Services
High Value Homeowners Insurance
The total loss of a home is an emotional catastrophe and potential financial catastrophe. Robinson Strategic Advisors has access to coverages for luxury homes and coastal properties that most carriers are hesitant to underwrite. In the same regard, we are able to provide flood coverages within the same or on a separate policy. At Robinson Strategic Advisors, we perform an in-depth audit to determine a client’s exposure and educate our clients every step of the way providing guidance and direction. Coverages include but are not limited to:
- Replacement cost
- Replace, rebuild or receive a cash settlement
- Comprehensive risk consulting and prevention
- Additional living expenses
- Coverage for sewer and drain backups
- Debris removal
- Code upgrade coverage
- Renters insurance (HO4 and HO6 type coverages are customizable)
Farms & Agricultural Business
Farms and Agribusiness retail & wholesale are our cornerstone of expertise. When it comes to horse farms, apple farms or nursery garden centers, we have the most in-depth tailored coverages. Robinson Strategic Advisors has access to the leading farm and agricultural insurer on the east coast. We provide property and liability coverage for all equipment products and supplies, commercial auto, workers compensation, and excess liability all on one policy.
Coverages include but are not limited to:
Nursery/Garden Centers
Retail and wholesale florist
Agricultural equipment and supplies
Crop and product loss
Cooler and greenhouse
Vineyards
Fruit and vegetable farms retail and wholesale
Farmers Market
- Equestrian farms
- Show coverage
- Horse mortality
- Riding arenas
- Barns (all types)
- On and off premises
- Cattle beef and Dairy
- Ranches
Contractor Programs
Our group continues to serve the contractor market as one of our cornerstone services. The advantage Robinson Strategic Advisors has over other companies, is that we can provide the contractor one stop shopping. We can provide complete general liability, commercial auto coverage, equipment coverage, workers compensation coverage and excess liability coverage. Most of our contractors can obtain all of their policies with one main carrier. This allows ease of billing and tracking and most importantly certificate generation so compensation is received quicker. We specialize in small and middle market contractors such as:
- Builders
- Heating and air conditioning
- Electrical
- Plumbing
- Landscapers
- Masonry and stone
- Architects
- Pool companies
- Painters
Commercial Properties
Robinson Strategic Advisors provide a wide array of tailored coverages to fit your company’s property needs. We understand that each client’s property holdings are unique with different risk features that need to be addressed. We use in depth multi-location schedules and can provide blanket coverage or specific coverage per location. Our group has insured upwards of $50 million for commercial building coverage in multiple states on past projects. Robinson Strategic Advisors has the knowledge and capability to present your exposure to our carriers to get the best possible pricing for your company. Coverages include but are not limited to:
- Property coverage both specific or blanket coverage available
- Liability and contents
- Loss of use
- Employee theft
- Workers compensation
- Loss of rents
Family Office Planning
Statistics show that most businesses will be lost within three generations due to lack of planning. Robinson Strategic Advisors work closely with a family office to help clients understand the importance of proper planning out five generations. We have extensive knowledge on trust design that incorporates:
- Family tax governance strategies
- Protection and Risk Management of assets
- Utilization and proper implementation of all trust that a family or business may need
- Utilization of 831b or 953D insurance captive design
- Private placement Life insurance implementation for hedge funds and Venture capitalist
- Executive compensation
- Business succession planning and exit strategies design to reduce tax and estate issues
- Education of the family on multi generation transfers
- ESOPS
- Philanthropic and charitable strategies to help fund those in need that are near and dear to a family’s heart
Personal Luxury Vehicles
Robinson Strategic Advisors provide tailored strategies for a variety of personal luxury vehicles. We handle all luxury brands coordinated with umbrella coverage to provide extra liability for asset protection. We also provide custom coverages for rare and classic cars. Coverages include but are not limited to:
- Agreed value coverage for high value and custom vehicles
- Choice of repair shop
- Rental car reimbursement
- Original equipment manufacturer parts
Luxury Yachts/Watercrafts
Robinson Strategic Advisors provide our clients with exceptional custom tailored coverages from top insures. We explore custom coverages including P & L, all risk coverage, worldwide navigation, environmental damage, crew coverage, property coverage including fine art and tender coverage. Coverages include but are not limited to:
- Agreed value
- Wreck removal
- Hurricane coverage & haul out
- Broader liability limits
- Crew coverage
- Lower deductibles for personal effects
- Lower deductibles for electronics
- Automatic tender
- Occasional charter usage
- Custom navigational territories
- Marine environmental damage
Personal Life Insurance & Annuity Programs
Life insurance is one of the most important plans your family can have. Robinson Strategic Advisors help families and businesses understand that one of the most important things a family or business needs to think about is a loss of a partner or spouse. We are not afraid to ask the tough questions that someone will face when there is a loss. We provide a tailored program that can incorporate different types of life insurance for a family. Don’t let poor planning ruin your families or your businesses future. Coverages include but are not limited to:
- Term life: 10 year, 15 year, 20 year and 30 year programs
- Whole life permanent programs
- Indexed life insurance permanent programs
Additional Services
General Liability (Most Classes)
Fleet Commercial Auto
Private Aviation
Snow Programs
Workers Compensation