The Risk Rundown

Charitable giving often reflects deeply personal values. Before making a donation, taking time to understand the organization and where the funds are going can help ensure your gift supports the people and causes you intend.

Our co-hosts, Julie Rison and Tyler Banks, discuss what to verify before giving, why familiar charities still warrant periodic review, and how the size and complexity of a gift can shape the level of due diligence. They also consider the questions that come with a longer-term family giving strategy, including privacy, public recognition, and the next generation’s involvement.

Highlights include:

- Reviewing a charity’s mission, leadership, governance, and reputation before renewing your support.

- Recognizing urgency and limited transparency as reasons to pause and verify a fundraising appeal.

- Matching due diligence to the size and complexity of a gift and involving trusted advisors.

- Discussing family values, public versus private giving, and the next generation’s role in charitable decisions.

Listen for considerations to keep in mind before your next charitable gift. Subscribe to The Risk

Rundown on your favorite podcast platform.

For more resources and information, visit https://bit.ly/APCPodcastPage

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Family offices face the ongoing challenge of balancing risk, cost, and wealth preservation across complex, multi-generational insurance portfolios. While captive insurance companies are a sophisticated strategy for some, shifting market conditions are also creating new opportunities within traditional insurance.

In this episode, we explore where - and how - captives fit into the family office ecosystem. Join us as we sit down with Linda Bourn, leader of our Family Enterprise Risk practice, and Seth Madnick, one of Alliant’s captive insurance specialists, to discuss how families can evaluate captives alongside traditional insurance as part of a comprehensive risk management strategy.

Key Topics Discussed:

• The Insurance Profile of Wealth: Defining the typical insurance needs for multi-generational families and shifting the perspective from "annual renewal" to "long-term wealth management strategy."
• Market Dynamics: How stabilizing property markets are changing the conversation around alternative risk financing compared to previous years.
• Strategic Evaluation: Understanding when and why a family office should begin evaluating captives, and determining if they are the right tool for a family’s specific goals.
• Captives 101: Exploring the differences between single-parent and group captives, including the advantages, trade-offs, and governance considerations for each.
• Holistic Planning: Strategies for integrating insurance decisions into broader family governance and long-term wealth objectives rather than viewing them as isolated financial exercises

Watch and listen in and ensure that your giving is both heartfelt and well-informed. Make sure you’re subscribed to The Risk Rundown on your favorite podcast platform.

For more resources and information, check out https://alliantprivateclient.com/

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Divorce doesn't just divide wealth; it rewrites your risk profile. Join Julie and Tyler on this episode of The Risk Rundown as they discuss the complex insurance and liability exposures inherent in high-net-worth divorces.

Far too often, insurance is treated as an administrative afterthought while legal teams focus on asset division. In this discussion, we explore why this "legal-first" approach is a mistake. We dive into the most common pitfalls, including why insurance doesn't follow the assets, the dangers of gaps in umbrella policies, and the critical importance of keeping insurance brokers in the conversation from the very beginning.

In this episode, we cover:

• The Insurance Misconception: Understanding why insurance must be actively restructured rather than assuming it follows the assets.
• Umbrella Policies: Why these are often the biggest long-term exposure post-divorce, especially when kids are involved.
• The Titling Trap: You cannot insure an asset you don’t own. We discuss the risks of driving or living in assets that haven't been properly retitled.
• New Relationships: The liability implications of bringing new partners into the household and the importance of updated renter’s and liability coverage.
• The "Telephone" Effect: Why cross-advisor communication is vital to prevent coverage gaps or accidental cancellations of essential policies.

Make sure you’re subscribed to The Risk Rundown on your favorite podcast platform.

For more resources and information, check out https://alliantprivateclient.com/

#AlliantPrivateClient #RiskManagement #Divorce

Fame and fortune—sounds like the dream, right? But with exposure comes risk. In this episode of The Risk Rundown, Julie Rison and Tyler Banks welcome Olya Yepremian to discuss how wealth and visibility redefine risk for public personas including athletes, entertainers, influencers, podcasters, models, and even celebrities’ children.

You’ll learn:

• Domestic employment practices claims.
• Frequent insurance reviews.
• Posting on social media .
• Umbrella coverage.
• Signing major contracts.

We dig into the nitty-gritty of liability and how high-profile individuals can protect themselves. Curious how this world works? Discover why fame is a double-edged sword and what public personas should be mindful of.

Make sure you’re subscribed to The Risk Rundown on your favorite podcast platform.

For more resources and information, check out https://alliantprivateclient.com/

#PublicPersona #RiskManagement #TheRiskRundown

Yacht ownership isn't just about the price tag — it's about everything that comes after. In this episode of The Risk Rundown, hosts Julie Rison & Tyler Banks sit down with Alliant’s yacht insurance expert Katie Johnson to break down the real risks yacht owners face, from everyday operational exposures and liability to crew safety, chartering complexities, and navigating remote voyages like the Northwest Passage.

Katie shares her 23 years of experience in the yacht insurance space, explaining why it's the everyday human errors and operational liabilities that pose the biggest risks, not just catastrophic events.

Whether you're a first-time yacht buyer or a seasoned owner, this conversation offers valuable insight into protecting your investment and your passion.

You’ll learn:

• Common misconceptions about yacht risk
• Defining boats vs. yachts vs. mega yachts
• Liability exposures owners often overlook
• The role of captains and crew in risk management
• Chartering vessels: benefits and added risks
• Why insurance coverage isn't one-size-fits-all
• Building the right team of trusted advisors

Make sure you’re subscribed to The Risk Rundown on your favorite podcast platform.

For more resources and information, check out https://alliantprivateclient.com/

#AlliantPrivateClient #YachtInsurance #RiskManagement  #YachtOwnership

In this episode of The Risk Rundown, Julie Rison and Tyler Banks discuss how kidnap and ransom risk has evolved with technology, social media, and lifestyle changes. From the rise of express kidnappings, to policy limits and exclusions, this episode showcases what you can do to protect yourself and your loved ones in an increasingly complex landscape.

You’ll learn:

• Why digital footprints raise risk
• Rise of express and virtual kidnappings
• K&R myths
• Who is most vulnerable today
• How K&R policies work
• Policy limits and exclusions
• Importance of changing your routines
• Simple safety habits online

Make sure you’re subscribed to The Risk Rundown on your favorite podcast platform.

For more resources and information, check out https://alliantprivateclient.com/

In this episode of The Risk Rundown, Julie Rison and Tyler Banks sit down with Mark Recht to discuss the nuances of protecting high-value collections. From structuring policies for multi-billion-dollar fine art portfolios, to the growing importance of authenticity for younger the generation, Mark shares his behind-the-scenes expertise.

You’ll learn:

• Don't overlook the ‘small stuff’ in your collection
• Beware of blanket assumptions
• Preparation ahead of catastrophic events is key
• Transport is the ultimate hazard
• Authenticity and provenance rule
• Estate planning and high-value collections

Make sure you’re subscribed to The Risk Rundown on your favorite podcast platform.

For more resources and information, check out https://alliantprivateclient.com/# 

Is "non-admitted" still a dirty word in the insurance industry? In this episode, Julie Rison and Tyler Banks demystify all things admitted, non-admitted and self-insurance.

You’ll learn:

• Why non-admitted policies went from being a red flag to the gold standard for high-value homes
• Admitted vs. Non-Admitted: The technical differences in state regulation, rate flexibility, and coverage limits
• How to use blanket policies and products
• The importance of accurate replacement cost valuations
• Why Self-insuring liability can be a risk

Make sure you’re subscribed to The Risk Rundown on your favorite podcast platform.

For more resources and information, check out https://alliantprivateclient.com/#

In this anniversary episode, Julie welcomes back industry veterans Cindy Zobian and Tyler Banks to reflect on a turbulent 2025 and navigate the shifting landscape of the 2026 insurance market. From the devastating wildfires in Los Angeles to the rising costs of liability, the team discusses why insurance is more than just "words on paper”; it’s a promise.

You’ll learn:

• Lessons from 2025
• Biggest insurance myths
• Trends for 2026; risk mitigation, excess liability surges, and a differentiated market
• The importance of building relationships with clients in the age of AI

Make sure you’re subscribed to The Risk Rundown on your favorite podcast platform.

For more resources and information, check out https://alliantprivateclient.com/#

Is flood damage covered by homeowners’ insurance, or do you need a separate flood policy? The answer isn’t always clear. In this episode of The Risk Rundown, Julie and Tyler tackle one of the most frequently asked insurance questions: flood vs. water damage. They explain how insurance policies define each type of loss, why nearly 40% of flood claims occur outside high-risk flood zones, and how events like hurricanes, wildfires, and heavy rainfall can lead to unexpected flooding — even far from the coast. You’ll learn: • The difference between flood damage and water damage • Why being outside a flood zone doesn’t mean you’re risk-free • Common causes of water losses inside the home • How private flood insurance differs from NFIP coverage • Practical steps homeowners can take to reduce water-related losses