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Partnering to Protect What Your Clients Have Built
At PRMS, we believe that true wealth management extends beyond investments. A client’s financial plan is only as strong as the protection that surrounds it. That’s why we collaborate with leading wealth advisory firms—such as Cerity Partners—to deliver a coordinated, proactive approach to personal risk management.
Why Partner with PRMS?
Comprehensive Protection for High-Net-Worth Clients
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Our specialists focus exclusively on complex personal insurance needs—custom homes, valuable collections, high-value vehicles, family trusts, and umbrella liability. We identify exposures that may not be visible through traditional coverage reviews and design programs that fit seamlessly into your client’s broader wealth plan.
A Dedicated Extension of Your Advisory Team
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We work directly with your team to ensure your clients’ insurance strategy aligns with their investment, estate, and tax planning goals. From personalized risk analysis to carrier negotiation and claims advocacy, PRMS acts as a true partner in protecting your clients’ success
Enhanced Value and Client Retention
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By integrating PRMS into your advisory process, you can deliver a more holistic client experience—one that addresses both asset growth and asset protection. Wealth advisors who include insurance oversight often uncover hidden coverage gaps and demonstrate a deeper level of care and stewardship.
Seamless Collaboration and Trusted Expertise
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Our team coordinates directly with family offices, attorneys, accountants, and contractors to make sure every aspect of a client’s protection plan is executed with precision and professionalism.
Partnering to Protect What Your Clients Have Built
At PRMS, we believe that true wealth management extends beyond investments. A client’s financial plan is only as strong as the protection that surrounds it. That’s why we collaborate with leading wealth advisory firms—such as Cerity Partners—to deliver a coordinated, proactive approach to personal risk management.
Why Partner with PRMS?
Comprehensive Protection for High-Net-Worth Clients
-
Our specialists focus exclusively on complex personal insurance needs—custom homes, valuable collections, high-value vehicles, family trusts, and umbrella liability. We identify exposures that may not be visible through traditional coverage reviews and design programs that fit seamlessly into your client’s broader wealth plan.
A Dedicated Extension of Your Advisory Team
-
We work directly with your team to ensure your clients’ insurance strategy aligns with their investment, estate, and tax planning goals. From personalized risk analysis to carrier negotiation and claims advocacy, PRMS acts as a true partner in protecting your clients’ success
Enhanced Value and Client Retention
-
By integrating PRMS into your advisory process, you can deliver a more holistic client experience—one that addresses both asset growth and asset protection. Wealth advisors who include insurance oversight often uncover hidden coverage gaps and demonstrate a deeper level of care and stewardship.
Seamless Collaboration and Trusted Expertise
-
Our team coordinates directly with family offices, attorneys, accountants, and contractors to make sure every aspect of a client’s protection plan is executed with precision and professionalism.
The PRMS Promise
Discretion, expertise, and advocacy.
PRMS is more than just an insurance broker. We are an advocate. We manage the process from start to finish, ensuring swift resolution for all. When wealth advisors partner with PRMS, their clients gain confidence knowing every part of their financial life—from accumulation to protection—is thoughtfully managed. Together, we help clients safeguard their lifestyle, legacy, and peace of mind.
"My Dear TeamCerity, Thank you so much for the information. I continue to be amazed at how FABULOUS Cerity and TeamCerity is! I am so lucky to have you all in my corner.” – Cerity Client
A Holistic, No-Obligation Insurance Review
We provide holistic, complimentary, no-obligation insurance reviews that can identify coverage gaps before a claim occurs - preventing uncovered claim scenarios which can be detrimental to a financial portfolio. No client is too big or too small.
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Intake: Obtain existing insurance information & have a conversation to collect pertinent information about the client, their needs and concerns.
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Analyze: We review & identify coverage gaps and areas for improvement. We thoroughly check for savings opportunities. We present recommendations, and we may provide a proposal for coverage, if interested.
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Implement tailored solutions based on our analysis. We work with you, or your client directly.
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Support: We provide ongoing support, claim handling, annual reviews to ensure insurance programs remain adequate and reflective of the insured’s ever changing needs and risk profile
How to Receive an Insurance Review
Step One:
Send copies of all current insurance declaration pages for Review to:
TeamCerity@thePRMSpromise.com
Step Two:
Have a brief conversation with our team for background on your client.
MEET THE DEDICATED TEAM CERITY
When you partner with PRMS, you’re supported by a dedicated service team that works as an extension of your advisory network. Our professionals collaborate directly with your wealth advisor, attorney, and accountant to ensure every aspect of your risk management strategy is aligned and actively managed. The result: coordinated protection and an exceptional client experience.
First Hand Experiences from Cerity Clients
Resources for Cerity Partners
We’re committed to supporting our advisory partners with tools, insights, and materials that make integrating personal insurance into your client conversations seamless. Explore our library of resources designed to help you identify coverage gaps, educate clients on risk management, and deliver a more comprehensive wealth experience.
THE BENEFIT OF P&C REVIEWS
Successful families and individuals expect their financial advisors to address their complete financial picture, including protecting them from P&C risks. However, most Financial Advisors do not provide this support. Only 28% of Financial advisors offer this support. Click below to learn more.
RED FLAG TRIGGERS
What you should listen for!
These events indicate that your client would greatly benefit from a professional insurance review to ensure they have no gaps in coverage which could later be damaging to their financial plans.
CERITY & PRMS NEWSLETTER
Each month, PRMS and Cerity Partners come together to share timely insights on personal risk management, wealth protection, and industry trends that matter most to your clients. Our goal is to help advisors stay informed, identify emerging risks, and provide proactive guidance that strengthens every client relationship.
INSURANCE PLAYBOOK
Developed by PRMS in collaboration with leading wealth advisory partners, the Insurance Playbook provides a clear, practical overview of personal insurance fundamentals. From understanding key coverages to identifying common gaps and risk exposures, this guide helps advisors confidently integrate insurance conversations into their wealth management process.