Written by Buckner Marketing Team
Protecting What Matters Most
High-net-worth households face unique and often complex risks. From custom homes in high-risk areas to rare vehicle collections and multi-state properties, every detail matters when protecting significant personal assets.
That’s where Mary Smith excels. With more than a decade of specialized experience, she brings deep industry knowledge and a service-first mindset to every client she serves.
A Background Built on Service and Precision
Mary spent 11 years building her own insurance agency, serving clients with large farms and oil investment properties. Her success came from two pillars: exceptional service and unmatched carrier expertise.
“Where other agents offered a one-size-fits-all policy, I found options designed to fit each client’s exact needs,” Mary says. “That level of individual attention makes all the difference.”
Her commitment to customization laid the foundation for the Private Wealth Insurance work she leads today.
Private Wealth Expertise for Complex Risks
Mary specializes in Private Wealth Insurance, helping clients secure the assets they value most. Her areas of expertise include:
- High-value art collections
- Secondary homes in oceanfront or mountain locations
- Rare and collectible vehicles
- Large farms and liability protection for animals
Her clients often face intricate challenges that require a high level of strategy and attention, including:
- Custom homes in wildfire or high-wind zones
- Multiple properties and vehicles across states
- Household employee liability
- Specialty coverages such as kidnap & ransom or directors & officers liability for board involvement
These situations demand a tailored approach—and Mary delivers exactly that.
What Individuals Should Focus On Right Now
When it comes to protecting personal wealth, Mary encourages clients to pay close attention to how their coverage aligns with their real-life exposures.
“Your liability must be structured around risks that are specific to your lifestyle and assets,” she explains. “And if properties are owned by an LLC or trust, your policies need to be written to match that ownership.”
Mary also recommends high-net-worth households consider umbrella coverage as an essential safety net.
“It’s an extra layer of protection—especially critical if litigation ever becomes a factor.”
Clarifying Common Misconceptions in High-Net-Worth Insurance
A frequent misconception Mary encounters is the belief that all carriers provide the same coverage.
“Price isn’t the only difference,” she notes. “Coverage varies dramatically between companies. If your agent isn’t familiar with your risks or the limitations in each policy form, you may not have the protection you think you do.”
She highlights key examples:
- Some carriers offer full replacement cost—even if rebuilding exceeds the insured value.
- Others extend liability coverage worldwide, a major benefit for clients who travel extensively.
- Not every agent conducts annual reviews, though high-net-worth clients often experience rapid changes that need updated coverage.
Annual policy reviews and proactive risk management are essential to maintaining the right level of protection.
A Service-Centered Approach to Personal Risk Management
Mary believes informed clients make better decisions. That’s why her approach is grounded in education, communication, and transparency.
“My main goals are service and education,” she shares. “When clients understand their options, they make choices that truly fit their situation.”
Her clients appreciate that level of clarity—especially when navigating complicated or evolving risks.
A Personal Commitment to Every Client
What motivates Mary most is helping clients protect the things they’ve worked years to build.
“I love when a client recognizes the value of a thoughtful insurance plan,” she says. “It’s rewarding to know I’m helping safeguard what matters most to them.”
Clients working with Mary can expect unwavering support.
“I’m accessible, responsive, and always willing to go the extra mile,” she says. “Whether it’s during the policy writing process or years down the road—I’m here to help.”
The holidays should be about growth and sales, not worrying about cyber threats. With updated security, trained staff, and cyber insurance, your business can enjoy the season and have confidence in your coverage.
Need help reviewing your cyber insurance coverage? Contact us today to make sure your business is protected this Black Friday and Cyber Monday.