At Competitive Advantage Private Client Personal Lines, we assist businesses of all sizes in implementing tailored voluntary benefit plans that enhance employee security while supporting company objectives. These affordable solutions help fill gaps in primary health insurance, offering additional protection against unexpected events like illness, accidents, and more. ​
OLIVIA PETER
COMPETITIVE ADVANTAGE PROPERTY & CASUALTY​
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VICE PRESIDENT OF COMMERCIAL LINES & PRIVATE CLIENT​
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732-704-7633 x29
Olivia provides expert risk management services, handling new business proposals, renewal preparations, claims processing, and client support.
Auto Insurance
Covers your vehicle against damage, theft, and liability for accidents. It includes liability, collision, and comprehensive coverage.
Renters Insurance
Offers protection for personal belongings and liability, but does not cover the building itself. Ideal for renters looking to safeguard their possessions.
Fine Artwork
High-value art collections require specialized insurance that goes beyond standard homeowner policies. Private personal lines coverage ensures protection from theft, damage, or loss—whether your pieces are displayed, stored, or in transit.
Boats & Yachts
From personal watercraft to luxury yachts, marine insurance under personal lines protects against liability, physical damage, and towing costs. It can also include crew coverage, navigation limits, and storm haul-out services.
Homeowner Estates
Large estates with high replacement costs, custom features, and multiple structures need custom homeowner insurance. Private lines policies provide broader protection, higher limits, and access to services like risk assessments and loss prevention.
Investment Portfolio
While investment portfolios themselves aren't directly insurable, personal lines providers often offer coverage to protect the wealth that supports them. This can include excess liability (umbrella) policies, cyber protection, and risk advisory services to guard against financial loss.
Homeowners Insurance
Protects your home and belongings from risks like fire, theft, and vandalism. Includes coverage for personal property, liability, and dwelling.
Umbrella Insurance
Provides extra liability coverage beyond what’s included in auto or homeowners insurance. Protects against large claims and lawsuits.
Jewelry
Jewelry insurance under personal lines offers tailored coverage for precious items, accounting for their full appraised value. It protects against risks like loss, theft, or mysterious disappearance—often without the deductibles or limits of traditional policies.
Automobile Fleets
Luxury or collector auto fleets benefit from coverage that goes beyond standard auto insurance, offering agreed value policies, roadside assistance, and protection for occasional drivers. Fleet coverage is streamlined and efficient, with one policy managing multiple vehicles.
Multiple Estates
For individuals with homes in multiple states or countries, private personal lines offer portfolio management under a single, coordinated program. Coverage ensures consistency, minimizes gaps, and simplifies billing and administration.
Private Planes
Personal aviation insurance covers private aircraft against physical damage and liability in the event of accidents, weather events, or mechanical failure. It ensures compliance with FAA regulations and provides peace of mind for high-net-worth individuals who fly privately.
Building Lasting Relationships Through Quality
BENEFITS & SERVICE
We believe in taking time to listen and engage our clients throughout the process to ensure no questions go unanswered, and all objectives are met. The results? With out attention to detail, we have cultivated a process of providing quality benefits and exceptional service which has strengthened our relationships and create client loyalty for years to come.
