For Families Whose Lives Have Outgrown the Ordinary

Coordinated. Comprehensive. Built Around Your Life.

Backed by more than 30 years of private client experience, BCU advises high net worth families, family offices, and the wealth professionals who guide them. We manage the risk that comes with a complex life so our clients can focus on living it.

30+ Years of Private Client Experience 

Vertical black line on a white background

National Reach, Regional Advisors

Thin vertical black line on a white background

Independent, Advisor-Led

Black vertical line on a white background

Trusted by Family Offices & RIAs

Built for the Lives You Have Built.

BCU serves the people whose lives have become too complex for a standard insurance relationship. We work with families, the offices that support them, and the advisors who guide them, wherever they call home.

Black stick figure with arms raised in a celebratory pose
High Net Worth Families

The homes, vehicles, collections, and exposures that come with an established life don't fit standard policies. We build a coordinated program tailored to the specifics of yours.

Black house icon with a roof and doorway
Family Offices

Multi-household programs, domestic staff coverage, consolidated reporting, and direct coordination with the family office team. Designed for the complexity that generic policies cannot solve.

Black icon of three buildings, like a city skyline
Wealth Advisors & RIAs

A personal risk partner for the advisors who already know their clients best. We sit beside the wealth manager, not in front of them.

How We Protect What You Have Earned.

Personal risk doesn't sit in one place. It runs across homes, vehicles, collections, businesses, and liability. BCU organizes our work into ten core practice groups so each one has a specialist on it.

Simple black outline of a house with a door, windows, and a chimney on a white background

Primary homes, secondary residences, and the properties that carry the most value and the most exposure.

Black outline shield icon with a vertical center line on a white background

Umbrella and excess liability programs built to match the assets they protect.

Black outlined diamond icon with faceted top and pointed bottom on a white background

Valuation, transit, storage, and coverage for the things that matter beyond their price.

Black outline drawing of a car side view on a white background

Agreed value, storage, and transport coverage for the cars that are more than transportation.

Black outline of a speedboat icon on a white background

Navigation, crew, and liability coverage for recreational vessels of every size.

Shield with a padlock icon and circuit lines, representing cybersecurity protection

Identity, fraud, social engineering, and the digital risks a personal life now carries.

Black outline of an office chair beside a desk with a computer monitor and lamp.

Domestic staff, household operations, and the coverage family offices cannot afford to overlook.

Black line icons of a person, speech bubbles, a chart, and a coin with a dollar sign.

Closely held entities, LLC-owned homes, and the business interests tied to a family.

Simple black line drawing of a horse head with a mane on a white background

Ranches, equestrian estates, and large acreage with their own risk profile.

Globe with location pins and dotted travel route, with small clouds nearby

Global travel, short-term rentals, climate exposure, and the new risks a modern life creates.

A Simple Process for Complicated Lives.

Review

We begin with a confidential review of your current policies, assets, and exposures. There is no cost and no obligation.

Design

We design a coordinated program built around your life, not around what any single carrier wants to sell. You see the rationale behind every recommendation.

Advocate

Once your program is in place, we stay with it. And when the time comes to use it, we represent you, start to finish.

Testimonials

I am a huge fan of BCU. I know the founders well, the B, C, and U, and better yet, they know me well. I wouldn't think of doing business with anyone else.

Grant Deporter

CHICAGO, IL

I have been a client of BCU Risk Advisors for the last 10 years. I have found them to be not only extremely responsive but even more importantly genuinely concerned about my welfare and extremely proactive. I have recommended several clients to BCU and all have been extremely pleased. I recommend BCU without any qualification or hesitation!

Jim Marino

P.C., CHICAGO, IL

For families with considerable assets, managing risk is essential and requires a broad knowledge of many exposures stemming from assets and life style. In BCU, we have a true partner who know each of our needs extensively. The numerous instruments BCU has provided have helped us accomplish our many family goals and the execution has been flawless.

Bill Smithburg

CHICAGO, IL

I have worked with BCU for years on mutual clients. BCU is by far one of the most prestigious insurance brokerage companies we have worked with in my many years in business. The one thing I really like and enjoy working with BCU is that they treat their clients as family, as well as us.

Mike Guidry

CEO AND FOUNDER, THE GUIDRY GROUP

Insight for Advisors and the Families They Serve.

BCU publishes a running library of guidance for advisors, family offices, and the clients they represent. Read the latest below, or subscribe to the BCU Brief for a monthly summary.

Let's Talk.

A 30-minute conversation with a BCU advisor is the best way to know whether we are the right fit. There is no cost and no obligation.