Insurance Services

Insurance mitigates risk. And creates opportunities.

Life involves risk. Insurance helps manage it.  Empirical integrates insurance into your overall financial strategy to protect assets, reduce costs, and support tax efficiency.

WHAT

Make insurance more valuable.

High-net-worth insurance is not just about protecting assets. It is about finding ways to make your policies support your goals and help build your legacy.

  • Go beyond basic home, auto, and liability policies. Reduce total costs by bundling where appropriate, choosing coverage selectively, and setting deductibles that reflect your risk tolerance and financial capacity.
  • Add value by integrating long-term care policies that deliver a net premium of $0 through guaranteed return of premium benefits.
  • Save money using specific life insurance policies.
HOW

More options means smarter protection. We find the coverage that fits you best.

While insurance is all about the numbers, creating the right coverage is all about you. So, you can expect to have more conversations about your insurance needs than you have ever had before.

Our approach

The value of your assets matters. What you value matters more. We take the time to understand both before making any recommendations.

Together, we will create a package that protects your physical assets against loss, damage, and loss of use.

Increasing your liability coverage above $5 million may be appropriate, given the rise in jury award amounts in recent years. You may also want to consider coverage that includes libel, slander, and injury related legal defense costs.

Home care and long-term care can easily decimate fortunes. The right policy can protect your legacy and cost less than you think.

High-net-worth individuals may not need life insurance for traditional purposes. However, modern policies can support retirement planning by offering tax-free income options.

Beyond decades of experience in insurance, our brokers have another important qualification: the ability to work as integral part of our multi-disciplinary staff to ensure your insurance keeps up with your ever-changing needs.

WHY

Deliver peace of mind.

Change is constant. Empirical conducts periodic reviews of your insurance coverage to ensure you never take on more risk that you should.

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You may never need to file a claim. Even so, you will have confidence in your coverage and peace of mind knowing you received the best possible value.

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If you do file a claim, your financial staff and the insurance provider will coordinate to resolve it efficiently. The insurance performs as intended, with service and support at every step.

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Catastrophe hits. Fortunately, you are properly covered and continue living your life and building your legacy as if nothing ever happened.

Brian Kelca, MBA, CLU, ChFC

Director of Insurance

An insurance review is a key part of a client’s overall financial plan, and having all their coverage summarized in one place makes things easier. Clients are often over-insured, but when they’re under-insured, they appreciate knowing so they can decide whether to address the gap.
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Work with us

Insurance coverage for high-net-worth families can make all the difference. Let’s plan it together.

If you have read enough and are ready to get to work, we are too. If you still want to learn a little more, check out Our Approach for more details.

Work with us Our approach