Lisa Doherty

Executives, celebrities, politicians and athletes of California’s golden coast are among Lisa Doherty’s loyal clientele. She has earned her clients’ trust by living up to a guiding principle: “Always deliver what you’ve promised.” That philosophy now drives the entire private client services division at WGB, a business unit that Lisa has been building and growing since 1998. Lisa enjoys developing relationships and solving problems for her clients through a collaborative working style that has made her a key advisor for many successful individuals and families. She takes a holistic approach to helping clients complete their financial picture by protecting their assets. She does so by working alongside their other advisors, including wealth managers, financial advisors, private bankers, trust and estate planning attorneys, custom home builders and luxury realtors to ensure that clients have no coverage gaps. Clients in areas from Silicon Valley to San Diego trust Lisa to insure their expansive luxury estates, their multimillion-dollar jewelry collections and their fine auto fleets. Outside of California, Lisa has earned the trust of clients across the nation and abroad. By studying each client’s unique needs, she is able to recommend risk mitigation strategies that perform well in both domestic and international insurance markets. She has earned the Certified Advisor of Personal Insurance (CAPI) professional designation, which qualifies her to advise highly successful clients with complex risk management needs. The CAPI program was created by the Aresty Institute of Executive Education at the Wharton School, in conjunction with the Chubb Group of Insurance Companies. Lisa was one of 40 brokers selected for the inaugural class. Lisa is also a member of Provisors executive peer network.
Find me on:

Recent Posts

California Homeowners Insurance Availability is reaching a crisis – How you can have Peace of Mind

Posted by Lisa Doherty on Jan 21, 2019 1:00:00 PM


2017 and 2018 hold the record for the costliest fire claim losses in the history of the State. Devastating wildfires, mudslides and losses due to water damage from failing pipes in homes.Insurance carriers are starting to take drastic measures and this could affect you significantly. What does this mean?

  • Premiums are on the rise state-wide, especially in high hazard areas.
  • Some insurers are refusing to renew policies for people in fire or mudslide danger areas. An estimated 3.6 million California homes are in what’s called the wildlife urban interface, and of those, over 1 million homes are at high or very high risk of fire.
  • New home policies are increasingly difficult to secure in fire or mudslide danger areas. Parts of the state are being reclassified from safe to high-risk.
  • Many victims discovered they were underinsured.

The good news about rates is that historically the Department of Insurance hasn’t allowed huge rate increases all at once. But you can expect to see rates increasing year after year. This will be the new norm in California Homeowners Insurance. Some insurance companies have also instituted additional rate surcharges for fire danger areas. That can really have an impact on pricing.


What can you do?

  • Pay your premium on time and consider setting up EFT or recurring credit card payment. If you miss a payment, insurance companies can elect not to reinstate your policy and you may find it even harder to find replacement coverage.
  • Don’t have a knee-jerk reaction to a marginal rate increase.
  • Speak to your trusted advisor about your property to determine if the hazard zones affect you.
  • Understand your policy and make sure you have sufficient limits to fully rebuild your home in the event of a total loss.
  • Most importantly, engage with an Advisor with experience and many relationships with top insurers who can offer a broad spectrum of the market.

As Californians, we are all in this together and you can have peace of mind with the proper insurance protection.

Read More

Topics: Insurance, Homeowners, wildfires

Wood Gutmann & Bogart Insurance Brokers is California's premier, full-service regional insurance brokerage. We provide a complete range of commercial, personal and employee benefits insurance products and services. We are proud to be ranked among the Top 100 Independent Insurance Agencies by Insurance Journal and one of the Best Places to Work by the Orange County Business Journal.

Subscribe to Email Updates


Recent Posts