--- title: "Connect the Dots: Estate Planning meets Property and Casualty Insurance" description: "Connect the Dots: Estate Planning meets Property and Casualty Insurance" image: https://www.risk-strategies.com/hubfs/Imported%20sitepage%20images/iStock-1058480580.jpg --- - Industries Back to Main [ Industries ](https://www.risk-strategies.com/industries) - [ Agriculture ](https://www.risk-strategies.com/industries/agriculture/) - [ Architects & Engineers ](https://www.risk-strategies.com/industries/architects-engineers) - Aviation Back to Aviation [ Aviation ](https://www.risk-strategies.com/industries/aviation) - [ Aviation Business Insurance - Manned Risk ](https://www.risk-strategies.com/industries/aviation/aviation-business-insurance) - [ Non-Owned Aviation ](https://www.risk-strategies.com/industries/aviation/non-owned-aviation) - [ Unmanned Aerial System and Drones ](https://www.risk-strategies.com/industries/aviation/unmanned-aerial-system-and-drone) - [ Cannabis ](https://www.risk-strategies.com/industries/cannabis) - 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You are leaving risk-strategies.com By accessing this link, you will be leaving Risk Strategies website and entering a website hosted by another party. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of Risk Strategies website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of Risk Strategies. OK Cancel [![Connect with Our Team](https://no-cache.hubspot.com/cta/default/20256628/f1d83adb-981f-4b85-93a6-7a46077d7309.png)](https://cta-redirect.hubspot.com/cta/redirect/20256628/f1d83adb-981f-4b85-93a6-7a46077d7309) January 23, 2020 # Connect the Dots: Estate Planning meets Property and Casualty Insurance [ Personal Lines ](https://www.risk-strategies.com/blog/tag/personal-lines) 2 min read [ Nelson Latimer ](https://www.risk-strategies.com/blog/author/nelson-latimer) - [Facebook ](https://www.facebook.com/sharer/sharer.php?u=https%3A%2F%2Fwww.risk-strategies.com%2Fblog%2Fconnect-the-dots-estate-planning-meets-property-and-casualty-insurance) - [X (Twitter) ](https://x.com/intent/post?url=https%3A%2F%2Fwww.risk-strategies.com%2Fblog%2Fconnect-the-dots-estate-planning-meets-property-and-casualty-insurance&text=Connect+the+Dots%3A+Estate+Planning+meets+Property+and+Casualty+Insurance) - [LinkedIn ](https://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fwww.risk-strategies.com%2Fblog%2Fconnect-the-dots-estate-planning-meets-property-and-casualty-insurance&title=Connect%20the%20Dots%3A%20Estate%20Planning%20meets%20Property%20and%20Casualty%20Insurance&summary=Connect+the+Dots%3A+Estate+Planning+meets+Property+and+Casualty+Insurance&source=) - [Email ](mailto:?subject=Connect%20the%20Dots%3A%20Estate%20Planning%20meets%20Property%20and%20Casualty%20Insurance&body=https%3A%2F%2Fwww.risk-strategies.com%2Fblog%2Fconnect-the-dots-estate-planning-meets-property-and-casualty-insurance) ![Connect the Dots: Estate Planning meets Property and Casualty Insurance](https://www.risk-strategies.com/hs-fs/hubfs/Imported%20sitepage%20images/iStock-1058480580.jpg?width=640&height=300&name=iStock-1058480580.jpg) - [Facebook ](https://www.facebook.com/sharer/sharer.php?u=https%3A%2F%2Fwww.risk-strategies.com%2Fblog%2Fconnect-the-dots-estate-planning-meets-property-and-casualty-insurance) - [X (Twitter) ](https://x.com/intent/post?url=https%3A%2F%2Fwww.risk-strategies.com%2Fblog%2Fconnect-the-dots-estate-planning-meets-property-and-casualty-insurance&text=Connect+the+Dots%3A+Estate+Planning+meets+Property+and+Casualty+Insurance) - [LinkedIn ](https://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fwww.risk-strategies.com%2Fblog%2Fconnect-the-dots-estate-planning-meets-property-and-casualty-insurance&title=Connect%20the%20Dots%3A%20Estate%20Planning%20meets%20Property%20and%20Casualty%20Insurance&summary=Connect+the+Dots%3A+Estate+Planning+meets+Property+and+Casualty+Insurance&source=) - [Email ](mailto:?subject=Connect%20the%20Dots%3A%20Estate%20Planning%20meets%20Property%20and%20Casualty%20Insurance&body=https%3A%2F%2Fwww.risk-strategies.com%2Fblog%2Fconnect-the-dots-estate-planning-meets-property-and-casualty-insurance) Big or small, complex or simple, every estate has one thing in common — you can’t take it with you when you die. Planning for the distribution of your assets in accordance with your wishes ensures smooth passing of your estate to the right people at the right time. But the best of intentions can go awry if your Property & Casualty (P&C) insurance advisor isn’t included in the discussion. Take for example Mark and Jennifer Williams, who are transferring title of their $4,000,000 California home into an irrevocable trust, naming their daughter as trustee. After transferring ownership of the property to the trust, Mark and Jennifer neglect to inform their P&C advisor of the new entity. While the family is on vacation, some outdated wiring causes an electrical fire and the home burns to the ground. Normally, this would be a straightforward insurance claim.  After the title transfer, however, the Williams’ technically no longer own the home and, since the trust is not listed as an insured on the home policy, the Williams risk having to cover the loss out of pocket. Now let’s pivot to Kevin and Stacy Adams, recent retirees who have decided to use a portion of their nest egg on a 20 acre plot in Suisun Valley, CA. The land holds over 1,000 fully fruiting olive trees. With high hopes of a revenue generating operation that the kids can one day take over, Kevin and Stacy establish Adams Orchard LLC but fail to notify their P&C insurance advisor of the new entity and nature of the business. During their first harvest, a worker’s hand slips and is crushed on the stone mill causing permanent damage.  The worker sues the Adams’ for lost wages, medical bills, and pain and suffering. With proper consultation from the outset, a P&C advisor would have: - Worked with the Adam’s to understand the overall intent of the LLC before any coverage assumptions were made. - Understood that the “hobby” business was actually a revenue generating operation and offered tailored commercial insurance for General Liability and Worker’s Compensation under the LLC.  In most cases, proper reflection of a trust or LLC on your P&C insurance is a simple administrative transaction with no additional cost to the client.  But it is critical you engage a P&C insurance specialist who has a deep understanding of entity ownership and asset protection, and can distinguish between personal and business exposure. Advisors should also be notified with any updates to trusts or LLCs. By doing so, you will ensure the intended goals of your estate plan are maintained for the generation to come.    Want to learn more? Find me on LinkedIn, [here](https://www.linkedin.com/in/nelson-latimer-9439b2ba/). Connect with the Risk Strategies Private Client team at privateclient@risk-strategies.com. Email me directly at [NLatimer@risk-strategies.com](mailto:NLatimer@risk-strategies.com) The contents of this article are for general informational purposes only and Risk Strategies Company makes no representation or warranty of any kind, express or implied, regarding the accuracy or completeness of any information contained herein. Any recommendations contained herein are intended to provide insight based on currently available information for consideration and should be vetted against applicable legal and business needs before application to a specific client.  [Subscribe](https://www.risk-strategies.com/blog/connect-the-dots-estate-planning-meets-property-and-casualty-insurance#subscribe) ### Subscribe via Email personal-lines ### Related Posts [See all posts](https://www.risk-strategies.com/blog) ![](https://www.risk-strategies.com/hs-fs/hubfs/Aerial-view-of-the-stunning-Amalfi-coast-with-road-and-the-Atrani-town-with-arched-road-in-Italy.jpg?width=450&height=250&name=Aerial-view-of-the-stunning-Amalfi-coast-with-road-and-the-Atrani-town-with-arched-road-in-Italy.jpg) [ Personal Lines ](https://www.risk-strategies.com/blog/tag/personal-lines) [ Travel & Trip ](https://www.risk-strategies.com/blog/tag/travel-trip) 7 min read December 09, 2025 #### [ Travel Insurance Guide for Luxury and Adventure Trips ](https://www.risk-strategies.com/blog/travel-insurance-guide-for-luxury-and-adventure-trips) Luxury and adventure travelers are going farther, staying longer, and choosing experiences where … [ Read article ](https://www.risk-strategies.com/blog/travel-insurance-guide-for-luxury-and-adventure-trips) ![](https://www.risk-strategies.com/hs-fs/hubfs/Luxury-yacht-moored-in-the-marina-of-Barcelona.jpg?width=450&height=250&name=Luxury-yacht-moored-in-the-marina-of-Barcelona.jpg) [ Personal Lines ](https://www.risk-strategies.com/blog/tag/personal-lines) [ Cyber ](https://www.risk-strategies.com/blog/tag/cyber) 5 min read November 17, 2025 #### [ Cyber at Sea: Securing the Digital Perimeter of Superyachts ](https://www.risk-strategies.com/blog/cyber-at-sea-securing-the-digital-perimeter-of-superyachts) Editor's Note: This article originally appeared in SuperYacht Times . 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