Risk management, correctly sized.
A private-client practice for families whose lives have outgrown ordinary coverage — built around what you own, and kept sized as that changes. We hold the long view on your behalf.
Risk doesn’t fit a standard form.
You have spent years building something worth protecting. The homes, the boats, the art, the businesses, the people who depend on you — they don’t fit a standard form, and they shouldn’t be covered by one.
Celadon Private Client is an independent practice. We are not captive to any one carrier, so we can be honest about which path actually fits your life rather than which one we’re paid to sell. We start with a clear picture of what you own and what it would take to make you whole, then we build the coverage to match — no more, no less.
We expect to be introduced rather than found, and the relationship is meant to last decades, not renewals.
You’ve moved beyond ordinary coverage. So have we.
- 01
We’re independent.
We don’t work for a carrier; we work for you. That means we can tell you plainly which path actually fits, not which one pays us best.
- 02
We size coverage to what you own — and keep it sized.
Your exposure changes as your life does. We hold the long view so a policy written three years ago still fits the assets you have today.
- 03
We’re the same call at claim time.
The relationship doesn’t end when the policy binds. When something happens, you reach the person who placed it.
A disciplined process, not a product pitch
Every engagement runs the same path — understand your world first, then place and steward the coverage around it. The practice areas come after; they are the parts of the picture, not the starting point.
- 01
Preliminary Risk Review
We start by mapping what you own and what it would take to make you whole — unhurried, held in confidence, and committing you to nothing.
- 02
Your narrative
We turn the review into a clear picture of your world and its exposures — in language your attorney and accountant can act on.
- 03
Underwriting & due diligence
We take that picture to the right markets on your behalf — admitted, surplus, or specialist — and structure terms to the real risk, not a default form.
What we cover
Each line starts with the risk, not the product. Open any one to see how we approach it.
Agreed-value coverage for collector automobiles, and a personal umbrella sized to your whole estate — with no seam between it and the policies beneath it.
Explore Auto & UmbrellaWorldwide, agreed-value coverage for valuables a home policy caps and depreciates — scheduled for the significant pieces, blanketed for the working collection.
Explore Fine Art, Jewelry & CollectionsIncome protection and family coverage, alongside the key-person and funded buy-sell that keep a family business intact through a succession.
Explore Life & HealthBlanket marine — hull, liability, and navigation set to your actual itinerary, not a default radius — plus aircraft placed with the thin pool of carriers who do this work seriously.
Explore Marine & AviationHomes insured to replacement reality, with your flood, wind, and hurricane deductibles placed between the private market, surplus lines, and Citizens — sized to the property, not a default.
Explore Personal PropertyFor families whose affairs have a staff — or should. We work alongside the family office, the attorney, and the CPA as the risk seat at the table: one picture of every entity, property, and policy, kept current as the family changes. Reviews run on a generational clock rather than a renewal cycle, and when a loss happens, the claim is ours to run — quietly, until it's paid.
Explore Family Offices
The risks families prefer to handle quietly
Wealth carries exposures no home or auto policy contemplates. We build coverage for the ones families prefer to handle quietly.
Cyber & data security
Family accounts, house systems, and the staff who use them are targets. Coverage and protocols for fraud, intrusion, and extortion.
Travel & crisis response
Medical evacuation, secure travel, and a plan for the day something goes wrong far from home.
Kidnap & ransom
Rare and real — and never discussed after the fact. Placed discreetly, with response resources attached.
Public profile & social media
Liability that follows a family name: defamation, harassment, reputational attack. Covered before it's tested.
Board & fiduciary roles
Seats on boards, foundations, and family entities carry personal liability. We size directors' and fiduciary cover to the roles you actually hold.
Trust & estate risk advisory
Trusts, estates, and the assets held inside them carry risk the underlying policies rarely name. We review how the structure holds and place cover that answers to it.
Working land is part of many family balance sheets.
Stables, farms, and ranch operations are commercial coverage with a private-client conversation — our commercial practice places them, and we keep both sides in one picture.
Equestrian & Farm (Celadon Commercial)
Andrew O'Neill
Before Celadon, I led commercial asset protection and enterprise risk for a fifty-year-old agency, advising families and business owners on the risk most people never see until it arrives. I started this practice to do that work the way I believe it should be done: independent, unhurried, and held in strict confidence.
Most of the families we serve also run something.
Our commercial practice brings the same risk-first read to the company — property, liability, and the exposures leadership carries — so the business and the balance sheet sit with one team.
Begin with a private conversation
A no-obligation conversation about your family and what protecting it actually requires. Everything you share is held in strict confidence.
Schedule a conversation