Given the world’s current state with unforeseen catastrophic events, insurance carriers have been greatly impacted with Billions of dollars being paid out. Rates are on the rise and now it is more important than ever to have a complete review of your personal insurance policies to ensure there are no gaps in coverage. This discussion will highlight commonly overlooked coverages, critical items, and exposures that homeowners need to be aware of. Knowing what you need to be mindful of will help you identify your risks so that there are no surprises in a difficult situation.
We will cover lessons learned from recent catastrophic events, including hurricanes, sexual harassment suits, and how to protect yourself against exposures during these challenging times.
Learning Objectives:
HUB International Limited
Senior Vice President
patti.clement@hubinternational.com
(203) 337-1862
Patti Clement currently serves as Senior Vice President of HUB International Private Client Services. Based out of HUB’s Northeast region, Patti is relied upon by her clients and peers for her knowledge and expertise for all complicated personal insurance matters.
Born and raised just outside of Toronto, Patti joined HUB International Northeast in 1997 after working in the insurance industry since 1977 in Canada. Patti works closely with family office managers, high net worth individuals, and their trusted advisors on a consultative basis to assess risk exposures, develop customized solutions, and deliver high touch service. She is service and growth-oriented, which has allowed her to become an industry leader in her practice area. Patti's expertise resides in the creation and design of insurance programs for individuals with high visibility. She has distinguished herself based on an outstanding ability to place policies with high-risk exposures, including coastal properties, international locations, etc.
By creatively identifying exposures, Patti goes above and beyond to protect their most valuable assets. Her enthusiasm for her profession and loyalty to best practices raise her close business relationships and company to the international level.
Patti has been recognized annually at HUB’s sales conference with top honors, recently achieving the HUB Triple Legend Award, which is awarded for meeting the highest category criteria for over 15 consecutive years. In 2018, she was recognized as a Private Client Power Broker® award winner by Risk & Insurance magazine.
Over her tenure, Patti has been quoted in various national publications and online news sites, including The New York Times, The Wall Street Journal, Yahoo!, etc., for her expertise on various personal insurance matters. She has also contributed to several published white papers by different top-rated carriers throughout her career.