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

What does it really cost to rebuild a luxury home after a total loss? Willy Hammond joins Julie and Tyler to break down one of the most misunderstood areas of high-net-worth insurance—replacement costs. This episode covers: • The difference between market value and replacement cost • How renovations, custom features, and technology upgrades increase rebuild costs • How often high-net-worth homeowners should reassess property values • The importance of content documentation, appraisals, and inventories • Common loss scenarios—including water damage—that result in the most expensive claims • Risk mitigation tools insurers increasingly require, such as automatic water shutoff systems From rising construction material costs and labor shortages to understanding why many homeowners are unknowingly underinsured, this episode explains how to ensure your properties are adequately insured to value before a loss occurs.

The holiday season brings a unique blend of celebration and risk. In this short episode, Julie and Tyler discuss some of the most common overlooked holiday hazards and some practical tips to protect your homes, valuables, and families during the holidays.

Life insurance is never one-size-fits-all. And for high-net-worth clients, it is much more nuanced than obtaining a standard employer policy. In this episode, Alliant Private Client’s Life Insurance Practice Leader, Steven Glick, speaks with Julie and Tyler about how understanding which real-life events — from starting a family to selling a business — can shape coverage and support high-net-worth family, business, and legacy goals.