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 & 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 & 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 & better prepared to get back on track.  Request Quotes Today & put the power of our Consultative Approach to work for you.

Request Quotes Today for All Your Coverage Needs

Including Comprehensive Protection Against Water Damage.
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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.  So 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, & sprinklers wrongly activating.

For many property types, we also advocate for the installation of  water leak detection & low temperature monitoring as part of the alarm system –  which will both shut off the water as needed & 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.

And while Flood events aren’t considered the same as Water Damage from an insurance perspective, & thus not covered in US Homeowners policies,  JMP Insurance Brokers can secure needed Primary & Excess Flood policies up to NFIP & Structural Replacement Cost limits respectively.

 

Fire or Explosion

Fire & Explosion are powerful deadly forces destroying lives, property & often decimating entire regions.  Their sheer ferocity terrorizes – leaving victims defeated, homeless & sometimes killed.

At JMP Insurance Brokers, we respect the real existential risks posed, & thus 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% more up to no cap whatsoever  — for rebuilding a range of property types. And, 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 thru Chubb, or another of our Preferred Carriers whenever possible — providing Best-in-Class Wildfire protection, including spraying an eligible home with fireproof flame retardants – which stop fast-moving fires in their tracks & extinguish or redirect them elsewhere.  Sometimes, solutions include spraying neighboring homes in the fire’s direct path – even if insured elsewhere – so Clients’ homes are better protected.  Once enrolled, the complimentary protection includes notification & evacuation services –  so Clients stay informed of fire approaching, & deliver 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

Including Comprehensive Protection Against Fire & Explosion
REQUEST QUOTES

Request Quotes Today
For All Your Coverage Needs

Including Comprehensive Theft Solutions
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Theft/Robbery

Did you know that most standard Home & 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 & valuables collections.  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  by your current Broker or Mass Market carrier. We’ll assess gaps, areas  underinsured, & identify coverage limitations/exclusions which were not previously known around 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 & prioritizes your input over all else & complements it with our expertise & Trusted Advice based  on your  needs assessment and our recommended course of action.  

Most importantly, we summarize & illustrate our findings and recommendations using a comparison chart — which visually evaluates 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 & their respective benefits & trade-offs —  and  before any switch is made.  So that 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 & sentimental value are protected under the broadest, most flexible circumstances available.  

At JMP Insurance Brokers, valuables solutions can extend worldwide & 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 & 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 JMP Insurance Brokers can deliver eligible solutions from our Prefered Carrier Partners which include 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 our Insurance Brokerage, you’ll have utmost confidence that your valuables not only will be insured by carriers providing world-class protection & collections management services, 


Request Quotes Today For All Your Coverage Needs

Including Comprehensive Protection for Your Valuables Against Loss, Theft, Damage & Mysterious Disappearance Worldwide.
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Request Quotes Today For All Your Coverage Needs

Including Comprehensive Protection Against The Peril of Flood.
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Flood/Storm Surge

Too often, those impacted by floods find out the devastating news after one occurs:  that they’re not covered or don’t have enough — when it’s already too late & 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. Which besides being different from an insurance perspective, also require separate flood policies as they’re excluded in US Home policies.   

So, to protect against things like tidal storm surge from a Hurricane or rivers overflowing their banks, separate Primary &  Excess Flood policies are needed.

At JMP Insurance Brokers, we’ll understand your flood exposures & devise comprehensive solutions & advise on many ancillary services including: comprehensive flood preparedness, the purpose & uses of Primary & Excess coverages from NFIP & Private carriers, & 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 & confusing.  Each day, the general public is  bombarded with ads from the “Big 5” mass market insurers telling us they’re “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 & why the process is daunting. It’s also why the right Broker can make the difference navigating the options/risks & 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?  That accidents by youthful & texting drivers are rising,  & since COVID, so too are road-rage incidents, auto thefts, & break-ins?

So it’s never been more critical to tune out the Emu , Flo or a Gecko when insuring your vehicles & 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

Including Comprehensive Protection For Private Passenger Motor Vehicles & Collector/Historic Cars
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Request Quotes Today For All Your Coverage Needs

Including protection against Cyber Threats & Kidnap & Ransom Plots
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Cyber Security, Extortion & Kidnap/Ransomware Threats

In today’s digital economy,  the risks are greater than ever of cyber attacks targeted at successful & high-profile individuals & their families. for nefarious purposes.

With the growth & pervasive use of social media, SMS, & 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 & beyond what we’re already voluntarily sharing with relative strangers on social media. 

At JMP Insurance Brokers, we understand the severity of these risks,  & deliver relevant solutions designed for our successful clients, their private lifestyles & public profiles.  Specialized coverages include response plans, notifications & clean up after an incident.  And when needed, carrier partners will mobilize federal, state & 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

Including Liability Protection from Dog Bites for Eligible Breeds
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Liability from Dog Bites

Although we love Human’s Best Friends, if they were to bite, injure or mame someone, the liability risks of lawsuit are real, & 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 & 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 & prohibited breeds specifically  — before an insurer will approve coverage requests for issuance

Request Quotes Today &  JMP Insurance Brokers will ensure you’re well informed & in full compliance with all policy terms & exclusions.  So if you’re sued because your dog bit someone,  you won’t have to deal with it alone.

Request Quotes Today For All Your Coverage Needs

Including Liability Protection from Dog Bites for Eligible Breeds
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Weather Damage/Natural Disaster

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Becoming Ill

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Business Partner Complications

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Ensuring Wealth Preservation For Your Future Generations

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