Business Details
Your Trusted Personal Insurance Partner
Personal Risk Management Solutions is a boutique personal insurance brokerage dedicated to addressing the unique needs of successful individuals and families. We specialize in comprehensive coverage for luxury homes, vehicles, collections, and liability, operating with a client-centric approach that prioritizes risk management, transfer, or self-insurance strategies. Our team of industry experts, including President & CEO Celia Santana, brings decades of experience in high-net-worth insurance, offering tailored solutions through partnerships with trusted advisors and carriers. We are licensed across all 50 states and serve international exposures, ensuring global reach with localized expertise. Our PRMSbyHerSide initiative specifically supports women-led households navigating life transitions, reflecting our commitment to underserved markets.With a proactive, service-oriented ethos, we advocate for clients throughout the insurance process, from policy selection to claims resolution. Our management team, recognized for leadership and innovation, includes industry award recipients and board members of prominent organizations like the Private Risk Management Association. We collaborate closely with clients and their advisors to deliver personalized risk management recommendations, ensuring alignment with their financial and personal goals. Our services extend to specialized coverages such as fine art, cyber security, and excess liability, addressing complex and high-value needs. As a firm founded on integrity and expertise, we strive to be a trusted partner in safeguarding our clients' assets and futures.
Services
Homeowners Insurance
Valuables Insurance
Excess Liability Insurance
Travel Insurance
Fine Art Insurance
Automobile & Classic Car Insurance
Yacht & Watercraft Insurance
Cyber Security Coverage
Flood Insurance
Additional Coverages
Highlights and features
- We specialize in personal insurance for high-net-worth individuals and families.
- Our team has over 30 years of experience in high-net-worth insurance.
- We offer the PRMSbyHerSide initiative for women-led households.
- We provide comprehensive coverage for luxury homes, cars, collections, and liability.
- We are licensed in all 50 states and handle international exposures.
What people say
Exceptional service
Regret not discovering sooner
Services
Homeowners Insurance
We provide tailored homeowners insurance for luxury residences, including guaranteed replacement cost coverage, cash settlement options, and concierge services. Our policies address unique risks like hurricanes and wildfires, ensuring comprehensive protection. Clients benefit from partnerships with carriers offering specialized features to restore properties to original condition post-loss.
Valuables Insurance
Our valuables insurance covers high-value items like jewelry, fine art, and collectibles with blanket or scheduled coverage options. Features include worldwide protection, newly acquired item coverage, and discounts for in-vault storage. We ensure proper valuation and repair or replacement through specialized claims handling.
Excess Liability Insurance
Excess liability insurance offers up to $100 million in coverage for lawsuits exceeding primary policy limits. It includes employment practices liability for domestic staff and addresses catastrophic events like pool injuries or auto accidents. This coverage safeguards clients' financial security against severe claims.
Travel Insurance
We partner with providers like Allianz and Global Rescue to offer travel insurance covering medical evacuation, trip delays, and lost baggage. Policies include emergency assistance services and identity protection, ensuring peace of mind for domestic and international travel.
Yacht & Watercraft Insurance
Our yacht and watercraft insurance provides agreed value coverage, uninsured boater protection, and automatic coverage for trailers and personal items. Tailored for runabouts to mega-yachts, it includes comprehensive services for repairs and liability, managed by carriers with marine expertise.
People
Celia Santana
President & Chief Executive Officer
Celia has over 30 years in high-net-worth insurance, previously at Chubb. She specializes in tailored risk management for family offices, entrepreneurs, and public figures. Recognized as an Elite Woman in Insurance, she serves on industry boards and advises Chubb's leadership.
Linda Graef Jones
Chief Sales Officer & Partner
Linda transitioned from corporate banking to insurance, leading PRMS's sales strategy. A Duke and Wharton graduate, she focuses on advisor relationships and client solutions. Recognized as an Elite Woman in Insurance, she actively supports nonprofit organizations.
Kelly McCleaster
Vice President, Director of Private Client Services
Kelly has 20+ years in insurance, specializing in claims management and yacht coverage. A Certified Private Risk Insurance Advisor, she manages PRMS's largest accounts and complex claims. Her expertise includes fine art and cyber security insurance.
Lindsey Jordan
Assistant Vice President & Director of Operations
Lindsey oversees PRMS's operations, including accounting and client relations. Starting as an entry-level associate, she rose to leadership through innovation. Recognized as a Rising Star by Insurance Business America, she drives marketing and operational efficiency.
Questions
What is PRMSbyHerSide?
PRMSbyHerSide is a specialized service for women-led households navigating life transitions like divorce or widowhood, offering tailored insurance solutions through partnerships with advisors.
How do I get a quote for travel insurance?
Visit our website to access travel insurance providers like Allianz and Global Rescue, or contact us directly for personalized assistance with coverage options.
What areas do you serve?
We are licensed in all 50 states and serve international clients, with offices in New York, Massachusetts, and New Jersey.
What types of liability coverage do you offer?
We provide excess liability insurance with limits up to $100 million, covering lawsuits related to auto, home, and watercraft incidents, including employment practices liability.
Do you offer cyber security coverage?
Yes, we offer cyber security insurance to protect against fraud and cybercrime risks, tailored for high-net-worth individuals and families.
How are claims handled for fine art collections?
Our fine art insurance includes specialized claims handling, appraiser referrals, and coverage for items in transit, storage, or exhibitions, ensuring proper repair or replacement.
