The Risk Rundown

Redistributing Risk and Protecting Wealth Through Divorce

Mon, 14 Sep 2026 05:00:29 +0000

Divorce doesn't just divide wealth; it rewrites your risk profile. Join Julie and Tyler on this episode of The Risk Rundown as they discuss the complex insurance and liability exposures inherent in high-net-worth divorces.

Far too often, insurance is treated as an administrative afterthought while legal teams focus on asset division. In this discussion, we explore why this "legal-first" approach is a mistake. We dive into the most common pitfalls, including why insurance doesn't follow the assets, the dangers of gaps in umbrella policies, and the critical importance of keeping insurance brokers in the conversation from the very beginning.

In this episode, we cover:

The Insurance Misconception: Understanding why insurance must be actively restructured rather than assuming it follows the assets.
Umbrella Policies: Why these are often the biggest long-term exposure post-divorce, especially when kids are involved.
The Titling Trap: You cannot insure an asset you don’t own. We discuss the risks of driving or living in assets that haven't been properly retitled.
New Relationships: The liability implications of bringing new partners into the household and the importance of updated renter’s and liability coverage.
The "Telephone" Effect: Why cross-advisor communication is vital to prevent coverage gaps or accidental cancellations of essential policies.

Make sure you’re subscribed to The Risk Rundown on your favorite podcast platform.

For more resources and information, check out https://alliantprivateclient.com/

#AlliantPrivateClient #RiskManagement #Divorce

How wealth and visibility redefine risk for public personas

Mon, 10 Aug 2026 09:00:36 +0000

Fame and fortune—sounds like the dream, right? But with exposure comes risk. In this episode of The Risk Rundown, Julie Rison and Tyler Banks welcome Olya Yepremian to discuss how wealth and visibility redefine risk for public personas including athletes, entertainers, influencers, podcasters, models, and even celebrities’ children.

You’ll learn:

Domestic employment practices claims.
Frequent insurance reviews.
Posting on social media .
Umbrella coverage.
Signing major contracts.

We dig into the nitty-gritty of liability and how high-profile individuals can protect themselves. Curious how this world works? Discover why fame is a double-edged sword and what public personas should be mindful of.

Make sure you’re subscribed to The Risk Rundown on your favorite podcast platform.

For more resources and information, check out https://alliantprivateclient.com/

#PublicPersona #RiskManagement #TheRiskRundown

Navigating yacht ownership

Mon, 13 Jul 2026 09:00:26 +0000

Yacht ownership isn't just about the price tag — it's about everything that comes after. In this episode of The Risk Rundown, hosts Julie Rison & Tyler Banks sit down with Alliant’s yacht insurance expert Katie Johnson to break down the real risks yacht owners face, from everyday operational exposures and liability to crew safety, chartering complexities, and navigating remote voyages like the Northwest Passage.

Katie shares her 23 years of experience in the yacht insurance space, explaining why it's the everyday human errors and operational liabilities that pose the biggest risks, not just catastrophic events.

Whether you're a first-time yacht buyer or a seasoned owner, this conversation offers valuable insight into protecting your investment and your passion.

You’ll learn:

Common misconceptions about yacht risk
Defining boats vs. yachts vs. mega yachts
Liability exposures owners often overlook
The role of captains and crew in risk management
Chartering vessels: benefits and added risks
Why insurance coverage isn't one-size-fits-all
Building the right team of trusted advisors

Make sure you’re subscribed to The Risk Rundown on your favorite podcast platform.

For more resources and information, check out https://alliantprivateclient.com/

#AlliantPrivateClient #YachtInsurance #RiskManagement #YachtOwnership

Kidnap & Ransom: Familiar threats, new vulnerabilities

Mon, 08 Jun 2026 09:00:38 +0000

In this episode of The Risk Rundown, Julie Rison and Tyler Banks discuss how kidnap and ransom risk has evolved with technology, social media, and lifestyle changes. From the rise of express kidnappings, to policy limits and exclusions, this episode showcases what you can do to protect yourself and your loved ones in an increasingly complex landscape.

You’ll learn:

Why digital footprints raise risk
Rise of express and virtual kidnappings
K&R myths
Who is most vulnerable today
How K&R policies work
Policy limits and exclusions
Importance of changing your routines
Simple safety habits online

Make sure you’re subscribed to The Risk Rundown on your favorite podcast platform.

For more resources and information, check out https://alliantprivateclient.com/

The Art of Insuring High-Value Collections

Mon, 11 May 2026 09:00:26 +0000

In this episode of The Risk Rundown, Julie Rison and Tyler Banks sit down with Mark Recht to discuss the nuances of protecting high-value collections. From structuring policies for multi-billion-dollar fine art portfolios, to the growing importance of authenticity for younger the generation, Mark shares his behind-the-scenes expertise.

You’ll learn:

Don't overlook the ‘small stuff’ in your collection
Beware of blanket assumptions
Preparation ahead of catastrophic events is key
Transport is the ultimate hazard
Authenticity and provenance rule
Estate planning and high-value collections

Make sure you’re subscribed to The Risk Rundown on your favorite podcast platform.

For more resources and information, check out https://alliantprivateclient.com/#

Admitted, Non-Admitted, and Self-Insurance Explained

Mon, 13 Apr 2026 09:00:29 +0000

Is "non-admitted" still a dirty word in the insurance industry? In this episode, Julie Rison and Tyler Banks demystify all things admitted, non-admitted and self-insurance.

You’ll learn:

Why non-admitted policies went from being a red flag to the gold standard for high-value homes
Admitted vs. Non-Admitted: The technical differences in state regulation, rate flexibility, and coverage limits
How to use blanket policies and products
The importance of accurate replacement cost valuations
Why Self-insuring liability can be a risk

Make sure you’re subscribed to The Risk Rundown on your favorite podcast platform.

For more resources and information, check out https://alliantprivateclient.com/#

Expect the Unexpected: How to think about risk in the coming year

Wed, 11 Mar 2026 09:30:20 +0000

In this anniversary episode, Julie welcomes back industry veterans Cindy Zobian and Tyler Banks to reflect on a turbulent 2025 and navigate the shifting landscape of the 2026 insurance market. From the devastating wildfires in Los Angeles to the rising costs of liability, the team discusses why insurance is more than just "words on paper”; it’s a promise.

You’ll learn:

Lessons from 2025
Biggest insurance myths
Trends for 2026; risk mitigation, excess liability surges, and a differentiated market
The importance of building relationships with clients in the age of AI

Make sure you’re subscribed to The Risk Rundown on your favorite podcast platform.

For more resources and information, check out https://alliantprivateclient.com/#

Water. Water. Everywhere: Flood vs Water Damage

Mon, 09 Feb 2026 10:00:00 +0000

Is flood damage covered by homeowners’ insurance, or do you need a separate flood policy? The answer isn’t always clear. In this episode of The Risk Rundown, Julie and Tyler tackle one of the most frequently asked insurance questions: flood vs. water damage. They explain how insurance policies define each type of loss, why nearly 40% of flood claims occur outside high-risk flood zones, and how events like hurricanes, wildfires, and heavy rainfall can lead to unexpected flooding — even far from the coast. You’ll learn: • The difference between flood damage and water damage • Why being outside a flood zone doesn’t mean you’re risk-free • Common causes of water losses inside the home • How private flood insurance differs from NFIP coverage • Practical steps homeowners can take to reduce water-related losses

Why Your Luxury Home May Be Underinsured: Understanding True Replacement Cost

Mon, 12 Jan 2026 05:00:00 +0000

What does it really cost to rebuild a luxury home after a total loss? Willy Hammond joins Julie and Tyler to break down one of the most misunderstood areas of high-net-worth insurance—replacement costs. This episode covers: • The difference between market value and replacement cost • How renovations, custom features, and technology upgrades increase rebuild costs • How often high-net-worth homeowners should reassess property values • The importance of content documentation, appraisals, and inventories • Common loss scenarios—including water damage—that result in the most expensive claims • Risk mitigation tools insurers increasingly require, such as automatic water shutoff systems From rising construction material costs and labor shortages to understanding why many homeowners are unknowingly underinsured, this episode explains how to ensure your properties are adequately insured to value before a loss occurs.

'Tis the Season for Risk: Holiday Hazards You May be Overlooking

Mon, 08 Dec 2025 10:30:00 +0000

The holiday season brings a unique blend of celebration and risk. In this short episode, Julie and Tyler discuss some of the most common overlooked holiday hazards and some practical tips to protect your homes, valuables, and families during the holidays.

Life Insurance Myths, Triggers, and Truths

Mon, 10 Nov 2025 10:30:00 +0000

Life insurance is never one-size-fits-all. And for high-net-worth clients, it is much more nuanced than obtaining a standard employer policy. In this episode, Alliant Private Client’s Life Insurance Practice Leader, Steven Glick, speaks with Julie and Tyler about how understanding which real-life events — from starting a family to selling a business — can shape coverage and support high-net-worth family, business, and legacy goals.

Insurance Horror Stories: When risk turns scary

Tue, 28 Oct 2025 15:00:00 +0000

What happens when real risk goes unprotected? Julie and Tyler tell some real insurance horror stories and share the eerie but true tales and situations that can turn into nightmares for HNW clients.

Growing Pains

Mon, 06 Oct 2025 09:30:00 +0000

As children step into independence through each stage of life—particularly during their teens and college years—parents face new insurance risks that can still impact the whole family. Julie Rison and new co-host, Tyler Banks, discuss common exposures tied to growing children including: driving, renting, social gatherings, and even digital behavior. Listen in as they share tips on when young adults should get their own coverage, how parents can stay protected, and why proactive conversations are key to managing risk during this transition.

The Hidden Risks in Today’s Luxury Insurance Market

Mon, 08 Sep 2025 09:30:00 +0000

High-net-worth households face rising risks from luxury homes in disaster zones to valuable assets like vintage cars and private staff. With insurance non-renewals on the rise, resilience is critical. Kama Moseley joins Julie Rison to discuss how today’s affluent families can protect their luxury assets in an unpredictable world.

Generational Perspectives on Risk

Mon, 11 Aug 2025 09:00:00 +0000

Today’s high-net-worth individuals face new exposures, from luxury collectibles to online visibility. Emily Zobian and Alex Goldfarb join Julie Rison to discuss how modern wealth demands a smarter approach to risk management and asset protection.

Insuring Champions: What Every Horse Owner Should Know

Mon, 07 Jul 2025 09:30:00 +0000

At one point, Alliant Private Client’s Equine, Farm & Ranch practice leader, Joe Norick, owned 42 horses. Now he’s down to less than five, in part because he and his team are so busy taking care of equestrian owners worldwide. Today, he shares the biggest mistakes horse owners make when purchasing and protecting their animals and their investments, as well as the key aspects of colic and equine mortality policies.

Driven by Passion: Understanding Collectible Car Insurance

Mon, 09 Jun 2025 09:30:00 +0000

Hop in! We’re going for a ride with our collectible car practice leader, Jim Schwarzkopf. From understanding what makes a car a "collector car" to navigating agreed value coverage and auction risks, Jim shares expert insights on how the insurance landscape is evolving. Whether you're new to collecting or own a garage full of rare cars, this conversation is a must-listen for any car enthusiast.

This is Not a Drill! Wildfire readiness and safety tips

Mon, 12 May 2025 09:30:00 +0000

Wildfires are no longer confined to a single region. In this episode, Alliant’s loss control experts share critical wildfire preparedness insights for today’s expanding risk zones. From evacuation planning to property hardening and post-event exposures like smoke and water damage, we explore what affluent homeowners need to know to stay protected before, during, and after a wildfire.

Myths vs. Truths: Hurricane Edition

Tue, 08 Apr 2025 09:00:00 +0000

Host Julie Rison sits down with Ted Deveraux and Willy Hammond, Alliant Private Client’s in-house risk mitigation experts, to separate hurricane myths from reality. From essential pre-storm preparations to safeguarding high-value homes, vehicles, and assets, they’ll dive deep into the myths versus realities of hurricane preparedness. With expert insights, they’ll debunk common misconceptions that could expose homeowners to unnecessary risks.

Fore! Staying on Course with Liability

Tue, 11 Mar 2025 09:30:00 +0000

A misdirected golf shot, a flooded condo, a guest’s accident at your home—liability risks are everywhere, even when you least expect them. In this episode, Alliant Private Client’s John Pugliese and Kimberlyn Pak join host Julie Rison to discuss the biggest personal liability exposures for high-net-worth individuals. From unexpected lawsuits to overlooked coverage gaps, they break down how the right policies can help safeguard wealth and provide critical legal protection when it matters most.

Cloudy Skies and Silver Linings: An Insurance Market Update

Thu, 06 Feb 2025 20:45:00 +0000

Alliant Private Client leaders, Executive Vice President and Managing Director, Cindy Zobian and Executive Vice President, Growth and Strategy, Tyler Banks, discuss the many elements currently impacting the personal insurance market and what can be done to minimize risks. From the chilling reality of “nuclear” jury verdicts to the extreme climate events reshaping the insurance landscape, learn how to dodge the cloudy skies and find those silver linings in today’s marketplace.

Is a captive the right tool for your family office?

Mon, 12 Oct 2026 05:00:21 +0000

Family offices face the ongoing challenge of balancing risk, cost, and wealth preservation across complex, multi-generational insurance portfolios. While captive insurance companies are a sophisticated strategy for some, shifting market conditions are also creating new opportunities within traditional insurance.

In this episode, we explore where - and how - captives fit into the family office ecosystem. Join us as we sit down with Linda Bourn, leader of our Family Enterprise Risk practice, and Seth Madnick, one of Alliant’s captive insurance specialists, to discuss how families can evaluate captives alongside traditional insurance as part of a comprehensive risk management strategy.

Key Topics Discussed:

The Insurance Profile of Wealth: Defining the typical insurance needs for multi-generational families and shifting the perspective from "annual renewal" to "long-term wealth management strategy."
Market Dynamics: How stabilizing property markets are changing the conversation around alternative risk financing compared to previous years.
Strategic Evaluation: Understanding when and why a family office should begin evaluating captives, and determining if they are the right tool for a family’s specific goals.
Captives 101: Exploring the differences between single-parent and group captives, including the advantages, trade-offs, and governance considerations for each.
Holistic Planning: Strategies for integrating insurance decisions into broader family governance and long-term wealth objectives rather than viewing them as isolated financial exercises

Watch and listen in and ensure that your giving is both heartfelt and well-informed. Make sure you’re subscribed to The Risk Rundown on your favorite podcast platform.

For more resources and information, check out https://alliantprivateclient.com/

#TheRiskRundown #Captive #FamilyOffice