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
National Reach, Regional Advisors
Independent, Advisor-Led
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.
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.
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.
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.
Primary homes, secondary residences, and the properties that carry the most value and the most exposure.
Umbrella and excess liability programs built to match the assets they protect.
Valuation, transit, storage, and coverage for the things that matter beyond their price.
Agreed value, storage, and transport coverage for the cars that are more than transportation.
Identity, fraud, social engineering, and the digital risks a personal life now carries.
Domestic staff, household operations, and the coverage family offices cannot afford to overlook.
Closely held entities, LLC-owned homes, and the business interests tied to a family.
Ranches, equestrian estates, and large acreage with their own risk profile.
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.
April Is Distracted Driving Awareness Month: A Reminder That Small Habits Can Prevent Serious Consequences
One Year Later: What the 2025 California Wildfires Taught Us — and What Affluent Families Must Do in 2026
FOR IMMEDIATE RELEASE - BCU Risk Advisors Launches Dedicated Family Office Practice to Serve Successful Families Across the U.S.
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.



























































