OUR SERVICES
Comprehensive Coverage
When you bundle your insurance services with Hill & Stone, you gain access to premier carriers that offer their best products and pricing to comprehensive accounts. We evaluate all your coverage lines holistically to ensure proper protection across your entire portfolio.
By presenting your complete insurance needs to the competitive market, we secure enhanced coverage options, better pricing, and streamlined administration.
Our holistic approach addresses all aspects of your protection needs:
Personal Insurance
- Residences and automobiles
- High-value homes and coastal properties
- Antique autos and sports cars
- Valuable collections and fine art
- Jewelry and personal articles
- Identity theft and cyber protection
- Umbrella liability protection
- Domestic staff worker’s compensation
- Watercraft, recreational vehicles, and more
Business Insurance
- Commercial property and liability
- Management liability and D&O
- Employment practices liability
- E&O Professional liability
- Builder’s risk and contractor’s equipment
- Cyber risk management
- Worker’s compensation
- Umbrella liability, and more
Family Office Services
- Multi-generational planning
- Estate and trust protection
- International coverage
- Risk management consulting
- Claims advocacy
- Simplified administration
Explore Insights on Personal, Business, and Family Office Coverage
- Umbrella & Liability
Why Successful Families Often Need More Liability Coverage Than They Think
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- Business Insurance
Why Some Business Owners Outgrow Their Insurance Program
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- Family Office & Complex Households
What Family Offices Should Look For In An Insurance Advisor
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Specialized Insurance Expertise
At Hill & Stone, we’ve developed deep expertise in complex insurance scenarios that many agencies cannot handle. Our specialized knowledge allows us to provide comprehensive protection for unique situations and high-value assets.
Family Offices Services
- Multiple family entities and trusts
- Domestic and international properties
- Art collections and valuable assets
- Family office staff and operations
- Multi-generational wealth transfer planning
- Coordinated risk management strategies
We understand the unique challenges family offices face and provide streamlined administration with the highest level of confidentiality and service.
Multi-State Homes & Coastal Properties
- Primary and secondary residence coordination
- Hurricane and windstorm coverage
- Flood insurance optimization
- State-specific liability requirements
- Seasonal property management
- Guaranteed replacement cost coverage
- Coordinated policy management across jurisdictions
We ensure seamless protection whether your properties are located in the North Shore, Hamptons, Florida, California, or anywhere in between.
Sports Cars & Antique Autos
- Agreed value coverage for appreciating assets
- Show and competition use protection
- Restoration and modification coverage
- Storage facility protection
- International transport coverage
- Track day and racing event coverage
- Multiple vehicle fleet management
We work with carriers who understand the unique value and usage patterns of collector vehicles, ensuring your automotive investments are properly protected.
The Hill & Stone Commitment
Ongoing Reviews
In-House Claims Counseling
Our team offers guidance on the merits of filing a claim and leverages our carrier relationships to advocate for you throughout the claims process.
Responsive Service
We combine the stability of a century-old institution with the agility to respond quickly to your needs. Our clients enjoy direct access to our experienced team whenever questions or concerns arise.
Simplified Administration
We streamline your insurance experience by consolidating paperwork and providing unified billing with a single invoice and expiration date.
Protect More, Worry Less.
Let’s create a protection strategy as unique as your success.