Business Details
Your Trusted Personal Insurance Brokerage Partner
Personal Risk Management Solutions is a boutique personal insurance brokerage dedicated to serving the unique needs of successful individuals and families. With licensing across all 50 states and international exposure capabilities, we specialize in crafting comprehensive insurance solutions for luxury homes, vehicles, valuable collections, and liability protection. Our approach centers on collaboration with clients and their trusted advisors to identify optimal risk management strategies, whether through risk transfer, self-insurance, or hybrid models. We act as client advocates throughout the implementation process, ensuring seamless navigation of insurance programs.Founded by industry veterans with decades of experience in high-net-worth insurance, our team combines deep expertise with a commitment to personalized service. We maintain leadership roles in professional organizations like the Private Risk Management Association and Chubb's National Agency Council, reflecting our industry authority. Our client-centric philosophy prioritizes transparency, proactive service, and tailored solutions that address complex personal risk scenarios.
Services
Homeowners Insurance
Valuables Insurance
Excess Liability
Automobile Insurance
Yacht Insurance
Fine Arts Coverage
Cyber Security
Flood Protection
Travel Insurance
Equipment Breakdown
Highlights and features
- We focus exclusively on personal insurance for high-net-worth clients
- Our team includes industry-recognized experts with decades of experience
- We act as client advocates throughout the insurance implementation process
- We offer specialized services like PRMSbyHerSide for women-led households
- We maintain leadership roles in premier insurance industry organizations
What people say
Seamless process
Expert guidance
Fair settlements
Tailored solutions
Proactive service
Services
Homeowners Insurance
We provide comprehensive homeowners insurance solutions for luxury properties, including condos, co-ops, and rental spaces. Our coverage features guaranteed replacement cost, cash settlement options, and concierge services. We work with premier carriers to ensure protection that adapts to evolving property risks while maintaining focus on high-net-worth client needs.
Valuables Insurance
Our valuables insurance offers specialized protection for high-value possessions like jewelry, fine art, and collectibles. We provide flexible coverage options including scheduled items, blanket policies, and vault storage discounts. The service addresses unique risks associated with valuable collections through customized insurance solutions tailored to individual client portfolios.
Excess Liability
We offer excess liability insurance that extends protection beyond standard policy limits. This service covers catastrophic events like lawsuits from property accidents or vehicle incidents, providing financial security for high-net-worth individuals. Our solutions integrate with existing home, auto, and watercraft policies for comprehensive risk management.
Yacht Insurance
Our yacht insurance provides comprehensive protection for watercraft owners, covering vessels from runabouts to mega-yachts. The service includes agreed value coverage, uninsured boater protection, and automatic coverage for personal items. We work with specialized carriers to address unique marine risks while supporting high-net-worth clients' luxury lifestyle needs.
Automobile Insurance
We offer premium automobile insurance solutions featuring original equipment manufacturer parts, agreed value coverage, and classic car protection. Our policies include rental vehicle benefits and specialized coverage for high-value vehicles, combining standard protection with tailored options for luxury and collector cars.
People
Celia Santana
President & Chief Executive Officer
With over 30 years in high-net-worth insurance, Celia leads PRMS with expertise in personalized risk management. She serves on industry boards and has received multiple awards for her contributions to insurance and private wealth management.
Linda Graef Jones
Chief Sales Officer & Partner
A former JP Morgan executive, Linda brings decades of financial services experience to PRMS. She focuses on advisor relationships and client solutions, holding leadership roles in insurance industry organizations.
Kelly McCleaster
Vice President, Director of Private Client Services
With 20+ years in insurance, Kelly specializes in claims management and yacht insurance. She holds multiple industry certifications and provides expert guidance for PRMS's largest accounts.
Lindsey Jordan
Assistant Vice President & Director of Operations
Starting as an entry-level associate, Lindsey now oversees PRMS operations. Recognized as a Rising Star in 2022, she manages business operations and marketing initiatives with strategic expertise.
Questions
What types of insurance do you specialize in?
We specialize in personal insurance for high-net-worth individuals, including homeowners, valuables, excess liability, automobile, yacht, and fine arts coverage.
Do you work with international clients?
Yes, we handle international exposures and provide coverage solutions that extend beyond US borders.
How do you handle complex insurance claims?
Our team advocates for clients during claims, with expertise in resolving complex cases like multi-million dollar liability settlements.
What is PRMSbyHerSide?
PRMSbyHerSide is a specialized service for women-led households navigating life transitions, offering tailored property and casualty insurance solutions.
How do you differ from other insurance brokerages?
We focus exclusively on personal insurance, maintain industry leadership roles, and provide advocacy-driven service with deep expertise in complex risk scenarios.
