1900 Club
Deland, Gibson Private Client Group
Your insurance should reflect more than what you own. It should account for how you live, how your assets are structured, and where liability exists. We take a comprehensive view of your risk and build a protection strategy designed to safeguard what you've built.
For Households That Have Outgrown Standard Insurance
Most people come to us when their life has quietly outgrown their coverage. A second home. A trust that now owns the first one. A seat on a nonprofit board. A nanny, a boat, a watch collection that started with one watch. Each piece might be insured. The question is whether anyone has looked at how the pieces fit together.
The 1900 Club is Deland, Gibson's Private Client Group. You get a dedicated advisor who knows your whole picture, a written protection plan, and a team that checks in throughout the year, not just when your policies renew.
What's Different About the 1900 Club
What You Get as a 1900 Club Member
The 1900 Club uses the same risk-first approach we bring to every client. The difference is how often we're in touch and how much we handle for you.
One advisor who knows your account.
You always know who to call. Your advisor and a dedicated team member know your properties, your entities, and your history, so you never have to re-explain your situation.
You hear from us between renewals.
We reach out before you think to call, including a mid-year check-in and a written summary of every policy you hold: what's covered, where, and at what limits.
We catch what you forgot to mention.
You finished a kitchen renovation. Your daughter got engaged. You bought a painting at auction. We ask, so these don't come up for the first time after something goes wrong.
We coordinate across properties and entities.
Three homes, two LLCs, and a family trust add up to a lot of policies. We line them up so nothing is missed or double-covered, and we work directly with your attorney, CPA, and wealth advisor.
What We Help Protect
The 1900 Club is often a fit for clients with:
- Multiple residences
- Coastal and vacation properties
- Luxury and collector vehicles
- Watercraft and yachts
- Significant umbrella liability needs
- Fine art, jewelry, wine, and collectibles
- Trusts and LLCs
- Domestic employees
- Nonprofit board service
- Aviation exposures
- Equine exposures
- International property ownership and travel
Insurance Is One of the Most Expensive Ways to Manage Risk
Most insurance conversations begin with coverage. We start with risk.
The Gibson Risk Improvement Planning (GRIP) process identifies opportunities to reduce risk before transferring it to an insurance policy. That means fewer surprises, better decisions, and more confidence that your protection aligns with your lifestyle.
Step 1: Your Risk Review
We review more than policies and assets.
We discuss your properties, ownership structures, family responsibilities, staff, board involvement, travel habits, collections, and future plans.
We uncover exposures before they become costly problems.
Step 2: Your Custom Protection Plan
You receive recommendations tailored to your situation.
You'll understand what needs attention, why it matters, and how it protects you.
Step 3: We Stay On It
Life changes.
Properties are bought and sold. Jewelry, vehicles, and art collections grow. Family situations evolve. New opportunities create new exposures.
We stay engaged throughout the year to help ensure your protection strategy evolves along with your life.
The Questions We Ask
Our approach focuses on understanding how you actually live. These are the kinds of conversations that uncover hidden exposures and help prevent surprises.
Are your assets owned through trusts or LLCs?
If your LLC owns the property but your homeowners policy is written to you personally, a claim can fall into a gap neither policy covers. We'll check how every property is titled and make sure the coverage matches the ownership.
Have your valuables been professionally appraised recently?
A jewelry or wine collection appraised five years ago is probably worth more today than your policy reflects. We'll ask when you last had things reappraised and adjust your coverage before a claim tells you the number was wrong.
Is your umbrella liability coverage keeping pace with your lifestyle?
If your net worth has grown since you last reviewed your limits, you may be covering only a fraction of what you'd actually owe in a serious lawsuit. We'll run the numbers and tell you where the gap is.
Are all of your advisors looking at the same picture?
We regularly coordinate with attorneys, accountants, wealth managers, trustees, and other advisors to help ensure all pieces work together.
Are you serving on more than one nonprofit or corporate board?
Each seat carries its own D&O exposure, and those limits don't stack the way people assume. If you're on three boards with overlapping coverage pools, your personal liability adds up faster than any single policy shows. We'll map every board seat against your D&O and umbrella coverage so you know exactly where you stand.
Real Situations. Real Advice.
Our family has multiple properties, a trust structure, and valuable collections. Having one advisor who understands how everything fits together has given us tremendous peace of mind.
— 1900 Club Member
The conversation wasn't about selling us more insurance. It was about understanding our risks and helping us make better decisions.
— Private Client Family, New England
Great people. Great service. Easy to work with and I trust them implicitly to have my best interests at heart.
— Ezra E.
Employees care about their customers. They respond quickly and offer solutions I didn't know were possible.
— Stephanie & Michael M.
Let's Talk About What You're Really Facing
No pressure. No generic pitch.
Just a conversation about your assets, responsibilities, and exposures, and whether your current insurance strategy fully reflects them.
The 1900 Club is built for individuals and families who want more than a policy. They want guidance, coordination, and confidence that someone is paying attention.
How Can We Help?