The anniversary of California’s catastrophic wildfires serve as a reminder of how quickly risk can escalate and how profoundly natural disasters can reshape lives and markets. In contrast, while we braced ourselves for another turbulent hurricane season, the US coastline was mostly spared in 2025. As we enter a new year, the probability of a catastrophe-free 2026 remains slim. Therefore, risk mitigation and disciplined risk transfer continue to matter most.
The Excess & Surplus (E&S) homeowners’ market that many discovered in 2025 now requires a more calculated approach. Terms and conditions are not moving uniformly: certain geographies and perils have started to soften, while others continue to harden. Since the E&S market operates with fewer traditional constraints than the admitted space, a surgical approach is critical. Knowing when to be on offense, taking advantage of capacity and locking favorable terms, and when to be on defense, paring risk and tightening conditions, helps us maintain the strongest portfolios for our 600+ clients in 48 States.
While the admitted Property market has benefited from a reduction in regulation, the Casualty market has also been enhanced due to improved legislation against litigation funding companies. Even so, verdicts and settlements remain elevated, particularly against successful individuals and families. Ensuring adequate liability limits is essential as underinsurance can materially alter a family’s wealth trajectory more than most tangible assets.
To stay on the forefront of innovation while maintaining our priority of market-leading solutions and white-glove service, we have begun to leverage the use of Artificial Intelligence (AI). Our goal is to increase our internal efficiency and accuracy, not to replace the humanity and expertise that has built the foundation of the strong relationships we enjoy with you. Our proprietary AI process is already delivering measurable improvements, and we look forward to expanding its capabilities.
Thank you for your continued trust and support. As a private boutique brokerage specializing in personal Property & Casualty insurance for the Ultra High Net Worth family, we take pride in being recognized as best in class by so many clients, professional advisors and insurance companies. We wish you and your families a safe, healthy, prosperous and risk-mitigated 2026.