Brokers will ensure you’re sHielded and better prepared to get back on track.
Request Quotes Today and put the power of our consultative approach to work for you.
Request Quotes Today for All Your Coverage Needs
Water Damage
Let’s face it – we’ve all experienced water damage at one time or another. It’s no wonder since after wind events, water damage is the #2 cause of loss in the USA. Even though we can’t live without it, we certainly could do without too much of it all at once or it showing up in places it shouldn’t be.
That’s why at JMP Insurance Brokers, we only recommend all-risk policies, containing the broadest coverage available against the most forms of water damage, up to listed limits, for things like a backed-up sink, water leaks, wind-driven rain, pipes bursting, and sprinklers wrongly activating.
For many property types, we also advocate for the installation of water leak detection and low temperature monitoring as part of the alarm system which, in turn, will both shut off the water as needed as well as notify the alarm company to respond. In addition, we also recommend clients replace rubber appliance hoses with metal versions which provide enhanced protection against water leaks.
While flood events aren’t considered the same as water damage from an insurance perspective and therefore not covered in US Homeowners policies, JMP Insurance Brokers can secure needed Primary & Excess Flood policies up to NFIP and structural replacement cost limits respectively.
Fire & Explosion
Fire and explosion are powerful deadly forces destroying lives, property & often decimating entire regions. Their sheer ferocity terrorizes leaving victims defeated, homeless and sometimes killed.
At JMP Insurance Brokers, we respect the real existential risks posed, and therefore advise clients to protect themselves as best they can by insuring their properties whenever possible to full Insurance Replacement Cost (IRC) limits — representing the estimated total cost to rebuild after a devastating fire or gas explosion. Our tailored solutions may extend Structural Replacement Coverage from 25% or more up to no cap whatsoever for rebuilding a range of property types. Also, if covered fires or explosions force you from home, eligible coverage can pay reasonable Additional Living Expenses (ALE) for as long as necessary.
For clients owning homes in high-risk brushfire zones, JMP Insurance Brokers recommends insuring through Chubb or another of our Preferred Carriers whenever possible: providing best-in-class wildfire protection which include spraying an eligible home with fireproof flame retardants in order to stop fast-moving fires in their tracks and extinguish or redirect them elsewhere. Sometimes solutions include spraying neighboring homes in the fire’s direct path, even if insured elsewhere, clients’ homes are better protected. Once enrolled, the complimentary protection includes notification and evacuation services so clients stay informed of fire approaching as well as delivery of critical, time-assistance to evacuate quickly with expert supervision.
Request Quotes Today. Begin leveraging our expertise & specialized services to better protect against fires & explosions nationwide.
Request Quotes Today for All Your Coverage Needs
Request Quotes Today
For All Your Coverage Needs
Theft/Robbery
Did you know that most standard home and renters policies include theft coverage for belongings at home, and exclude it everywhere else?
At JMP Insurance Brokers, our theft solutions extend coverage off-premises — often worldwide — for both everyday contents and valuables collections and, In some cases, with no deductible when all policy terms have been met.
Contact Us Today for a comprehensive coverage review – including theft – against your current insurance package delivered by your current broker or mass market carrier. We’ll assess gaps or areas underinsured and identify coverage limitations/exclusions which were not previously known for such things like a bike stolen during a leisure park ride or your smartphone pickpocketed at the grocer.
Throughout the process, we’ll be listening and centering solutions around what you tell us is important. Our proposal framework reflects this consultative approach and prioritizes your input over all else while complementing it with our expertise and trusted advice, all based on your needs assessment and our recommended course of action.
Most importantly, we summarize and illustrate our findings and recommendations using a comparison chart — visually evaluating coverage and value on an ‘apples to apples’ basis. By doing so, clients tell us it’s easier for them to effectively evaluate from amongst all available options and their respective benefits and trade-offs — before any switch is made. Once they’ve made a final decision, they’ve told us they’re more confident about their purchase decision to properly protect against the things that matter most — including theft — because of the process utilized to get there.
Lost, Stolen or Damaged Valuables
For Valuable Articles Collections (VAC), it’s critical that items of significant monetary and sentimental value are protected under the broadest, most flexible circumstances available.
At JMP Insurance Brokers, valuables solutions can extend worldwide and include broad coverage against items being lost, stolen, damaged or that mysteriously disappear. For damaged items, eligible coverage often extends to the widest range of sudden and accidental occurrences which cause a piece’s integrity to be compromised.
And if collections include one-of-a-kind works or family heirlooms, clients are assured that JMP Insurance Brokers can deliver eligible solutions from our preferred carrier partners including settlement of eligible covered claims directly by check to the insured, eliminating worry around possibly being forced to accept a replacement solution dictated by an insurance company for an item which cannot be replaced.
When you’re a client of JMP Insurance Brokers, you’ll have utmost confidence that your valuables will be insured by carriers providing world-class protection and collections management services.
Request Quotes Today For All Your Coverage Needs
Request Quotes Today For All Your Coverage Needs
Flood/Storm Surge
Too often, those impacted by floods find out the devastating news after one occurs: they’re not covered or don’t have enough coverage and it’s already too late and the damage has been done. There’s still confusion between the peril of flood — defined as damage from risking/backed-up external surface waters — and the peril of water damage, both of which are different from an insurance perspective and also require separate flood policies as they’re excluded in US Home policies.
Therefore to protect against things like tidal storm surge from a hurricane or rivers overflowing their banks, separate Primary and Excess Flood policies are needed.
At JMP Insurance Brokers, we’ll understand your flood exposures, devise comprehensive solutions and advise on many ancillary services including: comprehensive flood preparedness, the purpose and uses of Primary and Excess coverages from NFIP & private carriers, and the importance of elevation certificates when securing coverage in flood zones.
Contact Us Today .
Auto-Related Incidents
Let’s face it – buying motor vehicle insurance is complex and confusing. Each day, the general public is bombarded with ads from the “Big 5” mass market insurers telling us they are “the best because we’re the cheapest” without proper context to back it up.
It’s no wonder we’re left ‘dazed & confused’, often choosing just to buy the “cheapest” option and call it a day. Yet, how do we know if its right for us? Or if it will properly protect us if something happens? And will there be accountability when buying online or via call center?
At JMP Insurance Brokers, we fully understand what you’re facing and why the process is daunting. It’s also why the right broker can make the difference navigating the options/risks and when purchasing coverage in-line with your priorities.
Did you know that roughly 40% of US Liability claims involve a vehicle? Or that 1 in 6 US Drivers is either underinsured or uninsured and may be unable to pay damages they’ve caused? Accidents by youthful and texting drivers are rising, and since COVID, so too are road-rage incidents, auto thefts, and break-ins.
Therefore, it’s never been more critical to tune out the Emu, Flo or a Gecko when insuring your vehicles and collector cars.
Contact Us Today and benefit from the power of our consultative approach for comprehensive vehicle protection across the USA.
Request Quotes Today for All Your Coverage Needs
Request Quotes Today For All Your Coverage Needs
Cyber Security, Extortion & Kidnap/Ransomware Threats
In today’s digital economy, the risks are greater than ever of cyber attacks targeted at successful and high-profile individuals & their families. for nefarious purposes.
With the growth and pervasive use of social media, SMS, and web search technology – particularly in the age of COVID – we’re spending more time online. Simple web searches can now produce a ‘treasure trove’ of information about us for hackers – above and beyond what we’re already voluntarily sharing with relative strangers on social media.
At JMP Insurance Brokers, we understand the severity of these risks and deliver relevant solutions designed for our successful clients, their private lifestyles and public profiles. Specialized coverages include response plans, notifications and clean up after an incident. and, when needed, carrier partners will mobilize federal, state and local authorities, private security consultants, and former FBI/CIA operatives. For certain clients, end-to-end lifestyle security audits may be needed to assess all macro and micro lifestyle risks through which they may be targeted.
Request Quotes Today to ensure your family is properly protecting against the evolving risks of our time in the 21st Century.
Employee/Domestic Contractor Injuries
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Domestic Trips & Falls
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Personal Injury Lawsuits/ Libel/ Slander/ Defamation
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Request Quotes Today For All Your Coverage Needs
Liability from Dog Bites
Request Quotes Today For All Your Coverage Needs
Weather Damage/Natural Disaster
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Although we love human’s best friends, if they were to bite, injure or maim someone, the liability risks of lawsuit are real and the concerns are only growing.
In today’s real estate market, many building owners, property managers, and homeowner associations actively screen for a dog’s bite and vaccination history, and require written certification that a dog is not a pure-bred or hybrid mix of several prohibited breeds before approving residency.
The same thing is occurring with our insurance carrier partners. Brokers are increasingly required to screen upfront for canines in the household generally and prohibited breeds specifically before an insurer will approve coverage requests for issuance.
Request Quotes Today and JMP Insurance Brokers will ensure you’re well informed and in full compliance with all policy terms and exclusions. If you’re sued because your dog bit someone, you won’t have to deal with it alone.
Becoming Ill
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Business Partner Complications
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Ensuring Wealth Preservation For Your Future Generations
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