Chubb Family Protection and Intact Prestige Guard cover home invasion, stalking, cyberbullying, carjacking and child abduction — risks most private client households in Ontario carry no coverage for. Here's what that looks like when it becomes real.

You call your insurance company. You are placed on hold. Twenty minutes pass. You get transferred. You explain everything from the beginning to someone reading from a script. For clients with complex assets and fast-moving lives, this is not a service model. Here's what a real private client advisory relationship actually looks like — and what to look for in the right advisor.