For almost 100 years, Hill and Stone has specialized in reducing risks and managing the liability exposures of the affluent market in northern Illinois and throughout the country. We are licensed in almost all states and have the ability to insure exposures world wide.

The more complex coverage needs of high net worth families may include: high-end homes with custom features; coastal properties- a risk factor for floods and hurricanes; valuable art, wine or jewelry collections; multiple automobiles and drivers and high-end luxury vehicles; liabilities related to domestic staff employment, participation on a non-profit board, large-scale entertaining, or in-home swimming pools, tennis courts and gymnasiums.

Hill and Stone identifies coverage gaps and provides solutions with insurance products designed to fit sophisticated needs.

Our agency not only represents all the major insurance carriers specializing in covering the needs of the affluent market, but each of our customer service representatives knows the fine details of coverage in the insurance policies.

Whether you need especially high umbrella liability coverage, protection overseas, or for family trusts, we are available 24/7 to handle your special insurance needs. It would be our pleasure to assist you in protecting your home and net worth either directly or through your lawyers, accountant, or trust department.

We guarantee to find at least three gaps in your expiring program that could cost you tens, if not hundreds of thousands of dollars. At Hill and Stone, we offer unmatched individual care and attention to the needs of our clients. If you are not 100% satisfied with our service, we will donate $50 in your name to your favorite charity.