Umbrella & Excess Liability Insurance

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You can’t always prevent accidents, but you can prepare for them

We’ve seen it time and time again: an off-the-shelf umbrella policy can bring a perilously false sense of security. Risk Strategies is here to help you avoid this common pitfall.

As you grow more successful, your net worth grows along with you. The basic protection that made sense early on may no longer suffice. Should you or your family face legal action, you’ll be personally responsible for settlements or jury awards regardless of what’s in your policy.

Compounding matters is the changing litigation landscape across the United States. Effectively safeguarding the life you’ve created often means anticipating factors outside your control.

Coverage considerations

A smarter approach starts with an accurate assessment of net worth but doesn’t stop there. It also includes evaluating situations that can make you more prone to claims of wrongdoing and litigation.

With a thoughtful conversation, we pinpoint circumstances that increase vulnerability, such as:

  • A visible public profile
  • Minors in your family, including teenage drivers
  • Social media usage
  • Hosted events in the home
  • Household staff employment
  • Board of directors’ participation
  • Accidents caused by uninsured or underinsured drivers

This context informs appropriate coverage recommendations, which we reevaluate on a regular basis.

Preservation, mitigation, recovery, resilience

Much like loss mitigation for homes and valuables, readiness is key. Among the proactive steps you can take to reduce the chances of liability claims are:

  • Educating kids on the impact of their actions
  • Learning to drive defensively
  • Providing job descriptions and annual reviews for household staff
  • Making timely repairs in and around your home

When incidents can’t be avoided, your Risk Strategies broker will collaborate closely with your chosen carrier to advocate for your interests, maintain discretion, and keep you informed at every step.

Group programs for executives

In addition to advising individuals, Risk Strategies can provide a group personal excess liability policy as an executive benefit. The policy offers employees and their families high personal umbrella limits at a group discount with no underwriting. Risk Strategies can administer enrollment and billing.

Practice Leadership

National Private Client Services Practice Leader

Alison Murphy

Alison Murphy

National Private Client Services Practice Leader

Alison joined Risk Strategies in 2021, developing and leading the overall national growth strategy for Private Client Services. She focuses on enhancing the client experience for our high net worth clients and delivering tailored solutions that better serve their unique insurance and risk management needs.

With over 25 years of experience in the property & casualty insurance industry, Alison has spent the majority of her career in the high net worth segment. Prior to joining Risk Strategies, she worked for the PURE Group of Insurance Companies where she held various leadership positions including Eastern Zone Executive. Previously, she held various roles focused on business development and underwriting for AIG and The Chubb Corporation.

Alison holds a Bachelor of Arts in English Literature from Franklin & Marshall College and is a graduate of Boston’s Future Leaders Program. She is actively engaged in her community through several organizations including the Greater Boston Chamber of Commerce, Insurance Industry Charitable Foundation, Women’s Lunch Place and the Dana-Farber Cancer Institute’s Falmouth Road Race.
Chief Operating Officer, Personal Lines
Tim deRosa

Tim deRosa

Chief Operating Officer, Personal Lines

Tim joined Risk Strategies in 2022 as the Chief Operating Officer for the Private Client Practice to help develop and implement the strategic vison for the practice and to manage day-to-day practice operations and technologies. His responsibilities include driving operational efficiencies across all offices and regions, enhancing the client experience through the use of technology, standardizing and optimizing workflows and helping to oversee the management of the Private Client Practices' largest carrier relationships.

In addition to his practice leadership role, Tim is also a personal risk advisor and works directly with successful families across the county. He assesses client needs, identifies future risks, and develops customized, comprehensive personal insurance solutions that align with their risk management priorities.

With nearly 25 years of experience in the insurance industry, Tim brings a wide range of experience having spent dedicated time on the retail, wholesale, and carrier sides of the business. He founded and sold Platinum Partners, a successful wholesale business focused exclusively on the private client segment. He also served as Executive Vice President of Orchid Underwriters, a private equity backed specialty MGA which he joined after selling his firm. In addition, Tim spent nearly a decade at Chubb Personal Risk Services where he held several executive level positions in both underwriting and marketing, including leading the New England Region.

Tim earned a Bachelor of Arts degree in Political Science from Drew University. He is a member of PRMA (Private Risk Management Association), a longtime member of the Boston Estate Planning Council, and a former member of the Family Office Exchange.

Bryan Newman
Private Client Services Leader - West Region
Lesa Blaser
Private Client Services Leader - Central Region
J.C. Fulse
Private Client Services Leader - Atlantic Region
Charlie Graham
Private Client Services Leader - New England Region
Nick Licursi
Private Client Services Leader - New York Region

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