Insurance counsel for clients whose lives are not standard.

Ashford Whitcombe was founded in 1932 by Edmund Ashford in a brownstone on Greenwich Avenue, serving the local fishing fleet and a handful of wealthy estate owners whose summer homes lined the coast from Old Greenwich to Stamford. Ninety-three years later, the firm has changed hands four times — always within the family — and serves a clientele that begins, for most of our private-client households, around three million dollars in insured property and extends into family offices, foundation boards, and middle-market closely-held businesses across the Northeast.

We do not write the simplest auto policies. We do not promote the lowest premium. We accept that the carrier panel we represent — Chubb, PURE, AIG Private Client Group, Vault, Berkley One, Cincinnati Specialty, and the better mid-market commercial markets — is selective in whom it appoints, and we are selective in whom we propose.

What we do is sit at a conference table with a household or a CFO and read a current insurance program, line by line, looking for the gaps no one has noticed. Then we propose a replacement program — sometimes with the same carrier, often not — that addresses the gaps and the risks specific to the client's life. Our work is not to lower a premium. Our work is to ensure the premium is buying what it ought to be buying.