Pine View Insurance Group Blog

Pine View Insurance Group Philosophy

Written by Mike Lloyd | Jul 23, 2025 3:15:55 PM

Pine View Insurance Group is an independent personal insurance agency offering an elevated experience to high-net-worth and/or high-earning individuals and their families. We provide boutique-level service and a focus on clarity, speed, and confidence. Our model was designed to deliver the kind of insurance experience we always wished existed: responsive and confidence-building.

Our clients value time over money, quality over shortcuts, and clarity over complexity. These are people who, when buying nice clothing, prefer a custom tailor to a department store; who select specialty boutiques over chain stores; and who expect seamless, intuitive service from the professionals they trust.

Why Pine View Exists

Insurance is one of the most important (and most misunderstood) financial tools in modern life. It enables people to live boldly with peace of mind. Without it, people and businesses would take fewer risks and progress / commerce would drastically slow.

But because most people rarely use their insurance, they often don’t realize how inadequate their coverage is until it’s too late. As a result, far too many smart, successful individuals are over-paying and/or under-insured—often both.

Pine View fixes this. Too many insurance agencies deliver slow responses, offer generic advice, and rely on outdated processes. Worse, many aren’t equipped with access to top-tier carriers or the knowledge required to meet the needs of individuals with significant assets and complex lives.

We exist to set the standard as an insurance agent that is responsive and confidence-building.

Who We Serve

Our members typically fall into one of the following categories:

High-Net-Worth Individuals & Families

Tend to:

  • Own one or more homes, with a primary residence valued at $1.5 million or more
  • Carry umbrella limits of $3 million or higher
  • Spend $10,000+ annually on personal P&C premiums
  • Have a net worth of $3 million or more (or are confidently on that path)
  • Comfortable with high deductibles—often $10,000+ for homes
  • Seek clarity, convenience, and top-tier service

High Earners with High Potential

You may not yet have a sprawling portfolio, but your trajectory makes you a great fit. Tends to:

  • Qualify as an Accredited Investor
  • Have meaningful emergency savings and a mindset of long-term wealth-building
  • Opt for higher deductibles and strategic self-insurance
  • Value your time and peace of mind over chasing the lowest possible premium

All of our members share one thing in common: they take insurance seriously—not as a box to check, but as a vital part of their financial strategy.

The Pine View Experience

We’re setting a new standard for personal insurance by focusing relentlessly on four key pillars:

1. Exceptional Service

  • Hyper-responsive communication via phone, text, email, or chat
  • Clear timelines, context, and accountability
  • Low member-to-advisor ratios for white-glove attention
  • Collaboration with your other professional advisors to deliver cohesive protection

2. Extensive Market Access

  • Access to top-tier carriers like Chubb, PURE, Cincinnati, BerkleyOne, and Private Client Select (f.k.a. AIG Private Client)
  • A thoughtful quoting process that ensures you’re seeing all viable options—not just the easiest one
  • Ongoing benchmarking and annual reviews to ensure best-fit solutions remain in place

3. Engendering Confidence

  • Proprietary tools like our Deductible Optimizer™, Umbrella Limit Tool™, and Platinum Annual Reviews™
  • Peer benchmarking to stress test your coverage and identify exposure gaps
  • Policy education and simple explanations that help you understand your protection clearly

4. Elite Risk Services

  • Personalized risk reduction strategies (e.g. automatic water shutoff devices, wildfire defense planning, etc.)
  • Complimentary services like domestic staff background checks
  • End-to-end incident advocacy and claims support
  • Ongoing recommendations that help you become a better insurance risk—earning better outcomes over time

The Advantages of Our Model

  • 100% Focused on High Net Worth Personal P&C Insurance

    We don’t dilute our focus with commercial or life insurance. All of our energy, training, innovation and systems are designed around protecting individuals and families.

  • Privately Owned and Mission Driven

    We are not beholden to outside investors or rigid profit margins. We’ll operate at breakeven—or even a loss—if that’s what it takes to deliver the experience our members deserve. Many private equity–owned agencies are required to maintain profit margins of 25% or more—margin that could otherwise be used to provide you with a better experience.

  • Tailored Innovation, Not One-Size-Fits-All

    Because our membership shares a similar profile, we can build tools, processes, and services specifically for their needs. From claims response to coverage design, we optimize everything for your world.

  • Strategic Approach to Rising Costs

    We don’t believe the cost of insurance will trend down anytime soon. Accordingly, we help you navigate this new reality with creative structuring, smart deductible strategies, and proactive risk management.

The Bottom Line

Insurance doesn’t matter—until it does. That’s why we built Pine View Insurance Group: to make sure that when the moment comes, you’re covered the right way. Confidently. Responsively. With a team behind you that treats your protection like their own—ready to act when you need us most.