Family Office Liability

Woodruff Sawyer has dedicated specialists who understand trust structures and the services you provide--this is critical to ensuring you’re properly covered.

We’re Your Guide in 
Risk Management

Because of the assets held, legal structures involved, and services provided to the family, your office is not like other organizations. It takes a deep understanding of these concerns and the legal environment to identify the legal entities, professional services, and key policy terms to properly protect you as a family office or public trust company. 

From directors & officers liability, errors & omissions, cyber liability, and more—we’ll shine a light on all these coverages. We’re the bridge between D&O and Private Client services and can help you through the complexities of insuring your organization.

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Reduce Fiduciary Risk, Protect Personal Wealth 
and Family Legacies

Family offices are unique in that each family has different goals and organizational structures. Insurance for a public trust company can likewise be complicated depending on the services provided to their clients. With each structure comes different personal and corporate liability. We’re here to help. 

Do you find yourself wondering these questions? 

  • What services does our office provide to our wealth owners or others (investing, co-investing, offering counsel, etc.) and what does that mean for our risk? 
  • Where might we have unintended liability? 
  • Are there team member roles that have personal liability? 
  • Do we have regulatory exposures? 
  • How do we focus between balance sheet protections and risk mitigation strategies? 
  • When was the last time our family conducted an audit of our personal insurance program? 

Download our full list of questions to think about, and get in touch with our Family Office Group Leader, Judy Pearson, to learn more.

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What's a Public Trust Company?

A public trust company resembles a traditional bank trust department or trust company; the defining factor is that they serve multiple or unrelated families as well as individuals with much less wealth. A public trust company can have either a state charter or a national charter. 

A trust company is a legal entity that acts as a fiduciary, agent, or trustee on behalf of a person or business for a trust. A trust company is typically tasked with the administration, management, and the eventual transfer of assets to beneficiaries. They may also act as a custodian and manage investments. 

It’s important for your insurance professional to understand your trust company’s structure and services in order to customize the appropriate insurance solutions. 

Get more insights about trends and topics impacting trustees, risks trustee face, and more.

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Trustee Liability Insurance for Private Trust Companies

Are you part of a private trust company? Our specially designed insurance program provides coverage for Trustees administering assets of over $5 million that includes: 

  • Liability limits up to $5 million 
  • Cyber liability 
  • Blanket coverage for trusts 
  • Claims-made and -reported liability 
  • Broad definition of trustee duties 
  • Advancement of defense costs 
  • Emotional distress 
  • And much more 

Learn how we can help you mitigate and insure your risk with individual trustee liability coverage.

Our Expertise

  • Individual Trustee Liability

    Specialized trustee liability insurance protects your personal liability as a trustee. Our application process makes getting coverage easy.

  • D&O/ Management Liability

    Safeguarding directors and officers against lawsuits and other liabilities.


  • Private Client

    Protecting what’s important to you, from treasured collections to the legacy you want to leave behind.

  • Cyber

    Quantifying your company’s cyber risks and securing the right coverage for data breaches and other cyber incidents.

  • M&A – Reps and Warranties Insurance

    Using insurance and our deep knowledge of the intricacies of M&A transactions to reduce risks for buyers and sellers.