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Private Client

Personal Risk Management, Elevated

WHAT WE DO

Strategic Protection for Modern Wealth

We help simplify complex personal insurance. Through a dedicated advisory team and a disciplined process, we design and manage insurance programs that stay aligned as our clients’ lives and assets evolve.

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The Virtus way

“What my clients value most is ease—the assurance that everything is being thoughtfully managed. I take a personal approach, listening carefully and identifying what’s most important to them, then crafting a refined, specialized plan that brings together the right people and resources to deliver a seamless experience.”

 

IP8A4833 Christina Kamberis
Vice President, Producer

 

The Challenges Our Clients Face

Fragmented Coverage

Many clients come to us with multiple policies across different carriers—each with its own renewal cycle, coverage terms, and points of contact. Managing it all can feel disjointed and time-consuming. We bring everything under one coordinated strategy, simplifying oversight and ensuring nothing slips through the cracks.

Misaligned Protection

Insurance should reflect your specific risk profile and comfort level—not a generic template. Too often, clients are unknowingly overpaying for coverage that doesn’t fully protect them, or underinsured where it matters most. We tailor each program to strike the right balance between protection, cost, and peace of mind.

Volatile Market Conditions

In high-risk regions—whether due to wildfires, hurricanes, or other environmental exposures—clients often face unexpected non-renewals or steep rate increases. Through our deep carrier relationships and market expertise, we anticipate these shifts and proactively position clients for stability, continuity, and long-term security.

WHO WE ARE

Our expert team

Christina Kamberis
Christina Kamberis
Vice President, Producer
sean odonnell
Sean O'Donnell
Producer

A better way to manage personal insurance

We make personal insurance simple. Our process is designed to take the complexity off your plate — organizing what you have, identifying what matters, and quietly improving the program behind the scenes. You get a clearer, more coordinated insurance plan that stays aligned as your life and assets change, without having to manage the details yourself.

 

COVERAGES WE OFFER

Motor Vehicles
Distinctive Properties
Private Aviation
Umbrella & Excess Liability
Valuable Collections

WORKING WITH LEADING CARRIERS

Case Studies

Insurance Alignment After Transfer of Primary Residence into a Family Trust

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Client Challenge:
The client transferred legal ownership of their primary residence into a trust but left their homeowners and umbrella policies unchanged. No coordinated insurance review followed the deed transfer. The estate structure evolved, but the insurance program did not. 

 

Our Discovery:
We found the trust was not properly recognized on the homeowners policy, and the umbrella scheduling did not reflect the new ownership structure. The legal ownership and insurance design were no longer aligned. 

Value Delivered:
We conducted a deed-to-policy review, updated the homeowners policy to properly recognize the trust, and realigned the umbrella so liability protection followed the ownership structure. 

Outcome: 
The estate plan and insurance program now operate in parallel. Ownership, liability coverage, and umbrella protection are aligned — reducing the risk of complications at claim time. 

Identifying/Correcting a Liability Gap Created by Self-Insuring a High-Value Residence

house 1

 

Client Challenge:
The client chose to self-insure their primary residence while keeping an umbrella policy in place. The home was still owned and occupied, and they believed the umbrella would respond to premises liability exposures if needed. 

Our Discovery:
We determined the umbrella required underlying homeowners liability coverage to function properly. With no primary liability coverage in place, the umbrella would not attach as intended. The catastrophic protection they thought existed did not. 

Value Delivered:
We conducted a full review of the umbrella structure and its underlying requirements, clarified how attachment mechanics worked, and restored primary liability coverage so the umbrella could function correctly. 

Outcome:
The client moved from an uninsured liability exposure to a coordinated structure. The umbrella now operates as excess protection — not a substitute for primary coverage. 

Structuring Liability Protection for a Household with Domestic Staff

house 2

 

Client Challenge:
The family employed both full- and part-time domestic staff and carried high personal liability limits, including an umbrella policy. But there had never been a formal review of employment-related risk, and household employment practices were largely informal. They assumed their umbrella limits covered any potential liability exposure. 

 

Our Discovery:
We identified that workers’ compensation obligations applied based on their staffing structure and state law. There was no Employment Practices Liability coverage in place, and the umbrella alone would not respond to employment-related claims. In short, there was meaningful exposure that had never been structured properly. 

Value Delivered:
We coordinated appropriate workers’ compensation coverage and added Employment Practices Liability protection aligned with how the household actually operated. We also helped formalize documentation and employment practices so the insurance structure matched the real-world risk.

Outcome:
The family moved from assumed protection to a clearly defined liability framework — reducing the risk that an employment issue becomes a personal financial event. 

Get a complimentary coverage review

We’ll assess your current program to identify gaps, redundancies, and opportunities for better protection.