For Financial Professionals

A private client insurance partner for your most complex clients.

If you work with high-net-worth individuals and families, you know that their insurance needs are rarely straightforward. A client with a $12 million estate, a significant art collection, a yacht, and an umbrella policy placed years ago with a generalist broker is almost certainly underinsured in ways neither of you can see without a specialist review. ARI Private Client Group was built for exactly this situation. We serve as the insurance specialist within your client's advisory team handling the complexity, communicating in plain language, and making sure the coverage structure actually fits the life your client has built.

What your clients receive working with ARI Private Client Group

• A dedicated advisor relationship every client works directly with Stella Madero, not a rotating team
• Access to specialty markets: Chubb Masterpiece, Lloyd's of London, Burns & Wilcox, and other carriers unavailable through retail brokers
• A full portfolio review at no cost we identify gaps, overlaps, and exposures in their existing coverage before we recommend anything
• Coverage for the full HNWI asset stack: primary and vacation estates, fine art and collectibles, collector vehicles, aviation, watercraft, and umbrella/excess liability at meaningful limits
• Bilingual service in English and Spanish
• National reach from a South Florida headquarters we serve clients in all 50 states
• Annual reviews that keep coverage aligned with changes in your client's asset base and life circumstances

Simple, discreet, and built around your client's experience.

When you refer a client to ARI Private Client Group, here is what happens: We reach out to your client directly or wait for their call, whichever you prefer. We conduct an initial conversation that is advisory, not sales-oriented. We complete a full portfolio review and share our findings with you and your client. If there is work to be done, we do it with the same standard of care you apply to your own practice. We do not compete with you. We do not cross-sell financial products. We do not contact your client for anything beyond their insurance needs without your knowledge. Our role is to be the best possible specialist on the team you have built around your client and to make your referral look good. For clients with particularly complex situations family offices, multi-generational estates, international asset structures we are happy to meet jointly so you can see how we work before introducing us.

ARI PCG is well suited for clients who have:

• Primary residences valued at $2 million or more
• Vacation or secondary properties domestic or international
• Fine art, jewelry, watch, or collectibles collections of significant value
• Collector or exotic vehicles
• Watercraft or aviation assets
• Umbrella liability needs above $5 million
• Domestic staff or significant personal liability exposure
• Insurance programs that have not been comprehensively reviewed in more than two years

If you would like to discuss a specific client situation, understand how we work, or simply have a conversation about whether ARI Private Client Group is the right fit for your clients, we welcome your call or email. Stella Madero is available to speak with referring professionals directly.

Schedule a Call with Stella

Download our one-page overview for professional partners