Protect yourself

As a corporate executive, you could be held liable for a variety of actions. At the same time, your high visibility could place you at risk of extortion. We can help you develop strategies to protect you and your family from these risks.

Our advice is informed by our long experience working with wealthy families and by our sophisticated analytic capabilities. Your family's situation is unique, and our advice is customized accordingly. While maintaining strict product and carrier impartiality, we are committed to obtaining the best policies on the most favorable terms through our alliances with the strongest insurers.

Directors and officers (D&O) liability
As leaders of their companies, directors and officers can be held personally liable when their decisions lower shareholder value, waste corporate funds or weaken competitive advantage. Since your company's D&O policy could be exhausted by a large number of demands, you might want to consider supplementing it with Personal Director's Liability Insurance.

Employment practices liability insurance (EPLI)
Every year sees a growing number of lawsuits arising from employee claims of sexual harassment, retaliation, defamation, discrimination, wrongful termination and unfair hiring practices. EPLI coverage can protect your company, as well as accused directors and officers, against a wide range of allegations.

Errors and omissions (E&O) liability
If your business provides professional services, you may face suits from clients over alleged or actual mistakes. Even if no error was made, simply defending against these lawsuits can be costly. Our highly experienced insurance professionals can help you tailor E&O coverage.

Kidnap and ransom
High-profile corporate executives may be victims of extortion attempts, including kidnapping-a threat that has grown rapidly over the past decade. Kidnap and ransom insurance provides both financial indemnification and expert crisis management. If you are not covered under a company policy, we can assess whether you should purchase kidnap and ransom insurance.

Protecting your property
Your home, cars, jewelry and collections of art and antiques are vulnerable to fire, theft and vandalism, among other threats. Our experienced advisors can clarify the nuances in basic homeowner's, automobile and valuables insurance to make sure that your special requirements are met. Where advisable, we can provide access to flood, earthquake and wind insurance, as well as to tailored fine art policies. We also have specialized expertise in insuring aircraft, watercraft and classic automobiles.

Protection against liability suits
As a person of wealth, you are at higher risk of liability suits. The more complex your affairs, the more you are at risk. To determine how large an umbrella/excess liability policy would be advisable, we assess the level of risk you face, your risk tolerance and the cost of insurance.

Life, disability and long-term care
Properly structured, life insurance can simplify wealth transfer, provide income- and estate-tax benefits, and serve as a vehicle for tax-efficient investing. After analyzing your planning needs, we can advise you about buying life insurance and, if appropriate, disability and long-term care coverage, as well.

Contact a JPMorgan Advisor to learn more about JPMorgan's insurance services. Alternatively, you may contact any JPMorgan office.