Exceptional Risk Advisors, LLC is a licensed insurance producer - CA Licensee Number 0F60601. All products are offered pursuant to the excess and surplus lines laws of each individual state and must be placed through a properly licensed excess or surplus lines broker. These products are not available to the general public, and this website is intended for licensed insurance broker use only. Nothing in this communication constitutes an offer, inducement or contract of insurance. Financial strength and size ratings can change and should be reevaluated before coverage is bound and periodically thereafter. Not all products are available in all U.S. jurisdictions.

Exceptional Risk Advisors makes no representations about the suitability of the content of this site for any purpose.  All content is provided “as is” without any warranty of any kind.

Exceptional Risk Advisors has not made and does not make any warranty of any kind whatsoever, expressed or implied, with respect to the contents of this site, and all implied warranties of merchantability, title, non-infringement, and fitness for a particular purpose are hereby disclaimed by Exceptional Risk Advisors. Exceptional Risk Advisors will not be liable to anyone with respect to any damages, loss, or claim whatsoever, no matter how occasioned, in connection with access to or use of the contents of this site.  In no event shall Exceptional Risk Advisors be liable for any special, indirect, exemplary, or consequential damages or any damages whatsoever, including but not limited to loss of use, data, or profits without regard to the form of any action including, but not limited to contract or negligence or other tortuous actions, arising out of or in connection with the use, copying, or display of the content.

While Exceptional Risk Advisors believes the content to be accurate, complete, and current, there may be inadvertent technical or factual inaccuracies and typographical errors, and Exceptional Risk Advisors does not warrant that the information is accurate or complete or current.  It is your responsibility to verify any information before relying on it.  At any time Exceptional Risk Advisors may make changes in the products and/or services described herein, however, Exceptional Risk Advisors makes no commitment to update the information and expressly disclaims liability for errors or omissions in it.

The case studies on this website are representations only, and may be fictitious. The subjects, terms, and conditions of the case studies are not intended to imply actual people and/or situations.

Exceptional Risk Advisors does not warrant or represent that this site is compatible with your equipment or is free of errors, viruses, or worms and is not liable for any damage you may suffer as a result of such restrictive features.

Consumer Privacy Notice

Exceptional Risk Advisors has always made it a priority to maintain the confidentiality of the information it receives from its clients.  This Privacy Notice explains Exceptional Risk Advisors’ policy regarding non-public personal information that is collected by Exceptional Risk Advisors in the course of placing insurance on behalf of its clients.
The firm’s Privacy Policy is as follows:

  • Exceptional Risk Advisors may disclose all or part of a client’s personal financial information as permitted by law to non-affiliated third parties solely for purposes of servicing or processing an insurance product or service that such consumer requests or authorizes, or to solicit insurance quotations on behalf of a consumer.
  • Exceptional Risk Advisors maintains physical, electronic, and procedural safeguards that comply with federal and state regulations to guard non-public personal financial information.
  • For its own internal use only, Exceptional Risk Advisors may obtain information concerning non-public personal financial information, for example, name, address, assets, date of birth, driver license number (for automobile insurance, and information concerning policy coverage(s) and premium(s).
  • Exceptional Risk Advisors may disclose all or part of a client’s personal financial information to other third party trusted advisors engaged to do business with the same client, such as CPAs, financial advisors, attorneys, wealth managers, and multi or commercial family office managers.

Exceptional Risk Advisors reserves the right to amend, modify, or supplement this Privacy Policy at any time in accordance with applicable laws and regulations.  If changes are made to the Privacy Policy the firm will provide copies of such changes to clients as required by applicable laws.

Fees/Commission Disclosure

In addition to the fees and/or commissions received by Exceptional Risk Advisors for the placement of insurance coverages, in certain circumstances other parties may earn and retain usual and customary commissions for their role in providing insurance products or services under their separate contracts with insurers and/or reinsurers.  Additionally, the firm may receive contingent payments or allowances from some insurers based on factors which are not client-specific, such as aggregate loss experience, size, or performance of an overall book of business produced with the insurer.  Exceptional Risk Advisors may, at their discretion, pay third party sources for referrals where regulations allow.