OKLAHOMA’S HIGH NET WORTH INSURANCE EXPERT
About Brian Harvey.
Private Client Advisor
Brian joined HUB International in 2017 after more than a decade as a Personal Lines Insurance Advisor with a Fortune 100 company. A native Oklahoman and veteran of the United States Coast Guard, he returned to the state in 2007 after calling the Washington, D.C./Northern Virginia region home. He received a classical liberal arts education from Bethany College (Lindsborg, KS), graduating with a Bachelor’s Degree in History/Political Science and has completed Masters work at the University of Oklahoma. A former Trustee and Past President of the Deer Creek Schools Foundation, his family resides in Northwest Edmond (Deer Creek).
Brian’s Insights on Personal Insurance
The majority of my clients come to me from direct referrals of existing clients, business partners and friends. There is no greater compliment in my profession than a referral and it is something that I do not take lightly!
I also represent many clients who elected to transfer their insurance accounts to HUB. It is not uncommon for someone to be pleased with their carrier but dissatisfied with their current agent. A simple solution to this is dilemma is a Broker of Record transfer. It is something that I specialize in here at HUB and it gives me the ability to review someone’s policies, offer solutions and then serve as their Personal Insurance Advisor.
Understanding personal insurance and risk management can seem complex and complicated. However, it doesn’t have to be! My job is to help individuals and families uncover their protection needs and then provide them with solutions.
I begin my risk management review by first getting to know the prospect. I’ll ask specific questions to give me insights into who they are and what their story is. From there I thoroughly research their personal property and assets, uncover potential areas of risk for their family and then review their current insurance policies. I find it much easier to offer solutions when I get to know who I am working with and how much they have to protect.
My years of experience working in the High Net Worth insurance market, combined with my understanding of the available carrier partners and their products are then used to find a tailored solution to meet the protection needs of each individual and family that I work with.
This attention to detail, along with the genuine care and concern I provide to each client shows. These are just a few of the reasons why HUB’s High Net Worth Division has a 98% retention rate and why our clients and strategic partners are so willing to recommend to HUB.
About chasity crenshaw.
Chasity joined HUB International in 2013 and has 23 years of experience in the insurance industry. In 2014 she earned her CISR (Certified Insurance Service Representative) and is currently working to obtain the CIC (Certified Insurance Counselor) designation. She has now returned to her home state of Arkansas and works remotely in Fayetteville, Arkansas. When not working, she spends much of her time at the soccer fields. Her other hobbies include crafting, gardening, and traveling.
Chasity works collaboratively with Brian in managing a book of business while acting with a high degree of independent discretion, autonomy, and decision-making. She serves as a day to day contact and provides resolutions for client questions and issues and acquires understanding of clients’ insurance objectives and critically analyzes and compares insurance plans to determine suitability. She coordinates and provides service for his clients by maintaining client relationships, maintaining strong carrier relationships, and understanding client needs and oversees the preparation and implementation of all transactions, paperwork, and internal processing for assigned accounts.
carriers we represent.
As the #1 ranked, privately-held insurance brokerage in the U.S., HUB International’s Advisors are industry leaders when it comes to providing risk management services. HUB’s High Net Worth Division specifically focuses on providing insurance solutions for accomplished individuals and their families. A direct writer of the very best Property & Casualty insurance companies available here in Oklahoma, HUB is also licensed in all 50 states with insurance expertise and carrier options second to none.
TAILORED SOLUTIONS THAT WORK.
Whether a custom home, high performance vehicle or future earnings, you have a lot to protect. Here are just some of the examples of the products and services HUB International offers to meet your personal and professional insurance needs.
Personal Insurance Solutions:
- Custom Built Homes ($500,000+)
- Luxury Properties ($1,000,000+)
- Secondary/Vacation/Rental Properties
- Flood Insurance
- Personal Automobiles
- Antique/Collector Vehicles
- Valuable Articles (Jewelry/Art/Wine/Furs)
- Personal and Professional Liability
- Travel Insurance
Other Insurance Solutions:
- Aircraft and Aviation
- Commercial Insurance
- Small Business Insurance
- Workers Compensation Insurance
- Employer Benefits
- Employee Retirement Plans
- Individual Health Insurance
- Medicare Supplemental Insurance
- Risk Management Services
Ready to find out more?
Contact me today.
Why High Net Worth Insurance?
Accomplished individuals and families today are faced with tremendous risks that have the potential to significantly impact their personal property, overall net worth and the lifestyle they have worked so hard to create. Cyber-attacks, natural catastrophes and the potential cost of a liability lawsuit are just a few examples of real world risks.
The majority of successful families here in Oklahoma use a standard, middle-market insurance company for their personal insurance. This can cause problems because these carriers do not specialize in High Net Worth asset protection, nor do they have the products and services to meet the insurance needs of successful people and their property.
High Net Worth carriers offer exclusive products and services designed to meet the needs of successful people. These companies also have a much smaller market share which allows their pricing to be better aligned with the overall risk, and the clientele they represent.
How is High Net Worth Insurance Different?
From specialized coverages and products designed exclusively for accomplished individuals and their property, to industry leading claims handling and customer satisfaction. Choosing a High Net Worth Insurer has its advantages.
Here are just a few examples of what sets these companies and their products apart.
High Net Worth Coverage Differences:
- Agreed Value coverage for autos
- OEM Parts Guarantee
- Guaranteed Rebuild Coverage for Homes
- Lifetime Roof coverage (including wood shake)
- Cash Out Options for both Auto and Home
- Waiver of Deductible endorsement
- Water Backup coverage with limits up to Dwelling amount
- Earthquake coverage with 2% deductible
- Home Equipment Breakdown protection
- Cyber Liability protection
- Superior coverage for Collections (Jewelry/Art)
- Higher Limits of Liability (up to $100 Million)
- Claims Expertise with High Value Property
High Net Worth insurers provide sizeable discounts for loss prevention features commonly found on high value property;
- Auto Safety Features
- Auto Anti-theft system
- Smart Home Technologies
- Impact Resistant Roof Credit
- Fire Alarm Systems
- Interior Sprinkler Systems
- Burglar Alarm Systems
- Water Leak Detection
- Water Shut Off Devices
- Temperature Monitoring
- Gated Neighborhood
- Perimeter Security Fencing
WHY HUB INTERNATIONAL?
We are Hub
We’re one of the largest insurance brokers in the world and we’re right in your community. With HUB, you’re at the center of an integrated network that spans North America – a one-of-a-kind aggregation of insurance professionals who understand the issues you face every day.
- #1 ranked, privately-held insurance brokerage in the U.S.
- Largest independent personal lines agency in North America
- 98% client retention
- Platinum status with all major insurance carriers
- Dedicated In-House Service, Billing and Claims Professionals assigned to each account
We are Local
While global in stature, our strength lies in our commitment to the communities we live and do business in.
Locally focused on cities like Arcadia, Edmond, Jones, Nichols Hills, Norman, Oklahoma City and surrounding areas. Our clients reside in some of the Central Oklahoma’s finest neighborhoods including: Bocage, Deep Deuce, Deer Creek, Edgewater, Esperanza, Fairfax, Fairview Farms, Gaillardia, Heritage Hills, Iron Horse Ranch, Lake Aluma, Mesta Park, Mulholland, Nichols Hills, Oakdale, Oak Tree, Quail Creek, Rose Creek, Sugar Hill and Val Verde to name a few.
PRIVATE CLIENT SERVICES.
Statistics show that most successful individuals and families have no trusted resource when it comes to protecting their personal property and assets. However, many of these people have close working relationships with Accountants, Financial Advisors and Attorneys to grow and preserve wealth, plan for retirement and navigate complex issues.
Why do I need a Private Client Advisor?
You’ve worked extremely hard for your success. Don’t let a single serious property or casualty loss wipe out all of the benefits of your financial planning. Having a risk management and asset protection strategy is an essential component of preserving wealth.
A 2018 personal insurance survey discovered that:
- 77% of financially successful individuals and families wanted the assistance of their Financial Advisor in managing their Property & Casualty Insurance needs. Yet, only 28% of Advisors surveyed confirmed that they provide such services for their clients.
- 7 out of 10 successful individuals and families indicated that they have never, or have rarely ever, had a professional insurance risk assessment done.
- As a result, 43% of financially successful individuals and families are underinsured when it comes to protecting their personal assets with 21% having no excess liability protection at all and 22% having less liability coverage than they need to protect their net worth.
Ready to find out more?
Contact me today.
As a realtor of luxury homes for the past 36 years, I am always conscientious about who I refer to my customers. Brian has represented us for years with all of our personal insurance need. I have first-hand experience of his integrity, professionalism and prompt attention to service. I would, without hesitation recommend HUB International and Brian Harvey to anyone with personal insurance needs.
We were Brian Harvey fans and former clients of his previous company. In 2018, we tracked him down and switched all of our insurance coverage to him at HUB International. Brian moved our insurance from a middle market provider to a High Net Worth carrier. At the time, I jokingly mentioned to him that I thought he was upselling me on the catastrophic coverage for our homeowner's policy. I'm so glad that we took his advice and went with it! A mere 2 weeks after our new insurance coverages began, a freak storm dumped 7" of rain in less than 90 minutes and flooded our house and neighborhood. Because of his guidance we were properly insured with a High Net Worth carrier’s flood protection that, unfortunately, many of our neighbors didn’t have. Brian went above and beyond! And he was right! I shudder to think how we would have fared with our previous carrier. Brian really cares!
Brian Harvey has been my Insurance Broker for the past 6 years. Not only did he do an outstanding job helping me find the right coverages for the best value, he has become a trusted friend and advisor. Along with making sure I am properly insured, he always makes me feel like he has my best interest in mind. I’ve referred several friends and relatives to him over the years, and all have reported that they had the same fantastic experience with Brian.
I turned to Brian Harvey at HUB International after experiencing significant rate increase year after year from the name carriers in the market. I had also become increasingly frustrated with their lack of customer service. Not only does Brian provide hands-on, expert service and assistance, the coverages he has provided for my home and automobile protection is reasonably priced and was tailored to fit my family’s specific needs. I highly recommend Brian for anyone needing assisting with their personal insurance.
In 2019 I moved all of my personal lines over to HUB International and Brian Harvey. I had been insured with State Farm for as long as I have had insurance. Brian and his staff went over and beyond to not only saving me money but also increasing my coverages. He actually moved us from a middle market carrier to one of the premier High Net Worth insurers and somehow still saved us money! I highly recommend Brian and the wonderful staff at HUB International! Trust me they will not disappoint!
Brian and Chasity have been a pleasure to work with. The insurance program Brian designed for us with Pure has exceeded all of our needs. We filed our first home claim in 20 years of home ownership this year after our house was struck by lightning in the spring. We were pleasantly surprised at how smoothly the claims process has gone. Everyone (Brian, Chasity, and our Pure Insurance Claims Adjustor Julie) did everything that they could to make sure that my home was back to normal in the shortest amount of time possible. We have referred others to Brian and will continue to be his biggest fan.
I am here to help. Whether it is a simple question or a valuable suggestion, I am here 24/7.
You can call me by phone or email me directly.