Rexford Insurance Solutions
We advise families and business owners on legacy planning, real estate, and complex commercial risk — coordinated, proactive, and built around you.
For those with $10M–$100M at stake. Legacy. Real estate. Business risk. One firm.
That's what we do. Educate. Advise. Insure.
What We Do
Rexford works alongside business owners, healthcare operators, families, and real estate investors — aligning insurance and risk management with the way you actually operate.
Our clients come through family offices, CPAs, attorneys, and wealth managers who already have the relationship. We collaborate with the team and enjoy bringing the different pieces of the puzzle together.
Beyond insurance, our team brings 20 years of operating experience inside complex businesses across real estate, investment banking, family offices, and business development. Risk management was never optional. It was part of the job every single day.
We don't just place policies.
We advise on risk.
That's what we do. Educate. Advise. Insure.
Our Mission
"Most families don't get the inheritance conversation wrong because they don't care. They get it wrong because nobody ever walked them through it."
That's what we do. We educate.
We roll up our sleeves. Rexford works alongside business owners, healthcare operators, families, and real estate investors — aligning insurance and risk management with the way you actually operate.
Our clients come through family offices, CPAs, attorneys, and wealth managers who already have the relationship. We collaborate with the team and enjoy bringing the different pieces of the puzzle together.
Beyond insurance, our team brings 20 years of operating experience inside complex businesses across real estate, investment banking, family offices, and business development. Risk management was never optional. It was part of the job every single day.
We don't just place policies. We advise on risk.
Legacy Planning
Most families spend decades building wealth. A business. Real estate. Investments. And then never have the one conversation that determines whether any of it survives the next generation.
The policy was placed 15 years ago by someone who moved on. The estate grew. The coverage didn't. Nobody noticed until it was too late. Assets get divided the wrong way. Siblings stop speaking. What took one generation to build gets spent fighting over in the next.
Solution
We start with education. Before anything gets placed, we sit down and walk through what you've built, what's actually at risk, and what it takes to transfer it the way you intend. The insurance piece is the cherry on top.
Your estate has grown. New assets, new structures, new family dynamics. But your coverage looks exactly like it did when you first signed. That gap is where wealth transfer breaks down.
Solution
We rebuild around the estate you have today. Whole life and term coverage that reflects your current situation. Buy-sell agreements and key executive coverage for the business. Annuities structured around the long-term wealth transfer plan.
Your CPA, your estate attorney, your wealth manager — they each have a piece of the picture. But if nobody has sat down with all three and aligned the insurance around the full plan, there are gaps nobody knows about.
Solution
We collaborate with your CPA, attorney, and wealth manager to make sure every piece of the plan is aligned. We don't replace the advisor. We make the advisor look thorough. For families with special needs beneficiaries or foreign nationals in the estate, we know exactly where to go.
Client Reviews
"Jonathan is amazing! He is patient, thoughtful and honest. If anyone needs insurance — he's your guy!"
Jonathan Hoenig
Google Review
"Incredible service. Trusted advice. Thorough analysis. Super responsive and patient with rounds of questions."
Douglas Schiller
Local Guide · Google Review
"Jonathan at Rexford Insurance Solutions provided excellent guidance for my life insurance. Professional, clear, and trustworthy. Highly recommended."
Rachel Victor
Google Review
"Very honest, knowledgeable, and was able to explain everything clearly. A wonderful experience from start to finish."
John Partouche
Google Review
Risk Advisory & Commercial P&C
Rexford advises middle-market owners and operators on complex, hard to place commercial property and casualty risk. We work primarily with businesses between $10M and $100M across real estate, healthcare, and operating companies.
Having a policy and being covered are two different things. Most business owners find out the difference at claim time. "I'm covered" is not a risk management strategy.
Solution
We offer a complimentary audit. No obligation. Just a fresh set of eyes on what you have. Most of the time we find something. Either way you leave knowing exactly where you stand.
You've grown. New locations. More employees. Different contracts. Higher revenue. But your insurance program looks exactly like it did three years ago. That gap is where claims get denied.
Solution
We rebuild your program around the business you have today. Not a template. Not last year's renewal with a 10% increase. A structure that reflects your actual operations and where you're headed.
Your lender requires it. Your general contractor requires it. Your lease requires it. But does your policy actually satisfy those requirements? Most of the time nobody checks until something goes wrong.
Solution
We review your contractual and lender requirements as part of the program build. Certificates, additional insured endorsements, waiver of subrogation — handled before it becomes a problem.
You've had claims. Now your renewal comes back higher every year and nobody can explain why in a way that makes sense. The carrier is reacting to your loss history. But nobody is helping you fix it.
Solution
We go upstream. Loss history analysis, safety practice review, claims frequency patterns — we identify what's driving the cost and build a strategy to reduce it. Lower frequency and severity means better pricing at renewal.
Nobody wants to open that door. But most of the time people are either overpaying for coverage that doesn't fit, underinsured in ways they don't know about, or both. The question was never whether to switch. The question is whether what you have is actually working for you.
Solution
We don't come in to replace your broker. We come in to give you a second opinion. No pressure. No obligation. Just the truth about where you stand.
Your industry is complicated. Your property has a history. You've been declined or you're paying rates that don't make sense. Most brokers stop there. They don't know where to go and they don't tell you that.
Solution
Hard to place is where we want to be. Across personal and commercial lines, we work with specialty markets and non-admitted carriers. Declined applications, complex properties, high-risk industries, umbrella needs. Bring it to us.
Good. Keep them. But here's the question nobody asks. When was the last time someone actually looked at what you have? Not to renew it. Not to collect a premium. But to sit down, read the policy, and tell you the truth about whether it still makes sense for the business you're running today. Having a broker and being covered are two different things.
Solution
Keep your broker. Keep your policy. Just let us take a look. We come in as a risk management layer — evaluating exposures, loss history, safety practices, and insurance structure. Most brokers don't do this. Not because they can't. Because it's not what they're paid to do. Your broker places the policy. We make sure it holds up.
Most business owners are running the business. They're not reading every policy endorsement, tracking every certificate of insurance, reviewing every loss run, or auditing every contractual risk transfer requirement buried in a vendor agreement. Nobody is. That's exactly where exposure lives. In the location added two years ago never properly scheduled. In the employee classification that's been wrong since day one. In the contract that requires an endorsement nobody added. You don't know what you don't know. That's not a weakness. That's just business.
Solution
That's why we start with an audit. We go inside the operation. We look at exposures, loss history, safety practices, contractual requirements, and insurance structure. We find what's been missed. We tell you the truth about where you stand. Most business owners are surprised by what we find.
Our Approach
We work alongside ownership and operations to evaluate exposures, loss history, safety practices, contractual risk transfer, and insurance structure. From there we build coordinated strategies that lower the frequency and severity of claims while improving cost efficiency and business continuity.
We offer a complimentary risk audit. No obligation. Just a fresh set of eyes on what you have.
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We're happy to be a resource. Whether it's a legacy planning question, a hard to place risk, or a client situation that needs a second opinion — reach out.