The Coverage Most Successful Families Don't Know They're Missing
Chubb Family Protection and Intact Prestige Guard exist for the risks nobody wants to talk about — until they have to.
READING TIME: 6 Minutes
BRAMPTON, ON - Fifteen years of civil litigation. A reputation built on precision, discretion, and the kind of calm that comes from having seen almost everything a courtroom can produce. A real professional — the kind who introduces clients and receives them in return.
He wasn't calling about a client.
He was calling about his family.
Three weeks earlier, his teenage son had been involved in an altercation that escalated into something none of them saw coming. What started as an isolated incident had grown — online, in the community, and eventually into a credible threat serious enough that a private security consultant had recommended changes to their home.
He had called his insurance broker first. The broker was professional and genuinely sorry. But the answer was no. Nothing in his existing policy responded to what was happening to his family.
He called Bram Bains next, not as a client, as a peer.
“The first thing he said to me was — I didn't know this kind of coverage existed. Why didn't anyone tell me?" Bram recalls.
The Risks Nobody Names Until They're Real
Most conversations about private client insurance start and end in the right place — the home, the vehicles, the liability exposure. Those conversations matter.
But there is a category of risk that sits outside all of that. Not the financial risk of a claim. Not the structural risk of an underinsured home. A different kind entirely — the kind that comes from being visible, accomplished, and identifiable in the world.
Home invasion. Carjacking. Stalking threats. Cyberbullying. Child abduction. Road rage incidents that turn serious.
These are not abstract risks. They happen. And for successful families — people with a public profile, community visibility, business prominence, or significant assets — the exposure is higher than most want to acknowledge.
The coverage that responds to these situations exists. It is not standard. It is not available on a typical home policy. And the vast majority of private client households don't carry it — not because they've considered it and declined, but because nobody has ever put it in front of them.
“These coverage enhancements are baked into the policies we deliver at Maverick. The coverages themselves are dark and uncomfortable to talk about— and frankly, we all like to live in blissful ignorance. But the reality is that these things happen, and private clients tend to be the targets. Better to have the coverage and not need it than to need it and not have it."
— Bram Bains, Maverick Insurance Brokers
Two Products. Built for This Exact Reality.
Chubb Masterpiece Family Protection and Intact Prestige Guard are purpose-built endorsements for business families, community leaders and entrepreneurs. Both are available exclusively to clients in private client programs — Chubb Masterpiece and Intact Prestige respectively. Neither is available on a standard home or auto policy regardless of how high the limits are.
Chubb Masterpiece Family Protection
Chubb's definition of a covered person is one of the broadest in the industry — extending to spouse, children, parents, grandparents, siblings, and descendants. The coverage travels with the family, applying almost anywhere in the world.
Cyberbullying— If a family member experiences harassment or intimidation online leading to reputational injury, financial loss, or emotional harm, Family Protection responds. Covered costs include psychiatric services, rest and recuperation expenses, lost salary from wrongful termination, temporary relocation, education-related expenses, and professional public relations and cybersecurity consultants. For a seventeen-year-old targeted online, this is the coverage that existed. Her father just didn't know about it.
Stalking Threats — Security consultation, security guard services, security upgrades to the home, and temporary relocation if necessary. If a family member suffers permanent injury as a result of a stalking incident, Chubb will also cover modifications to the home or vehicle for accessibility. This is the coverage that family needed. It wasn't in the policy.
Home Invasion— Up to $250,000 per occurrence if a covered home invasion leads to loss of life or disabling injuries. Coverage also responds for medical, psychiatric, home security costs, the insurance deductible, and a reward to help identify the person responsible.
Carjacking— Bodily injury, trauma, lost wages, insurance deductible, relocation expenses, and security expenses for the home or vehicle. Chubb's carjacking coverage applies to the policyholder, a family member, or a covered relative operating the vehicle.
Child Abduction — Complementing the kidnap expense coverage within the Masterpiece Personal Liability policy, Family Protection covers travel, phone, medical, dental, and psychiatric costs if a child under thirteen is abducted and a ransom demand is made.
Supplemental Identity Fraud — Up to $50,000 for identity fraud expenses, including fraudulent mortgage placement. Land transfer taxes, bank fees, forensic accounting, and investigative costs to rectify fraudulent home ownership transfers.
Road Rage and Air Rage — Bodily injury, trauma, lost wages, and the auto deductible if the vehicle is damaged. Air rage and hijacking coverage extends to the same expenses resulting from incidents on a commercial conveyance — airliner, tour bus, ferryboat.
If any covered event leads to a loss of life or permanently disabling injury, Chubb can cover up to $250,000 per occurrence for covered individuals.
Intact Prestige Guard
Prestige Guard operates on the same philosophy — covering what standard insurance was never designed to address, for clients whose lifestyle creates exposures that standard underwriting models don't account for.
The coverage mirrors Family Protection across the core risks: home invasion, carjacking, stalking threat, child abduction, road rage, air rage, and hijacking. Up to $250,000 if any protected event leads to loss of life or injury.
On the identity fraud side, Prestige Guard covers up to $50,000 for fraud and investigation expenses — specifically including fraudulent real estate transactions, a growing and increasingly sophisticated threat in Ontario's high-value property market.
Covered expenses extend further than most clients expect: medical and psychiatric services, rest and recuperation, residential security expenses, professional security consultant and guard services, temporary relocation, and the homeowner's or vehicle deductible following a covered event. If a family member suffers permanent injury, Prestige Guard covers modification of the home or vehicle for accessibility up to $15,000.
“Chubb and Intact Prestige have made it seamless to have these coverages available as part of a private client program. It's not a separate conversation or a separate policy — it's built in. That's by design. These carriers understand the lifestyle their clients live and they've built the protection around it."
— Bram Bains, Maverick Insurance Brokers
Who This Is Built For
Both products are designed for a specific kind of client.
Business founders and executives with public profiles. Community leaders whose names appear in the press. High-income professionals — lawyers, surgeons, accountants — with identifiable family members and visible lifestyles. First and second-generation wealth holders who've built or inherited something significant. Athletes, creators, and individuals whose success creates a public identity.
The Chubb 2025 Wealth Report found that 53% of high-net-worth individuals want an advisor who understands their personal risks — not just their financial exposure. These two products are what that actually looks like in practice. Not a spreadsheet of limits and deductibles. A genuine understanding of the world a private client family lives in — and the risks that come with it.
The risk of being visible and successful isn't hypothetical. It's present. And for most private client households in Ontario, it's completely uninsured.
The Answer to His Question
Why didn't anyone tell me?
Because most brokers don't have access to these programs. Because standard carriers don't offer them. Because the conversation tends to stop at the home and the cars and the liability limit — and the less comfortable risks never get named out loud.
That family is insured properly now. The security costs are documented. The policy responds to the world they actually live in — not the world a standard underwriter assumed they lived in.
“Nobody wants to think about home invasion or a stalking threat or their child being targeted online. We all prefer to live in blissful ignorance — and honestly, most of the time, that's fine. But private clients are targets. That's the reality. And the job of a private client advisor is to make sure the coverage is there before the phone call that makes it real."
— Bram Bains, Maverick Insurance Brokers
That's what private client advisory is supposed to do.
Chubb Masterpiece Family Protection and Intact Prestige Guard are available exclusively through private client programs. Coverage is subject to policy terms, conditions, and exclusions. Contact Maverick Insurance Brokers to determine eligibility and the right insurance program for your household.
About Maverick Insurance Brokers
Maverick Insurance Brokers is an independent private client advisory based in Brampton, Ontario. Founded by Bram Bains, Maverick serves entrepreneurs, business families, and community leaders across Ontario — providing direct access to a trusted advisor across home, auto, high-value assets, and commercial insurance. Maverick is a member of the MIB Broker Distribution Network and an official partner of the Brampton Honey Badgers (CEBL).
Maverick works with Canada's leading private client carriers — including Chubb and Intact Prestige — to deliver insurance programs built around the assets, lifestyle, and risk profile of each client.
Maverick Insurance Brokers has been recognized by Insurance Business Canada and Canadian Underwriter as a voice in the private client advisory space in Ontario.
for more information visit - maverickinsurance.ca
About Chubb
Chubb is the world's largest publicly traded property and casualty insurance company, with operations in 54 countries. In Canada, Chubb serves successful individuals and families through a select network of appointed brokers, offering a suite of private client products under the Masterpiece brand — including high-value home, automobile, valuable articles, watercraft, excess liability, and Family Protection coverage.
Chubb is recognized for its precision underwriting, proactive risk management guidance, and an exceptional claims experience that private clients consistently cite as the standard against which all others are measured. Chubb products are available exclusively through appointed brokers.
for more information visit - chubb.com
About Intact Prestige
Intact Prestige is the high-value personal lines division of Intact Insurance, Canada's largest home, auto, and business insurer. As a wholly-owned Canadian company, Intact Prestige delivers enhanced and tailor-made coverage for clients with high-value assets and distinctive lifestyles — including Prestige Homeowners, Prestige Auto, Prestige Umbrella, Prestige Cyber Protection, and the Prestige Guard Endorsement.
Intact Prestige is committed to providing the highest level of customer satisfaction through distinctive product offerings and an unparalleled claims experience. Coverage is available exclusively through select appointed brokers.
for more information visit - intactprestige.com
Interested in working with Bram Bains? Learn more about the Maverick Private Client Group or Book a Call.
