David Spencer, ACE Private Risk Services

About the Author

David Spencer, ACE Private Risk Services

David Spencer, Vice President of Premier Client Services at ACE Private Risk Services, has more than 28 years of experience in the personal insurance business serving families and individuals with emerging and established wealth.

• Devil Is in Insurance Policy Details When HNW Clients Are Sued

  By David Spencer, ACE Private Risk Services  |  December 20, 2012

  The wealthy fear being sued for some suprising reasons. Yes, insufficient liability coverage should not be one of those reasons, but you need to make sure there is coverage in three other key areas.

• Five Surprising Insurance Benefits for HNW Families

  By David Spencer, ACE Private Risk Services  |  October 12, 2012

  Insurers specializing in high-net-worth coverage offer complimentary services to prevent, minimize and recover from loss. Here are five such coverages your clients may be overlooking.

• Want to Save on HNW Clients’ Home Insurance? Raise the Deductible

  By David Spencer, ACE Private Risk Services  |  August 14, 2012

  Big premium savings can far outweigh the added risk when your wealthy clients raise their deductibles.

• 5 Traits of the Wealthy That Raise Their Risk of Big Lawsuits

  By David Spencer, ACE Private Risk Services  |  July 11, 2012

  Your high-net-worth clients may enjoy a rich lifestyle, but that may also leave them at risk of multimillion-dollar lawsuits. Read and learn.

• Wealthy Worry They Might Be Targets, but Don’t Buy Adequate Protection

  By David Spencer, ACE Private Risk Services  |  March 13, 2012

  Occupy Wall St.? Buffett Rule? The high-net-worth feel they might be sued, but fail to purchase the appropriate umbrella liability coverage.

• 4 Top Issues to Address in a HNW Client New Year Insurance Checkup

  By David Spencer, ACE Private Risk Services  |  January 17, 2012

  Neglecting to adjust your HNW client’s insurance program each year can lead to an unacceptable level of risk.