Entertainment | Executives/Professionals/Entrepreneurs | Athletes | Hedge Fund/Private Equity
Physicians | Personal Risk Management Outsourcing

Markets - Entrepreneurs

We understand risk. We appreciate those who put it all on the line. Business owners face an exorbitant work load , and highly successful entrepreneurs need adequate equity protection. Traditional disability insurers are very conservative when it comes to insuring equity values of highly successful privately held companies.

Exceptional Risk Advisors provides personal “own occupation” disability coverage to high income earners of all kinds. We can also secure accidental death and dismemberment for individuals embarking on such avocations as race car driving, piloting, scuba diving, and mountain climbing.

War risk coverage is available for contractors working and living in high risk locations, anywhere in the world.

Products

• High Limit Disability
• Key Person Coverage
• Disability Buy-Out
• Failure To Survive Coverage
• Business Overhead Expense
• Accidental Death & Dismemberment
• Kidnap & Ransom
• War Risk Coverage

Case Studies

• A niche software company partnership valued at $30 million was owned jointly by 2 principals. The principals at Exceptional Risk designed a disability program that insured each executive for $15 million to fund a buy out agreement.
• A satellite technician was offered a job to go to Iraq to help the US military with their communication systems. Before he left, he wanted peace of mind that his family would be protected in case something happened to him over seas. Because of the risk, traditional life and disability companies would not offer coverage. Exceptional Risk Advisors was able to secure accidental death and dismemberment, as well as personal disability coverage, that included any losses due to passive war and terrorism.
• A prominent New York City writer/producer made over $300,000 annual. Because of her occupation, and the fact that she worked from home, she was unable to obtain disability coverage from traditional carriers. Exceptional Risk Advisors was able to offer $15,000 a month benefit, followed by $1 million lump sum, which covered an “Own Occupation” definition.