This is your Iris Moment. A private, narrated read of your household coverage program as it stands today.
Readiness today58/ 100
Your moment
Watch your moment.
Two minutes and twenty-eight seconds. Iris walks the entire household program.
2:28·Narrated by Iris · Sulafat voice
Documented premiums
$18,759
6 of 12 on dec pages
Documented MIV
$40.6M
Across 12 in-force instruments
Program-wide capital at risk
~$66M
Documented $40.6M MIV plus estimated River Reach, auto, articles, and the ~$10.5M Naples flood gap
Household
The Mullen Family
Advised by
Sean Conrad, CEO · Paul Motekaitis, Chairman & PA
Broker of record
Acrisure Southeast Partners
Soteria Collective, LLC · Insurance Intelligence
Readiness
Where you stand today.
Six domains, one household score. Fifty-eight sits in the Red band — up from 51 in v1, held down by the one uncovered catastrophe exposure.
58/ 100
Red band · up from v1
51 → 58
+7
Property · rebuild adequacyAmber
Liability · excess adequacyAmber
Contents & valuablesAmber
Catastrophe · flood / windRed
Named insured / entityAmber
DocumentationAmber
Critical Findings
Three things need attention now.
Tap any finding to see the detail, exposure, and the specific move that closes it.
Critical · C-101 ⌄
Naples excess flood is uncovered — the quote expired.
The only flood document on file for the Naples primary at 3110 Gin Ln is a Neptune quote dated 7 May 2025 that lapsed under its own 60-day window. Coverage A is $10.74M; above the NFIP $250K cap the flood gap-to-rebuild is roughly $10.5M. The single highest-severity finding in the program.
Flood gap-to-rebuild
~$10.5M
Priority
Bind at once
What we see. The Neptune Flood submission (quote FL5127APGK2WOP) dated 7 May 2025 was a non-binding quote with a 60-day validity. It sought $1M excess building and $400K excess contents above the NFIP maximums at $29,944.95/yr, and was never bound. There is no evidence of a bound excess-flood policy.
Why it matters. 3110 Gin Ln sits in FEMA Flood Zone AE (elevation certificate 9.0 ft). NFIP caps residential building coverage at $250K — about 2.5% of the $10.74M rebuild limit. If NFIP alone is in force, the flood gap-to-rebuild is approximately $10.5M; if NFIP is not in force, the entire dwelling is exposed.
The move. Bind a $2M–$5M excess-of-NFIP or private Difference-in-Conditions layer (Neptune or Wright) immediately, and confirm primary NFIP ($250K dwelling / $100K contents) is in force at the same time. Critical finding C-1, ahead of every other recommendation.
Critical · C-202 ⌄
Cyber sublimits are one-quarter of the stated aggregate.
The Coalition family-office binder shows a $1M aggregate, but the highest-frequency fraud vectors — funds-transfer fraud, social engineering, impersonation, proof-of-loss — sit at a $250K sublimit. As much as $750K of nominal coverage will not respond the way the headline aggregate implies.
Headline aggregate
$1M
Fraud-vector ceiling
$250K
What we see. The Mullen Family Office cyber is a Coalition-fronted panel binder (Arch, Aspen, Fireman's Fund, Fortegra, Vantage), $1M aggregate, eleven endorsements. Network security, regulatory defense, PCI, and media liability carry the full $1M — but funds-transfer fraud, social engineering, service fraud, impersonation repair, proof-of-loss, and the property/pollution and third-party BI/PD endorsements cap at $250K.
Why it matters. For a family office that moves substantial daily wire volume, the vectors most likely to produce a loss — a fraudulent wire, a social-engineering scheme — are the ones capped at a quarter of the aggregate. This is a binder, not a full policy contract, so the controlling language must be confirmed once the policy issues.
The move. Re-quote a form carrying a uniform $1M across the fraud vectors — Coalition Executive, Chubb Cyber Enterprise Risk, or Beazley Breach Response — or negotiate the sublimits up on the current placement. Critical finding C-2.
Advisory · A-103 ⌄
The $15M umbrella is light for the profile.
The PURE excess liability policy (EX210892708) provides $15M and schedules all six residences, but comparable high-net-worth households routinely carry $25–50M given six homes, four watercraft, a 71-ft yacht, and family-office activity. Not urgent, but under-limits.
Current limit
$15M excess
HNW benchmark
$25–50M
What we see. The PURE excess (EX210892708, Edward & Susanne Mullen) is the top of the household liability tower at $15M, with excess UM/UIM of only $1M. It correctly schedules all six residences.
Why it matters. Six residences, a marine fleet, and a family office create real litigation surface. The marginal cost of layering $10M–$25M above the current $15M is typically a few thousand dollars per $5M. The $1M excess UM/UIM is a specific thin spot for underinsured-motorist injury claims (S-5).
The move. Layer the umbrella from $15M toward the $25–50M benchmark, and raise excess UM/UIM toward $5M–$10M once the missing auto policy set is obtained. Advisory A-1; execute at the coming renewal.
Full assessment available in the download bundle.
Program Economics
Twelve instruments. One program.
Twelve in-force instruments across PURE, AIG, and a Coalition cyber panel, plus one expired flood quote. Tap any line for the detail.
Documented premiums
$18,759
6 of 12 on dec pages
Documented MIV
$40.6M
12 in-force instruments
Program-wide capital at risk
~$66M
Documented $40.6M MIV plus estimated River Reach, auto, articles, and the ~$10.5M Naples flood gap
PolicyAnnual
Trajectory
Fifty-eight today, Red band.
The composite rose from 51 in v1 to 58 in v2. The assessment states it moves materially once the Naples flood layer binds but publishes no projected number; the curves below are directional only.
Three moves
Immediate · 0–30 days · C-1Lifts Red pillar
Bind excess flood at Naples Gin Ln
Immediate · 0–30 days · C-2Restores ~$750K
Raise cyber sublimits to a uniform $1M
Structural · 90+ days · A-1$15M → $25–50M
Layer the umbrella from $15M toward $25–50M
Tap any move to see the scope and readiness impact.
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Iris is Soteria's proprietary blend of the world's best frontier AI tools paired with a best-in-class human intelligence layer. This moment is informational. Soteria Collective, LLC is not a licensed insurance producer, broker, or agent. Coverage decisions should be made with the member's licensed broker of record.