What umbrella limits do you typically write?

Most private-client households carry between ten and thirty million in personal excess. Chubb, PURE, AIG Private Client, and RLI all write umbrellas to $50M for the right households.

Do you write collector vehicles?

Yes — through Chubb Cornerstone or Hagerty depending on use pattern. Agreed-value, exhibition, and restoration-in-progress are all available.

We handle aviation through a long-standing specialty referral partner. Helena Burroughs co-coordinates the placement from the Newport office.

Do you write watercraft for international waters?

Yes. Chubb, AIG Private Client, and Berkley One all write watercraft for international waters subject to navigation-limit endorsements and hurricane haul-out requirements.

How is uninsured-motorist coordinated with the umbrella?

Most private-client umbrellas now offer follow-form UM/UIM coverage, which we typically purchase at the umbrella limit. The coordination prevents a gap between the underlying auto UM/UIM and the personal umbrella.

Auto, Marine & Collector Vehicles — Ashford Whitcombe & Partners

The household auto program produces the most service calls of any line in the firm. It also generates the most consequential coverage decisions in a private-client program — because most household liability exposure runs through the auto policy and the personal-umbrella tower that sits above it.

The Newport office runs the marine practice — Helena Burroughs, CPCU, a former Travelers Yacht underwriter, leads it. The Greenwich office coordinates the auto, collector, and personal-excess work; aviation we handle through a long-standing specialty referral partner.

We write these programs across the same private-client carriers that write the property programs — Chubb, PURE, AIG Private Client, Berkley One, Vault — and use Hagerty for collector vehicles where the use pattern is exhibition or restoration rather than daily driving.

What we typically write

Personal Auto: Including teen drivers, multiple-state titling, vintage daily-drivers used outside the agreed-value market, and the standard underlying coverage for the personal-umbrella tower.
Collector & Classic Vehicles: Agreed-value, exhibition use, restoration-in-progress, transit, and event coverage. Placed through Chubb Cornerstone or Hagerty depending on use pattern.
Watercraft: Sail and power, U.S. and international waters, hurricane haul-out endorsements for moored vessels, charter-out and bareboat-charter exposure for owners who occasionally charter their vessels.
Aviation: Private aircraft — both fixed-wing and rotorcraft. Placed through a specialty referral partner with co-coordination from Helena Burroughs.
Personal Excess Liability (Umbrella): Limits to $50M, worldwide coverage, defense outside the limit, follow-form UM/UIM where available. Chubb, PURE, AIG Private Client, RLI, and Berkley One are our primary excess markets.
Uninsured/Underinsured Motorist: Coordinated with the umbrella for non-standard households. The most common gap we surface in auto reviews: UM/UIM limits matching only the underlying auto BI limit, not the umbrella above.

Most umbrella policies sold in the standard market top out at five million. Our private-client households typically carry between ten and thirty million in personal excess, structured to coordinate with the household's auto, watercraft, and home-liability towers.

Carriers we use for auto and marine

Chubb

Chubb Masterpiece auto and umbrella; Chubb Yacht for vessels under 100 feet. The most-used market for households whose program lives across auto, home, fine-art, and umbrella with a single carrier.

AIG Private Client Group

Strong appetite for international and multi-jurisdiction households. Helena Burroughs has handled several AIG yacht placements for Block Island and Edgartown clients.

PURE

Member-owned reciprocal. Personal-excess limits to $50M for member households; competitive on collector vehicles where the use pattern is mixed (some exhibition, some occasional daily).

Hagerty

The collector-vehicle specialist. For exhibition-only, restoration-in-progress, and event-only use, Hagerty is the firm's most-used market. Coordinated with the primary auto placement to avoid double-coverage on a daily-driver.

Vehicles, vessels, and the lives that come with them.