The Risk Rundown

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 homesAdmitted vs. Non-Admitted: The technical differences in state regulation, rate flexibility, and coverage limitsHow to use blanket policies and productsThe importance of accurate replacement cost valuationsWhy 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/#

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 2025Biggest insurance mythsTrends for 2026; risk mitigation, excess liability surges, and a differentiated marketThe 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/#

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

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.

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 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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.