Registered Investment Advisors & Family Offices
Insurance advisory platforms and consultative planning across life, executive benefits, estate, business, and risk management for RIAs, family offices, and wealth management firms. Our practice was created specifically for independent fiduciaries and the families they serve — filling a gap where no insurance counsel function existed that matched their standards, their philosophy, or their governance discipline. We go well beyond traditional risk management, leveraging insurance as a planning instrument, complemented by a full range of management liability, transactional risk, and advisory capabilities.
Planning & Advisory
We work alongside advisory firms and family offices as an extension of their team, providing the case design, consultative support, and market access needed to address the insurance and planning needs of their clients — from estate and advanced planning to executive benefits, business succession, and policy review. Whether your firm manages insurance internally, is looking to build or enhance an advisory platform, or prefers to outsource planning entirely, we have a model that fits.
Firm Coverage
RIAs and wealth management firms face their own set of professional and operational exposures. We provide specialized coverage built for the advisory environment, including:
- Investment Management Liability
- Directors’ & Officers’ Liability
- Investment Advisors Errors & Omissions
- Data Security and Privacy Liability / Cyber
- Employment Practices Liability
- Fiduciary Liability
- Crime and Fidelity Bonds, inclusive of FINRA, ICBB, and ERISA 412
- ERISA Fiduciary Fidelity Bond
Family Office Solutions
Beyond the planning and advisory capabilities available to all of our clients, family offices benefit from additional solutions tailored to how they operate and invest.
Fund Liability We place General Partnership Liability coverage for family offices, including those with hybrid structures. EPIC has worked with leading coverage attorneys and insurers to create a proprietary policy form with five leading insurers quoting on a single form — making the process efficient, affordable, and focused on price rather than coverage nuances.
Direct Investments For family offices that direct invest, we provide a broad spectrum, full-service market solution — from pre-acquisition due diligence and placement through insurance program creation, risk aggregation, and post-acquisition servicing.
