Type of Coverage:

Personal Risk Services from GMG Insurance Laguna

Living in breathtaking Laguna, California and the neighboring communities of Orange County is a privilege you’ve worked hard to achieve. Whether your home, condo, or townhouse is in one of the canyons, nestled in the foothills of Laguna or boasts of rooms with a view of the Pacific from Dana Point or Newport, your property and all your assets require customized insurance solutions and asset protection.

At GMG Insurance Laguna, we specialize in providing comprehensive programs designed to protect the property and assets of high-net-worth households. You can be assured that we have the experience to take care of your needs and the various special exposures you face.

Custom Products Tailored to Special Concerns

Over the years, you may have purchased or inherited unique or high-value possessions that aren’t covered by insurance policies. Those include fine art collections, expensive jewelry, antique or collector cars, yachts, and private airplanes that need enhancements to existing policies or specific policies, which we can provide.

What’s more, your high-value homes and vacation properties require insurance amounts that go beyond the limits found with a standard policy. To properly protect your assets and investments, we can provide you with a high-limit personal umbrella policy that extends the limits available under your primary policies, such as homeowners, auto, and watercraft.

Living in the Golden State also necessitates that you have earthquake insurance. Depending on where you live in Orange County, excess flood insurance, which provides higher limits of flood coverage for both structures and contents, may be needed.

You may also employ domestic staff, which requires workers compensation and employment practices liability insurance to protect you in the event on-the-job injuries and accidents or the threat of a lawsuit by an employee.

Your philanthropic and civic endeavors may have you serving on boards of directors at both for-profit and nonprofit organizations. If so, GMG Insurance Laguna offers individual directors and officers insurance to protect your personal assets from duty-related liability claims.

In addition, your elevated personal status brings heightened personal risk, with exposures that may even including kidnap and extortion. As improbable as these risks may seem, they can be even worse without the right partners to help you through. Our insurers specialize in crises of these kinds and provide financial as well as crisis management support.

A Proactive Approach to Risk

Every family faces the risks of premature death, tragic disability, and natural disasters, but in high-wealth households the financial portfolios, business relationships and property concerns are much more complicated than in the typical home. At GMG Insurance Laguna, we conduct a full review of your interests—liquid assets, real property, personal possessions, income, and wealth perpetuation, to name a few—and advise you on how best to protect your assets. We also provide risk management strategies, such as Wildfire Protection Services, to help you avoid losses in the first place.

We manage your risk so you can focus on your life.

Protecting your assets against the exposures inherent in high-end homes, classic cars, luxury yachts, priceless art, etc. requires highly sophisticated insurance policies that work in concert. Turn to GMG Insurance Laguna for personalized attention on managing your assets and securing products that accommodate your lifestyle, now and as it changes over time. Contact us (949) 715-7981 or email at