ABOUT US
A Century of Service, Rooted in Community
Hill & Stone Insurance Agency traces our origins back to April 15, 1912, when we were founded by an extraordinary woman. Esther Stone, a widowed mother and true pioneer of her time, established what would become a multi-generational legacy of trust and excellence in insurance services.
For over 110 years, our family-owned firm has been deeply rooted in the North Shore community, evolving into a nationally recognized agency serving successful families and businesses across the country.
What began as one woman’s determination has flourished into a trusted institution, now in its fourth generation of family leadership—a testament to our enduring commitment to our clients and community.
The Hill & Stone Difference
Expertise You Can Trust
Our team of experienced advisors includes professionally licensed staff with advanced insurance designations and master’s degrees. This expertise allows us to navigate the complexities of insurance with precision and insight.
Tailored Protection
We specialize in developing customized insurance solutions for successful families and businesses with complex needs. By understanding your unique circumstances, we create protection strategies as individual as your success.
Competitive Value
Leveraging our longstanding partnerships with the industry’s most trustworthy carriers, we secure the most innovative and competitive products available—ensuring exceptional coverage at compelling value.
A Relationship Built to Last
Many of our clients have trusted us across multiple generations. This continuity speaks to our dedicated approach—we don’t just insure assets, we build relationships designed to protect your legacy.
As your trusted advisor, we maintain a long-term perspective, anticipating your evolving needs and ensuring your protection strategy grows alongside your success.
Real Stories. Real Protection.
Every client’s needs are unique. These stories show how personalized strategies make all the difference.
Protecting a Family Legacy
Situation:
A multi-generational North Shore family with significant assets including a historic lakefront estate, multiple properties across the country, an extensive art collection valued at over $12.5 million, and three family-owned businesses approached us with concerns about coverage gaps and administrative complexities.
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Challenge:
After reviewing their existing policies, we discovered substantial vulnerabilities: inadequate coverage limits, incorrect policy forms, and significant liability exposures across their multiple residences and businesses. Additionally, they were managing over 15 separate policies with different renewal dates, carriers, and billing methods.
Solution: Our team developed a comprehensive protection strategy that included:
- Custom home policies with guaranteed replacement cost and cash settlement options
- Specialized fine art coverage with current professional appraisals
- Consolidated umbrella liability coverage extending over family-owned properties, vehicles, and watercraft exposures
- Domestic worker’s compensation coverage for family office employees
- Streamlined administration with aligned policy dates and simplified billing
Outcome:
Two years after implementation, a severe storm caused significant damage to their primary lakefront property. Our claims advocacy team worked closely with the company adjuster to coordinate all aspects of the recovery process – including securing top-rated roofers and general contractors to restore the home within weeks. The comprehensive coverage we had implemented resulted in a full recovery with zero out-of-pocket expenses beyond their chosen deductible.
The family credits our agency with a hands-on approach to customer service and claims counseling that resulted in their home being restored much sooner than neighboring residences.
Business Continuity Protection
Situation:
A successful North Shore professional services firm with 25 employees and two partners sought a review of their business insurance program following a company buyout.
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Challenge:
The firm had outgrown their existing coverage structure, leaving them vulnerable to professional liability claims, cyber threats, and potential business interruption. Additionally, they lacked adequate key person protection and succession planning.
Solution: Hill & Stone developed an integrated protection strategy including:
- Enhanced professional liability coverage tailored to their industry
- Comprehensive cyber liability protection with incident response services
- Business interruption coverage with extended period of indemnity
- Established key life insurance for the owner to comply with collateral assignment requirements of their lender facilitating the company buyout
Outcome:
When a ransomware attack targeted the firm years later, our cyber liability program immediately activated, providing IT forensics support, legal guidance, and client notification services. The business interruption coverage compensated for lost revenue during the recovery period, and our claims team coordinated all aspects of the response.
The partners credit our proactive approach with preserving their professional reputation through a challenging period.
Protect More, Worry Less.
Let’s create a protection strategy as unique as your success.