Personal Insurance

There is simply no substitute for a personalized approach to your individual insurance and risk management needs.

Securing wealth for you, your family, and generations to come requires an insurance plan implemented by experienced professionals who have a deep understanding of your needs and goals. Harden can help. Our Personal Insurance Division helps clients manage personal property and liability risk associated with homes, automobiles, watercraft, and other personal assets and lifestyle choices.

We empower our clients to make informed decisions on how to work towards reducing their overall cost of risk. Remember, selecting the right provider is just as important as choosing the right policies.

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Harden's Private Client Group offers specialized services to those with high net worth who need advanced services and consultation. We can provide a personal risk analysis, insurance program design and management, and claims advocacy.

Risk Identification

Harden’s Private Client Group team supports identification and documentation of your personal exposures to risks, performing loss analysis and program benchmarking.

Comprehensive Insurance Review

Harden will conduct a comprehensive review of all current life, disability, and long-term care coverages.

Insurance Program Specifications

Harden will design a personal insurance program structure, develop a Request for Proposal (RFP), document positive risk characteristics, and leverage knowledge obtained during the risk identification and program audit process.

Insurance Procurement

The Private Client Group team will manage the RFP process and negotiate the terms, conditions, and services that best support your unique objectives. Further, a comparative analysis of all options will be conducted to ensure you make the most quality, informed decision.

Insurance Program Management

In managing your personal insurance program, Harden will assure the accuracy of all program specifications. Your Private Client Group team will maintain your program as your exposures and lifestyle change, execute a program management plan, and keep you informed on impactful dynamics along the way.

Program Audits

Harden Private Client Group provides insurance program auditing services to help you evaluate your coverage and identify improvement opportunities regarding your risk transfer and risk financing options.

Concierge Billing

Harden will consolidate all various insurer billings into one single, easily administered bill to create efficiencies and simplicity for our private clients.


We start by establishing key objectives with you and gain consensus with you on a personalized support plan. Within this plan, we deploy the services and resources required to support those objectives, and we assign a responsible team member. We also identify a target date for completion to ensure accountability and performance. We continue by taking accountability for our services as well as for the performance of the insurance carrier and/or service provider.

Safety and Loss Control

Harden facilitates safety and loss control issues through program consultation, design, and implementation.

Claims Advocacy

Harden’s Private Client Group team has claims advocacy resources available to support the claims mitigation process and ensure your best interests are supported.

Financial Planning

Financial Planning is a critical step in making informed decisions pertaining to your asset protection, accumulation, and distribution. Harden’s Financial Services team is positioned to help you assess your current position, define your goals, develop and implement a support plan, and monitor results.

Estate Planning

Harden and its strategic partners are equipped to provide the estate planning services that your financial plan requires to meet your ultimate objectives while minimizing financial risks.

Retirement Planning

Harden’s team of professionals and strategic partners will help you define and achieve your retirement objectives while assuring your assets are both adequately protected and efficiently distributed.


The Personal Insurance Division helps individuals and families manage personal property and liability risk. This division also advises clients in the areas of personal life, disability income protection, and more.

Homeowners Insurance
Automobile Insurance
Flood Insurance
Umbrella Insurance
Valuable Articles Insurance
Watercraft Insurance
Aircraft Insurance
Farm Insurance
Life Insurance
Individual Health Insurance
Disability Insurance
Long-Term Care Insurance
Investment Products
Questions About How Harden Fits With You?

Because we’re accustomed to understanding the unique needs of our clients, we can offer very focused answers to your questions.
Please feel free to contact us.

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