Our Insurance Specialties & Solutions

Risk Management Programs

Guidance and Protection for Every Step of Your Life’s Journey

A life filled with personal and professional success doesn’t happen overnight—it requires time, effort, and thoughtful planning. The same is true when it comes to protecting what you’ve built. Over the years, as your family, assets, and career have grown, you may have accumulated a range of insurance products that made sense at the time but have become difficult to manage.

At Bailey Howes Insurance, we specialize in evaluating, planning, and coordinating cohesive, holistic insurance solutions designed to protect every aspect of your life.

If you’re ready to streamline your insurance experience and simplify decision-making, our professional advisory team is here to help. We provide knowledgeable guidance, responsive service, and tailored personal and business insurance options that offer financial assurance and peace of mind.

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Comprehensively Protect What You’ve Worked So Hard to Create

The Bailey Howes Insurance team is dedicated to helping you assess and manage the risks that often accompany an accomplished career, significant personal assets, and a complex investment portfolio. Drawing on a deep understanding of your specific circumstances, we recommend a balanced blend of tailored insurance solutions to safeguard every aspect of your life including:

Your Exceptional Home

Your home represents both a major financial investment and a deeply personal space. The last thing you should ever worry about is whether it’s fully protected. Whether you’re relocating to the Concord area, maintaining multiple residences, or planning a large renovation, partnering with Bailey Howes gives you access to specialized high-value home insurance and proactive risk management consulting.

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Your Secondary/Vacation Properties

Your secondary homes offer priceless views, access to favorite destinations, and unforgettable moments with loved ones. It’s unsettling to imagine closing them, even temporarily, because of storm damage, flooding, wildfire, frozen pipes, or other risks. At Bailey Howes, we assess your secondary homes’ unique risks, recommend proactive steps to reduce vulnerabilities, and craft customized insurance programs that provide broad coverage and exceptional support for claim recovery.

Your Watercraft and Personal Recreational Vehicles

Days spent exploring the water, trails, or mountains create some of life’s best memories. Bailey Howes provides comprehensive protection for yachts, boats, snowmobiles, Jet Skis, golf carts, and more to help make sure you’re well covered while out adventuring. If an accident or injury occurs, whether on water, on land, in transit, or in storage, our focus is getting you back to what you love, quickly and smoothly.

Your Investment Properties

Whether you’re purchasing your first rental property or managing a large real estate portfolio across multiple LLCs or trusts, Bailey Howes offers tailored coverage designed to protect you from the unique financial and liability risks of being a landlord and property owner. Beyond providing access to extensive coverage options, our professional advisory team is always available to consult on ways to enhance the resilience of your investment properties and implement preferred safety practices.

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Luxury Collections

Your collections of art, jewelry, wine, or other rare items may serve as an investment vehicle, a way to create a lasting legacy for your heirs or favorite charities, or simply a source of personal enjoyment. Bailey Howes partners with leading insurers to provide robust coverage and expert guidance to help protect these valuable possessions, ensuring that your most treasured assets are preserved and appreciated for generations to come.

Your Business Assets

Whether you launched a start-up, lead a family enterprise, or acquired a company positioned for growth, Bailey Howes helps manage the property and liability risks inherent to business ownership. At every stage, from goal setting and strategy development to long-term succession planning, we provide access to business insurance solutions you require to protect your people, property, and profits, including business owner’s policies, workers’ compensation, cyber insurance, and employment practices liability coverage.