Insights for Protecting Complex Personal Risk

Our Private Client team works with individuals and families whose personal risk exposures go well beyond what a standard insurance approach is designed to handle. Property ownership, lifestyle activities, domestic staff, liability exposure, and the natural accumulation of assets over time can all create risks that require a more thoughtful strategy.

At Starkweather & Shepley, we recognize that no two profiles of wealth, lifestyle, or legacy are exactly alike. Our approach pairs bespoke insurance solutions with a deep commitment to the relationships behind them—many of which span years and even generations. These enduring partnerships are the foundation of our agency’s history and the reason Starkweather is known for its white-glove service and unwavering advocacy.

To provide perspective on today’s evolving risk landscape, we created the 2026 Personal Risk Market Analysis. This report outlines the key trends shaping the personal insurance market, highlights common coverage blind spots, and explains how a proactive advisory approach can help clients make more informed decisions about protecting their assets and legacy.

Our goal is simple: to help clients better understand and navigate their risk with clarity and confidence in 2026 and beyond.

Share your contact information to receive insights on:

• Key personal insurance market trends shaping 2026
• A market overview and the themes shaping the outlook in 2026
• Common coverage gaps and overlooked exposures
• Liability risks facing households
• How a proactive advisory approach can strengthen long-term protection