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PROTECTING YOUR NOW & YOUR FUTURE

Finding Solutions that Fit Your Lifestyle, Not Making Your Lifestyle Fit a Solution
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THINKING ABOUT YOU IN EVERYTHING WE DO

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UNDERSTANDING YOUR STORY

Finding the best solution starts with a true understanding of our clients’ lives. We conduct an in-depth interview to learn more about you, your family, hobbies, assets and goals for the future. Knowing sometimes our stories change, we meet with you regularly to assess your needs and provide experienced guidance.

OUR EXPERIENCE, YOUR BENEFIT

After a complete review and analysis of your current policies against risks we identified, we’ll determine gaps and coverage limitations that should be addressed to help protect against catastrophic loss. We then go shopping for you. Utilizing our access to premium carriers that offer more than cookie-cutter solutions, we find the best mix of carriers and coverage for your individual situation.

WE'RE IN YOUR CORNER

As trusted advisors, we won’t fit your needs into a mold. We’ll provide counsel in uncertain situations and quantify your risks based on the lifestyle you lead. Our strict attention to detail and in-depth understanding of your risk profile allows us to serve as your advocate to carriers – helping find the best coverage options and premium.

PLAN THE PERFECT TRIP, WE'LL PLAN FOR THE WORST-CASE SCENARIO

Put the focus on your travel, not on the “what ifs” — that’s our job. AHT offers new travel medical, crisis response and adventure travel insurance through our partner, Battleface, to give you peace of mind that you’re covered and know what to do in the event of an emergency or unforeseen issue.

FAMILY PROTECTION POLICY: Protect Your Family & Assets

The Family Security Protection Policy gives families and individuals the support and desired timely response needed to address and manage crises. This cutting-edge insurance policy is provided by a world leading insurer and emergency response team to help give you peace of mind knowing you are doing everything you can to protect your family.

WHY WE SHOULD BE PART OF YOUR STORY

With a customer retention rate 10% OVER the average, it’s clear we’re doing something right. SO, WHAT IS THAT SOMETHING?

WE PUT OUR CLIENTS FIRST

As a privately owned firm, our focus is on finding the best solutions to fit the needs of our clients.  We are driven by our collaborative culture and values, not by shareholders, private equity firms or wall street, like many others.

WE PUT A COMMITTED TEAM ON YOUR SIDE

Your dedicated broker and service team will be involved from the beginning and understand your account inside and out. When changes in your life occur, questions arise or concerns surface, your team will be ready to assist as your personal advisors and advocates.

WE PUT DECADES OF EXPERIENCE TO WORK FOR YOU

After 99 years of serving clients, continued growth and positive changes, one thing remains the same, our best asset is our team. AHT invests in the education and professional development of its team members to ensure they are leading the conversation with clients about changes in the risk landscape, coverages, laws and anything else that could affect the protection of their most valuable assets.

WE PUT YOUR STORY IN FRONT OF THE RIGHT PEOPLE

We work with premium carriers that offer unique products to better serve the holistic needs of our clients. Broader coverage, guaranteed and unlimited replacement and higher limits of personal liability are just a few of the reasons we work with these carriers to secure the coverage you actually need, not the coverage that fits the insurance company’s products.

Tech Layoffs: What it Means for Employers Across Industries

The face of tech is changing. Or, maybe it is more accurate to say… the faces in tech are changing. That’s because U.S.-based tech companies have laid off more than 58,000 workers so far in 2023. Last year, the sector cut more than 140,000 jobs.

Cyberattackers: Targeting the Vulnerable

Have technology-obsessed kids in the house or elderly relatives who also use internet-connected devices? Any time an individual is exposed to the cyber world, personal data can be equally exposed. In the wrong hands, that information becomes ripe for identity theft, a financial scam, and cyberbullying.

High-Net Worth Individuals – Using Benchmarking to Determine Proper Coverage/Limits

Using benchmarking can be a powerful strategic tool for high-net-worth individuals as they make decisions about how to move forward with proper insurance coverage. Benchmarking uses data analytics taken from claims activity to offer insureds comparisons of coverage to lower insurance costs. The value of benchmarking also offers insight into the probability of loss, preparing insureds to create short and long-term goals as part of their overall risk mitigation.

High Net Worth Individuals: Effects of Being Over or Under-Insured

Hard insurance market conditions continue to influence high-net-worth individuals and family offices, requiring them to be extremely discerning with their risk management strategies to avoid being under or over-insured.

CASE STUDY: High Net Worth Individual – Consolidating Coverage to Avoid Gaps

Most successful people have larger portfolios with diverse and complex insurance needs. We frequently work with clients who have various, dissimilar polices – often in multiple states – collected along the way as they acquire assets. After reviewing their portfolios, we repeatedly find inadequate coverage or gaps, leaving them with serious exposure. It’s vital to holistically review the entire collection of our client’s insurance coverage to assure the polices are complementary and comprehensive, and to avoid major interruptions or shortfalls in coverage.

WHY WE SHOULD BE PART OF YOUR STORY

With a customer retention rate 10% OVER the average, it’s clear we’re doing something right. SO, WHAT IS THAT SOMETHING?

WE PUT OUR CLIENTS FIRST

As a privately owned firm, our focus is on finding the best solutions to fit the needs of our clients.  We are driven by our collaborative culture and values, not by shareholders, private equity firms or wall street, like many others.

WE PUT DECADES OF EXPERIENCE TO WORK FOR YOU

After 99 years of serving clients, continued growth and positive changes, one thing remains the same, our best asset is our team. AHT invests in the education and professional development of its team members to ensure they are leading the conversation with clients about changes in the risk landscape, coverages, laws and anything else that could affect the protection of their most valuable assets.

WE PUT A COMMITTED TEAM ON YOUR SIDE

Your dedicated broker and service team will be involved from the beginning and understand your account inside and out. When changes in your life occur, questions arise or concerns surface, your team will be ready to assist as your personal advisors and advocates.

WE PUT YOUR STORY IN FRONT OF THE RIGHT PEOPLE

We work with premium carriers that offer unique products to better serve the holistic needs of our clients. Broader coverage, guaranteed and unlimited replacement and higher limits of personal liability are just a few of the reasons we work with these carriers to secure the coverage you actually need, not the coverage that fits the insurance company’s products.

Employee Benefits: Employees Raising the Bar and Raising Costs

Read about: Understanding the Issue Strategies to Manage the Issue Determining a Path Forward Understanding the Issue - Employees Requesting Higher Pay & the Impact on Employers “I’D LIKE A RAISE”   It’s becoming more common for U.S. employers to hear...

Crystal Ball Gazing – International NGO Risks in 2023

Making predictions about global risk trends is fraught with…well, risk. Recently, though, I was interviewed about the top risks for NGOs for the INSSA Insights Podcast along with Ben Longworth of On Call International and we discussed a number of challenges likely to face the NGO community in the coming year.

Employee Benefits: Solutions for Your Staff & Wallet

Read about: Understanding the Issue Strategies to Manage the Issue Determining a Path Forward Understanding the Issue - Higher Health Insurance Premiums Up, up, and away. That’s one way to describe the soaring costs of health insurance premiums. Here’s a...

Cost Containment: Substance Abuse & the Workplace

Read about: Understanding the Issue Strategies to Manage the Issue Determining a Path Forward Understanding the Issue - Impact of Increased Substance Use Disorders in the Workplace From alcoholism to marijuana use and prescription drug overuse, substance...

A Catastrophic Claim + Gaps in Your Coverage Could = UNRECOVERABLE LOSS

FIND OUT IF YOU’RE PROPERLY COVERED NOW
BEFORE YOU NEED TO KNOW LATER

PROTECTING THE PAGES OF YOUR STORY

No matter who you are, we’ve got the experience to manage your most complex personal insurance needs. From those just starting out to high-net worth clients, young adults to retired individuals, we’ll be your consultants to guide you through the unknown complexities of safeguarding what matters to you now and in your future. We specialize in the following areas and many more. Let’s talk about how we can help you >>

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Home

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Aircraft

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Umbrella

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Auto

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Fine Art

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Life

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Watercraft

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Investment Properties

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Disability

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Worker's Comp

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Valuables

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Classic Car Collections

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Specialized Coverages

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Cyber

GET TO KNOW US

Cam Gravrock
Senior Vice President & Shareholder – Private Client Practice

Meet Cam >>

Tara Trout, CAPI, AFIS, CIC
Senior Vice President, Shareholder & Director of Farm and Equine – Private Client Practice

Meet Tara >> | Learn More about Our Farm & Equine Practice >>

STAY INFORMED

Every quarter, our team will send you valuable tips and critical market updates. Stay in the know!

Rob Renner
Vice President – Private Client Practice, Farm Specialist

Meet Rob >> | Learn More about Our Farm Practice >>

Sophie Riley
Assistant Vice President – Private Client Practice

Meet Sophie >>

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