Protection around the household.
Homes, vehicles, valuables, personal liability, catastrophe exposures, and the activities that can affect the financial plan.
POLICY PROFESSIONALS
A dedicated P&C team behind every advisor.
Litmus licensed personal-lines and commercial-lines professionals, available to participating advisors and clients through the firm's dedicated P&C Desk number.
Meet the Desk modelTHE HUMAN CAPABILITY INSIDE THE DESK
Insurance questions should not become another job for the advisor.
Litmus licensed insurance professionals help advisors and clients organize questions, review insurance information, explain coverage, identify potential gaps, and provide guidance within the scope of their authority. Advisors decide when the team prepares behind the scenes, joins a conversation, or works directly with the client.
Supported by a team with 150+ combined years of advisory, claims, and compliance experience.PERSONAL + COMMERCIAL
The range to see the client's whole P&C picture.
The Desk can support household and business questions without forcing the advisor to maintain separate referral paths.
Protection around the business.
Operations, property, vehicles, contracts, people, liability, continuity, and insurance questions connected to a client's enterprise.
One place to move the question forward.
Review preparation, information collection, renewal coordination, client-authorized brokerage handoffs, and follow-through remain visible to the advisor.
FROM QUESTION TO NEXT STEP
The Desk keeps the handoff from becoming a dead end.
- 01REACH
Call the firm's dedicated number.
The advisor or participating client reaches the Litmus team with the household context already connected to the Desk.
- 02REVIEW + ADVISE
Bring the insurance question into focus.
A Litmus licensed insurance professional reviews the authorized information, explains coverage, identifies potential gaps, and provides guidance within their authority.
- 03COORDINATE
Connect the selected brokerage.
If the client wants to obtain or replace coverage, the client may keep an incumbent broker or authorize an introduction to a participating brokerage firm.
- 04FOLLOW THROUGH
Keep the advisor informed.
The brokerage handles quotes, placement, binding, and policy service while the Desk keeps authorized status and next actions visible to the advisor.
WHAT A REVIEW MAY BRING INTO VIEW
A protection picture that better reflects the client today.
As assets, activities, values, and responsibilities change, the current insurance program may deserve a closer look.
Possible overpayment
Premium, deductibles, endorsements, and overlapping policies may no longer fit what the client owns or needs.
Possible underinsurance
Limits may not have kept pace with property values, rebuilding costs, liability exposure, or business activity.
Protection gaps
An asset, activity, peril, or contractual obligation may not be connected to the current insurance program.
Duplicate or outdated coverage
A policy may overlap another, remain tied to an asset no longer owned, or contain terms that deserve comparison.
Changes that need attention
A move, purchase, renovation, new driver, new venture, or other life event may create a reason to revisit protection.
A clear course of action
A Litmus licensed insurance professional explains what appears adequately protected, what may need attention, and whether the next step is to gather information, confirm a policy detail, or ask a brokerage to quote alternatives.
IMPORTANTThese are possible review findings—not promised savings or coverage outcomes. Litmus licensed insurance professionals provide guidance and advice within their authority; the client's incumbent broker or a participating brokerage firm handles quotes, placement, binding, and policy service.
CLEAR PROFESSIONAL ROLES
Litmus licensed professionals provide guidance. The client selects the placement path.
Litmus licensed insurance professionals review insurance information, explain coverage, identify potential gaps, and provide advice within their authority. Only when the client wants to shop, replace, or place coverage does the incumbent broker or a participating brokerage firm provide quotes, place and bind coverage, and service the policy.
Review Licensing & DisclosuresPUT THE TEAM BEHIND THE ADVISOR