Pine View Insurance Group

𝐒𝐦𝐚𝐫𝐭 𝐏𝐞𝐨𝐩𝐥𝐞 with Dumb Insurance Real stories of unintentional mistakes and how to fix them 𝐄𝐩𝐢𝐬𝐨𝐝𝐞 #2: The $2M Exposure A finance executive in the Northeast recently asked us to review his insurance portfolio. After conducting a thorough review, we uncovered significant risks: 🏠 𝐌𝐚𝐬𝐬𝐢𝐯𝐞𝐥𝐲 𝐔𝐧𝐝𝐞𝐫𝐢𝐧𝐬𝐮𝐫𝐞𝐝 𝐇𝐨𝐦𝐞 → Home was insured for only $661,700, yet a professional inspection revealed the true rebuild cost to be $2.6M, a nearly $2M shortfall (🤯). 🔻 𝐋𝐨𝐰 𝐃𝐞𝐝𝐮𝐜𝐭𝐢𝐛𝐥𝐞 → His $1,000 deductible was unnecessarily low for someone with his financial means. We recommend at least a $10,000 deductible for optimal value and premium savings. 🚨 𝐍𝐨 𝐔𝐦𝐛𝐫𝐞𝐥𝐥𝐚 𝐏𝐨𝐥𝐢𝐜𝐲 → Zero umbrella coverage left him dangerously exposed to potential major lawsuits or liability claims. – Here's how our Advisor Team approached the problem: ✅ 𝐒𝐨𝐥𝐮𝐭𝐢𝐨𝐧: 𝐅𝐮𝐥𝐥 𝐑𝐞𝐩𝐥𝐚𝐜𝐞𝐦𝐞𝐧𝐭 𝐂𝐨𝐬𝐭 → Increased dwelling coverage to accurately reflect the $2.6M rebuild valuation. ✅ 𝐒𝐨𝐥𝐮𝐭𝐢𝐨𝐧: 𝐎𝐩𝐭𝐢𝐦𝐢𝐳𝐞𝐝 𝐃𝐞𝐝𝐮𝐜𝐭𝐢𝐛𝐥𝐞 → Raised deductible to $10,000, aligning better with his financial position. ✅ 𝐒𝐨𝐥𝐮𝐭𝐢𝐨𝐧: 𝐀𝐝𝐝𝐞𝐝 𝐔𝐦𝐛𝐫𝐞𝐥𝐥𝐚 𝐏𝐨𝐥𝐢𝐜𝐲 → Secured comprehensive umbrella coverage to safeguard against major financial liabilities. The outcome? Improved coverage AND annual premium savings of $380. Unfortunately, this scenario is all too common. Visit us at https://xmrrwallet.com/cmx.phubs.ly/Q03b3hbR0 to join our waitlist and avoid costly insurance oversights!

𝐖𝐞 𝐥𝐚𝐮𝐧𝐜𝐡𝐞𝐝 𝐏𝐢𝐧𝐞 𝐕𝐢𝐞𝐰 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐆𝐫𝐨𝐮𝐩 100+ 𝐝𝐚𝐲𝐬 𝐚𝐠𝐨 with a single idea: elevate the personal insurance buying experience. In that time, we: 𝐋𝐚𝐮𝐧𝐜𝐡𝐞𝐝 successful partnerships with other professionals serving the high-net-worth community—from wealth advisors to family offices and networking communities 𝐄𝐱𝐩𝐚𝐧𝐝𝐞𝐝 our Advisor Team to increase availability and deepen expertise 𝐑𝐞𝐟𝐢𝐧𝐞𝐝 our systems and broadened carrier access to serve complex client needs with speed and clarity -- Learnings from the first 100+ days reinforced our core values and revealed key ways to make insurance better for high net worth individuals and their families: 𝐄𝐱𝐜𝐞𝐩𝐭𝐢𝐨𝐧𝐚𝐥 𝐬𝐞𝐫𝐯𝐢𝐜𝐞 (fast replies, transparency, true partnership) wins every time 𝐌𝐨𝐬𝐭 𝐬𝐮𝐜𝐜𝐞𝐬𝐬𝐟𝐮𝐥 i𝐧𝐝𝐢𝐯𝐢𝐝𝐮𝐚𝐥𝐬 are missing easy wins: better liability limits, smarter deductibles, or stronger protection in high-risk areas 𝐏𝐞𝐨𝐩𝐥𝐞 𝐝𝐨𝐧'𝐭 𝐧𝐞𝐜𝐞𝐬𝐬𝐚𝐫𝐢𝐥𝐲 𝐰𝐚𝐧𝐭 𝐦𝐨𝐫𝐞 𝐨𝐩𝐭𝐢𝐨𝐧𝐬 but they do want the right one, clearly explained 𝐀 𝐭𝐫𝐮𝐬𝐭𝐞𝐝 𝐚𝐝𝐯𝐢𝐬𝐨𝐫 who knows the landscape is still deeply valued Here’s to the next 100! 🥂

📣 We’re Hiring: Private Client Associate Pine View Insurance Group is growing—and we’re looking for a service-minded professional to join our team. This role is ideal for someone who thrives in high-touch environments and has experience working with high-net-worth individuals and families. You’ll be a trusted point of contact for our members, helping them secure the right coverage and delivering an exceptional client experience every step of the way. If you’re detail-oriented, creative, proactive, and passionate about delivering exceptional service, we’d love to hear from you. 🔗 Apply here: https://xmrrwallet.com/cmx.plnkd.in/e9D2aHsH

We're #hiring a new Private Client Associate to join the Pine View Team. Apply today or share this post with your network!

𝐒𝐦𝐚𝐫𝐭 𝐏𝐞𝐨𝐩𝐥𝐞 𝐰𝐢𝐭𝐡 𝐃𝐮𝐦𝐛 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 Real stories of unintentional mistakes and how to fix them 𝐄𝐩𝐢𝐬𝐨𝐝𝐞 #1: 𝐓𝐡𝐞 𝐔𝐧𝐝𝐞𝐫𝐢𝐧𝐬𝐮𝐫𝐞𝐝 𝐅𝐨𝐮𝐧𝐝𝐞𝐫 A fintech founder based in the Northeast with a $10M+ net worth came to us for an insurance review. After a review of his insurance portfolio, we found major gaps that needed attention first: $3𝐌 𝐇𝐨𝐦𝐞 𝐔𝐧𝐝𝐞𝐫𝐢𝐧𝐬𝐮𝐫𝐞𝐝 → Insured for just $800k (🤯), meaning potentially millions in out of pocket rebuild costs 𝐋𝐨𝐰 𝐀𝐮𝐭𝐨 𝐋𝐢𝐚𝐛𝐢𝐥𝐢𝐭𝐲 → Auto policy for luxury cars with near-minimum coverage limits ($50k per person / $100k per accident). High night worth individuals should have at least $250k/$500k 𝐍𝐨 𝐔𝐦𝐛𝐫𝐞𝐥𝐥𝐚 𝐏𝐨𝐥𝐢𝐜𝐲 → Without an umbrella policy, this founder had zero additional liability protection above his already low auto liability limit. – One major loss could have been devastating so the Pine View Advisor Team transitioned him to a smarter approach: 𝐒𝐨𝐥𝐮𝐭𝐢𝐨𝐧: Full Replacement Cost → Multi-million dollar home covered for its full replacement cost value 𝐒𝐨𝐥𝐮𝐭𝐢𝐨𝐧: Increased Auto Liability Limits → Auto liability limits properly increased to $250k per person / $500k per accident. 𝐒𝐨𝐥𝐮𝐭𝐢𝐨𝐧: Secured Umbrella Coverage → After increasing auto liability limits, we secured a $5M umbrella policy to protect against major lawsuits and liability risks. Unfortunately, we see this all the time. Visit us at https://xmrrwallet.com/cmx.phubs.ly/Q03b3hbR0 to join the waitlist and avoid costly insurance mistakes!

We built a tool to guide accomplished individuals toward the right umbrella insurance limit. Most people assume their limits should match their net worth. That's a lazy approach. In reality, your lifestyle plays a bigger role in your liability risk exposure. High-net-worth carriers look at factors like: ✅ Multiple properties ✅ Domestic staff ✅ Frequent hosting ✅ Dog ownership ✅ Recreational activities If you haven’t assessed your liability exposure, you might be underinsured or paying for coverage that doesn’t match your risks. That’s why we built the 𝐏𝐕𝐈𝐆 𝐔𝐦𝐛𝐫𝐞𝐥𝐥𝐚 𝐋𝐢𝐦𝐢𝐭 𝐓𝐨𝐨𝐥™, a simple way to evaluate your risk in just a few minutes. 🔹Use the 𝐏𝐕𝐈𝐆 𝐔𝐦𝐛𝐫𝐞𝐥𝐥𝐚 𝐋𝐢𝐦𝐢𝐭 𝐓𝐨𝐨𝐥™ → https://xmrrwallet.com/cmx.phubs.ly/Q03822Cv0 Not sure if you even need an umbrella policy? Start with Umbrella Insurance 101 → https://xmrrwallet.com/cmx.phubs.ly/Q0382sKx0

Founding Partner, Mike Lloyd, joined the Forward Obsessed podcast to share lessons from his entrepreneurial journey including what inspired him to launch Pine View! It's a must-listen for anyone interested in innovation, resilience, and building great companies.

We believe every person should have an umbrella policy. Umbrella policies act as an extra layer of liability coverage that extends beyond the limits of your foundational insurance policies (home/condo/renters/auto/boat/etc.). And they’re surprisingly affordable. $1 million of coverage often costs less than $400 per year. Not sure how umbrella insurance works or whether you need it? 📖 Start here → Umbrella Insurance 101: https://xmrrwallet.com/cmx.phubs.ly/Q036p2zF0 – Visit https://xmrrwallet.com/cmx.phubs.ly/Q036nYJj0 to join our waitlist and optimize your coverage.

We are Pine View Insurance Group. We provide an elevated personal insurance experience to family offices and high net worth individuals. Too often, successful individuals unknowingly make common insurance mistakes—not self-insuring enough, using agents who are not solely focused on high net worth personal lines, using captive agents or direct writers, unintentionally leaving critical risks exposed without proper umbrella coverage, etc. We are setting a new standard for high net worth individuals and their families. In addition to securing best-fit coverage, Pine View members benefit from four foundational promises: 𝐄𝐱𝐜𝐞𝐩𝐭𝐢𝐨𝐧𝐚𝐥 𝐒𝐞𝐫𝐯𝐢𝐜𝐞 Lightning-fast replies, clear instructions, and transparent timelines are foundational to the member experience. 𝐄𝐱𝐭𝐞𝐧𝐬𝐢𝐯𝐞 𝐌𝐚𝐫𝐤𝐞𝐭 𝐀𝐜𝐜𝐞𝐬𝐬 Our members gain access to all of the top high net worth carriers, ensuring best-fit coverage. 𝐄𝐧𝐠𝐞𝐧𝐝𝐞𝐫𝐢𝐧𝐠 𝐂𝐨𝐧𝐟𝐢𝐝𝐞𝐧𝐜𝐞 Pine View’s proprietary tools and services clarify and solidify your customized risk solutions. 𝐄𝐥𝐢𝐭𝐞 𝐑𝐢𝐬𝐤 𝐒𝐞𝐫𝐯𝐢𝐜𝐞𝐬 Through our partner network, Pine View members can access premier end-to-end risk and claims management services. This is an elite personal insurance experience—designed to protect your legacy and give you a feeling of confidence you won’t find elsewhere. Plan your consultation with the Pine View Advisor Team by visiting our website and signing up for the member waitlist: https://xmrrwallet.com/cmx.pwww.pvig.com/