You have worked hard for the personal assets you’ve accumulated along life’s way. No doubt they reflect the things that give you pleasure -- a fine home, cottage, boat, jewellery, fine art, a well-stocked wine cellar, a luxury car. Give your special belongings the protection they deserve. HUB International HKMB's Private Client Management will work closely with you to ensure that your personal assets are as carefully insured as your business.
HUB HKMB is on Top of It!
You don't have time to research critical trends in insurance and risk management. The risks associated with houses under construction, home businesses, country homes and hobby farms are just some of today's volatile insurance issues. HUB HKMB stays on top of all of them so you don't have to.
Is your current coverage doing the job? Talk to us about coverage that meets your current demands and anticipates future needs. It may be time to review your automobile and residential insurance and consider specialty insurance on valuables, fine art, wine collections, watercraft and/or a personal excess liability policy.
Automobile Insurance
IMPORTANT: Changes for Ontario Drivers
Wondering how will you be impacted by changes to the Ontario Automobile Policy to be implemented September 2010?...Click here for more info or download a circular.
Personal Vehicles
Insuring vehicles of significant value is one of our specialties. We know how to make sure that the appropriate coverage is in place.
Recreational Vehicles
We work with several specialty markets offering comprehensive coverage's with competitive pricing for motorcycles, motor homes, trailers, and snowmobiles.
Residential Insurance
We have strong relationships with insurers who are the pre-eminent providers of products designed to protect high value properties. Our experienced team knows how to handle situations involving:
- Primary Residences
- Secondary and Seasonal Residences
- Condominiums
- Tenants
- U.S. Locations
Specialty Insurance
Valuables
Valuables refer to items such as jewellery, silverware, furs, and collectibles. If these items are not insured on a “scheduled basis” with “agreed values”, they will only be covered to a specified maximum within your homeowners' policy content limit.
Fine Art
Whether you have an extensive collection or several individual works, these valuable assets should be insured on a scheduled basis with values professionally appraised.
Wine Collections
Serious wine collectors understand the need to protect their wine cellars. Typically, homeowners insurance alone does not provide the kind of protection you need as a collector. HUB HKMB has available a custom designed Wine Program that offers the appropriate coverage of:
- Theft
- Fire
- Vandalism
- Breakage
- Extremes in temperature
- Fluctuations in humidity
- Vibration
- Light
What constitutes a wine "collection"?
A cellar of 50 bottles or more can be considered a wine collection.
How do I insure my collection?
Lower valued bottles can be “blanketed” together under one lump sum. More expensive vintages are specifically listed on the policy. There is a $500 deductible in the event of a covered loss.
Watercraft
Residential policies provide limited coverage for watercraft. Therefore, a specific boat or yacht policy is required to provide coverage for the boat and equipment, personal property and liability. Whether you own a small runabout, sailboat, or multi-million dollar yacht, we work with specialty markets that can tailor coverage to meet your needs.
Personal Excess Liability
A standard residential policy provides a specified limit for Personal Liability coverage. With the growing incidents of lawsuits, we recommend a Personal Excess Liability policy. This specialized policy provides liability protection to a specified limit above that included in your residential, automobile or watercraft policies. In addition to these increased limits for “personal injury or property damage” you may cause, the policy protects you in the event of a lawsuit resulting from your participation on a not-for-profit board of directors.
