Commercial Insurance ·
Family Offices
Family Office Insurance Built for the Full Picture
Single-family and multi-family offices carry risks that don't fit neatly into personal or commercial buckets. We cover both, with coordinated programs designed around your entity structure, your assets, and your legacy.
Your risk profile isn't standard. Neither is our approach.
Simpson | McCrady serves family offices across Pittsburgh, Western Pennsylvania, and the Mid-Atlantic, bringing 100+ years of independent brokerage experience to one of the most structurally complex insurance mandates in the market.
Why This Requires Expertise
Why Family Office Risk Is in a Category of Its Own
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A family office is not a business in the conventional insurance sense, and it is not a personal lines account. It is an operating entity layered over a constellation of LLCs, trusts, holding companies, and investment vehicles, each carrying its own liability exposure. Add concentrated private equity and alternative investment holdings, properties spanning multiple states or countries, embedded household staffs, fine art and collectible assets, and the succession dynamics running beneath all of it, and the risk complexity of even a modestly sized family office exceeds what standard commercial policies are designed to address.
The core challenge is coordination. Most insurance programs assembled for family offices have been built incrementally, a personal umbrella placed here, a D&O policy added there, a property schedule that hasn't been reviewed since the last acquisition. Gaps accumulate at the intersections: between personal and commercial coverage, between entity and individual liability, between the investment portfolio and the operating entities that support it. Closing those gaps requires a broker who understands family office risk at a structural level, one who can map every entity, every asset class, and every coverage boundary before a claim forces the conversation.
Simpson | McCrady works directly with family office principals, CIOs, and administrators to document the full exposure landscape across every entity and asset class, then design a coordinated insurance program that reflects how the office actually operates, not how a standard application form asks it to describe itself. One broker, both markets, full accountability.
What We Cover
Family Office Insurance Coverage: Across Every Exposure
Get an Expert Review of Your Current Program.
Our Approach
A Coordinated Insurance Program. One Relationship. Full Accountability.
Most family offices have accumulated insurance coverage over time: policies placed by different advisors, through different carriers, at different moments in the office's evolution. The result is a program with layers that don't communicate with each other, limits set against asset values from a decade ago, and coverage gaps that only surface at claim time. Our first responsibility to every family office client is to map what actually exists, identify where exposures fall through the cracks between personal and commercial markets, and design a coordinated program that reflects the structure of the office as it operates today, not as it was originally constituted.
As an independent broker, Simpson | McCrady represents you, not the carriers. That independence means we access a broad market of specialty and admitted carriers, apply genuine negotiating leverage on your behalf, and recommend coverage structures that serve your interests. For family office clients, this is particularly consequential: the combination of personal-lines complexity (fine art, multiple properties, household staffs, recreational assets) and commercial entity risk (D&O, EPL, cyber, private investment holdings) requires a broker who can work across both markets simultaneously and deliver a unified program to the family office's principals and advisors. Large national brokers can offer breadth, but they route family office accounts through generalist teams. We do not. Every Simpson | McCrady family office client has a named advisor with direct access, no switchboards, no ticket queues.
Our family office relationships are structured around an annual risk review cycle, a process that revisits every policy, every entity, and every material change in the family's asset base or operating structure before renewal. We work in close coordination with the wealth managers, estate attorneys, and CPAs in the Pittsburgh and Western PA advisory community to ensure insurance decisions align with the broader financial and estate plan. When claims arise, we advocate directly through resolution. You have a named advisor, a direct line, and a firm that has been building these relationships in Western Pennsylvania for more than 100 years.
Firm Credentials
The Depth Behind Your Coverage
One straightforward conversation is all it takes to understand where your coverage stands, and where it should be. Protecting Tomorrow Today.
Prefer to call? 412-261-2222 · info@simpson-mccrady.com