Prizm Insurance

Determining appropriate umbrella insurance coverage involves more than simply matching your net worth. While aligning coverage with net worth is a common guideline, it's essential to consider various factors that influence liability risk. Factors Influencing Umbrella Coverage Needs: -Risk Exposure: Individuals with youthful drivers, secondary homes, boats, or rental properties face higher liability risks, necessitating increased coverage. -Future Earnings: High-income earners should consider higher coverage to protect against potential wage garnishment in liability cases. -Lifestyle and Activities: Engaging in high-risk activities or owning assets like swimming pools can elevate liability risks, requiring more comprehensive coverage. At Prizm Insurance, we conduct comprehensive risk assessments to tailor umbrella coverage that aligns with each client's unique circumstances, ensuring optimal protection beyond standard net worth calculations.

At Prizm we believe insurance should be effortless, transparent, and built for the modern high-net-worth client. Hearing feedback like this reaffirms that we’re delivering the experience our clients deserve. #clientexperience

The Devil Is in the Details: Named vs. Open Perils The biggest detail in your insurance policy? The policy form itself. At Prizm Insurance we don’t just review policies for gaps—we provide the broadest coverage available. There are two types of policies: ?? Named Perils – Covers only the risks specifically listed in your policy. If it’s not named, it’s not covered. ?? Open Perils – Covers everything except what’s explicitly excluded, providing stronger, more comprehensive protection. For high valued homeowners, Open Perils is the gold standard—minimizing surprises and maximizing peace of mind. #Insurance #WealthProtection #RiskManagement #PrizmInsurance

Let Prizm Take Care of Your Blind Spots Personal insurance is not one-size-fits-all, and if you treat it as such, you will have blind spots. Most people only realize their coverage gaps when it’s too late—after a denied claim or an unexpected out-of-pocket expense. At Prizm Insurance we take a proactive approach to ensure you have the right protection, not just a generic policy. Common Blind Spots We See: ? Underinsured Dwelling Coverage – Many policies don’t reflect true rebuilding costs, leaving homeowners tens or hundreds of thousands short after a loss. ? Liability Limits That Fall Short – A serious lawsuit could put your savings, investments, and future income at risk. Do you have enough coverage to protect your assets? ? Limited Water Backup Coverage – Sewer backups and sump pump failures can cause major damage, yet many policies provide only minimal coverage or none at all. ? Natural Disasters Aren’t Always Covered – Flooding and earthquakes aren’t included in standard policies. If disaster strikes, are you protected? ? Service Line & Equipment Breakdown – Most homeowners don’t realize they’re responsible for underground service lines or that standard policies don’t cover HVAC, appliance, or electrical failures. How Prizm Protects You: We don’t wait for gaps to become problems—we find and fix them before you need to file a claim. Let’s uncover your blind spots before they cost you. Reach out for a personal insurance review today. www.prizminsurance.io

Excited to welcome Amber Goyette, CPRIA to Prizm Insurance?? She joins us as our new Coverage Specialist, bringing her incredible skills and passion to our team. We’re thrilled to have her on board as we continue building a culture that values #flexibility, #innovation, and #collaboration. Welcome aboard, Amber! We can’t wait to see the amazing contributions you'll make at Prizm. Let’s do great things together! ?? #Welcome #TeamPrizm #InsuranceInnovation #PrizmCulture

Join Prizm, where we're revolutionizing the insurance industry for high-net-worth clients. We're looking for dynamic professionals who are ready to innovate, lead, and set a new gold standard in the market. Be a part of our journey and help us transform the future of insurance.

When explaining our service model to new clients, one of the main things we emphasize is our commitment to multi-channel support. Unlike many other industries, the insurance brokerage sector typically lacks diverse service options beyond phone and email. At Prizm Insurance, we prioritize offering multiple ways for clients to reach us, ensuring they can choose their preferred method of communication. We understand the importance of accessibility and convenience, which is why we provide a variety of service channels: - Email and Phone: These traditional methods allow clients to communicate directly with our representatives for quick queries or detailed discussions. - Text Messaging: For those who prefer the convenience of messaging, clients can text us for prompt responses and updates. - Secure Messaging Through Our Portal: Our secure portal offers a safe way to exchange sensitive information, ensuring data privacy. - Self-Service Through 24/7 Document Retrieval: Clients can access important documents anytime with our self-service option, making it easy to retrieve forms and documents at their convenience. - Forms for Common Service Requests: We provide easy-to-use forms for the most common service requests, streamlining the process and saving time. Our multi-channel support system is designed to meet our clients' needs efficiently and effectively. At Prizm Insurance, your convenience and satisfaction are our top priorities, making it easier than ever to get the service you deserve. #service #insurance #insuretech

?? Understanding Service Line Coverage: A Must-Have for Homeowners!?? As homeowners, we often take the utility lines running from the street to our homes for granted. But did you know that the responsibility for maintaining and repairing these lines falls on us, not the utility companies? This is where Service Line Coverage steps in. What is Service Line Coverage? Service Line Coverage is an insurance add-on designed to protect you from the unexpected costs associated with repairing or replacing utility lines such as water, sewer, gas, electricity, and telecommunications. These crucial lines are not typically covered by standard homeowners insurance policies. Why is it important? ?? Unexpected Costs: Repairs for damaged utility lines can be incredibly expensive. From excavation to labor, the bills add up quickly. ?? Common Issues: Problems like pipe corrosion, tree root intrusion, and general wear and tear are more common than you might think. ?? Comprehensive Protection: It’s a small investment for significant protection, ensuring that a surprise breakdown doesn’t break the bank. In a world where we rely heavily on utilities for our daily lives, safeguarding these essential connections is crucial. Consider adding Service Line Coverage to your insurance policy to protect your home and wallet from unexpected disruptions. #HomeInsurance #Homeowners #InsuranceCoverage #ServiceLineCoverage #homeProtection

At Prizm, we believe in recognizing every employee's birthday by giving them the day off, and this policy will remain no matter how much we grow. Why? Because even as we age and our birthdays become less of a big event, it's still important to acknowledge them. While we might not have parties or receive lavish gifts, everyone deserves a day to themselves. At Prizm, we offer you the chance to use your birthday as a self-care day, allowing you to spend it however you choose.