Better Risks. Better Insurance
Latitude Private Client is built around insuring exceptional homes in carefully selected communities.
We seek to insure homes in communities where homeowners take pride in their properties, actively protect what they’ve built, and share our commitment to understanding and managing risk.
We look for that same commitment at the community level where investments in wildfire mitigation, fuels reduction, resilient infrastructure, and technology that helps identify and reduce risk. We combine local knowledge, disciplined underwriting, a deep understanding of wildfire mitigation, and sophisticated intelligence to look beyond an address or a score.
We know the communities we insure.
From wildfire and winter weather to remote access and complex construction, mountain homes present risks that don’t fit neatly into traditional underwriting models. Latitude was built around understanding them.
We take a disciplined approach to underwriting by selecting exceptional homes, engaged homeowners, resilient communities, and trusted distribution partners.
The result is a stronger, more sustainable portfolio that benefits homeowners, our partners, and the communities we serve.
Our Approach
We look beyond the value of a home.
How a home is built, maintained, and protected matters. We work with homeowners who take their homes and their risk seriously.
The Home
Quality construction. Thoughtful maintenance. Protective systems. Pride of ownership.
The Homeowner
Engaged homeowners who understand that protecting a home is an ongoing responsibility.
The Community
Communities that invest in wildfire mitigation, emergency response, infrastructure, and long-term resilience.
Our Partners
Experienced insurance professionals who know their communities, understand their clients, and share our commitment to thoughtful risk selection.
The Risk
We bring it all together: better data, local knowledge, mitigation, and underwriting to understand each risk individually, not simply by its ZIP code or a score.
Better understanding leads to better underwriting.
Wildfire and other complex property risks can’t be understood through an address or a score alone. We combine sophisticated risk intelligence with local knowledge, meaningful mitigation standards, and experienced underwriting judgment to understand the individual home and the community around it.
Better data. Better mitigation. Informed underwriting.
We’re not underwriting the mountains from somewhere else.
Our roots are here. Our people are here. Our understanding of these communities informs every risk we write.
Pride of Ownership
Homes maintained to the highest standards.
Risk Mitigation
A proactive commitment to defensible space and fire-resistant construction.
Protective Technology
Integration of monitored suppression, detection, and other systems designed to reduce risks.
What We Insure
Coverage that starts with understanding the risk.
We specialize in homeowners coverage for exceptional homes in carefully selected communities.
Primary Homes
Coverage designed around the home you live in.
Second Homes
Protection designed for the realities of seasonal ownership, with appropriate alarms, and verified local management.
Condominiums
Coverage for high-value residences in carefully selected communities.
Homes Under Construction
Our Course of Construction Endorsement offers specialized protection from groundbreaking through completion and for major renovations.
We insure homes with Total Insured Values (TIV) between $1,000,000 and $15,000,000, delivering specialized coverage for complex residential exposures.”
Better underwriting. Thoughtful selection. Sustainable insurance.
Leadership
Clifford Hansen
Clifford is also the Founder and Principal of Latitude Insurance, an independent insurance agency built around highly personalized service for clients whose risks require a more specialized approach. Together with his fellow principals, Clifford has grown Latitude by staying close to its clients and the communities it serves. Today, the agency operates across seven offices, including Telluride, Aspen, Big Sky, Bozeman, Denver, and Jackson Hole. That experience has given Clifford a firsthand understanding of the challenges facing clients, brokers, and insurers in complex property markets.
Clifford founded Latitude Private Client from that experience, and a belief that high-value properties and well-managed risks deserve a more thoughtful approach to insurance. Through careful risk selection, meaningful mitigation, and a deeper understanding of the properties and communities it serves, Latitude Private Client is building a more sustainable approach to complex property insurance.
Joe Mack
Joe brings 30+ years of deep underwriting leadership in the High-Net-Worth market. He recently led AIG’s $1.6B admitted and non-admitted personal lines portfolios, where his remediation strategy materially improved profitability and reduced catastrophe volatility.
In 2023, he led AIG’s Private Client Group through its transition to an independent MGA; the same model he now helps build at Latitude. He has also held underwriting and product leadership roles at QBE and Travelers.
Jim Boos
Jim brings more than 30 years of experience in insurance and strategic finance. He previously held senior finance roles at Private Client Select and AIG’s Private Client Group, where he helped lead the financial work behind the $1.5 billion spinout of that business to Stone Point Capital which is the same model of HNW business he now helps build at Latitude. Jim also worked at Willis in London and brings deep expertise in MGA and carrier partnerships and underwriting economics.
Our Footprint
We offer coverage in the following states:
