Gary Raphael, ACE Private Risk Services

About the Author

Gary Raphael, ACE Private Risk Services

Gary Raphael is Senior VP, Risk Consulting, at ACE Private Risk Services. He has 23 years of personal lines insurance experience, with a special focus on property valuation, loss prevention, and claims management for affluent and high-net-worth clients.

• Ah, Spring! When HNW Clients Renovate Their Homes, With 6 Big Risks

  By Gary Raphael, ACE Private Risk Services  |  April 17, 2013

  An advisor may be asked for help in determining the best way to fund a home renovation, but there are also six discrete renovation risks that should be considered.

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  5 Big Security Risks for HNW Families

  By Gary Raphael, ACE Private Risk Services  |  September 18, 2012

  Shady characters are finding an increasing number of ways to get at HNW families’ money, thanks in many cases to rapidly changing technology. Here's how to protect those clients.

• 3 Steps for Adequately Insuring HNW Clients’ Art Collections

  By Gary Raphael, ACE Private Risk Services  |  May 17, 2012

  Don’t scream if your high-net-worth clients' fine art collections are underinsured; manage and maintain coverage by following these steps.

• Water: Essential to Life; Deadly to Homes

  By Gary Raphael, ACE Private Risk Services  |  February 14, 2012

  Four questions on insurance coverage to help your HNW clients prevent disruptive and costly repairs due to water leaks.

• HNW Risk Management at Home: Protecting Clients From Help and Contractors

  By Gary Raphael, ACE Private Risk Services  |  November 15, 2011

  Merely relying on referrals and job agencies won’t protect high-net-worth clients, but taking these steps will.

• Managing the Risks of ‘Passionate’ Investing

  By Gary Raphael, ACE Private Risk Services  |  October 11, 2011

  What wealth managers need to understand about the risks of using HNW families’ fine art, jewelry, wine and other precious items as investments.

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  Clients at Risk: Confusing Home Market Values With Rebuilding Costs

  By Gary Raphael, ACE Private Risk Services  |  August 15, 2011

  When it comes to proper home insurance coverage, avoid the dangerous misconception arising from declining home values.