Gulfshore Insurance > Our Expertise > Private Risk Services

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We partner with premier Realtors in the community to ensure you come to the closing table well prepared. Allow us to shop several specialized Carriers on your behalf and recommend proper coverage to protect your new home.

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Private Risk Services

PRS LogoIt’s almost unimaginable to consider putting your assets at risk due to an unforeseen property loss or lawsuit raised against your family. In today’s litigious environment, high-net-worth clients and their investment portfolios are at risk for multi-million dollar lawsuits. Collaborating with your trusted wealth advisor and Gulfshore Insurance Client Advisor will help protect you from unexpected tragedies. Together, we can offer you peace of mind knowing that your hard-earned assets are not only growing as planned but are also fully protected. Just as wealth managers are the experts at growing their client’s wealth, Gulfshore Insurance’s Private Risk Services team members are the experts at protecting it.

Trusted Advisors

  • Ron Lazarto

    Ron Lazarto

    Client Advisor, Partner
    239.213.2870 Direct
    239.435.7159 Fax

  • Andrea Pelletier, CPRIA, CPIA

    Andrea Pelletier, CPRIA, CPIA

    Client Advisor, Partner
    239.435.7154 Direct
    239.213.2870 Fax

  • KMH20 website

    Kevin Havemeier

    Associate Client Advisor
    239.659.8888 Direct
    239.213.2870 Fax

Why Gulfshore Insurance – Private Risk Services

Navigating through the intricate nature of insurance requires an experienced independent insurance agent who understands your high-net-worth risks and exposures. Our Private Risk Services team will review your portfolio to identify and explain how your unique lifestyle exposes you to potential loss, then build a specialized insurance program to protect your assets and your lifestyle. Gulfshore Insurance has built relationships with some of the most admired, elite carriers in the world that offer specialized services and coverages for wealthy individuals and families. Should a loss occur, you will appreciate the dedicated assistance offered by Gulfshore Insurance’s in-house Claims Advocates. End-to-end our Private Risk Services team delivers an impeccable service experience for each client.

Seminars & Workshops

Gulfshore Insurance Private Risk Services offers the following series of training courses.

White Papers


Case Studies


Private Risk Services Articles



Contact a Client Advisor


Client Advisor, Private Risk Services

Direct: 239.435.7154


RLA PRS page

Client Advisor, Private Risk Services

Direct: 239.435.7159



Client Advisor, Private Risk Services

Direct: 239.435.7121