Private Risk Advisory · Est. 2007
Risk is not a probability. It is a structural challenge — one that demands architecture, not compromise.
"True security is not a product you purchase. It is a structure you build — one that is meticulous in its mapping, global in its reach, and absolute in its refusal to accept the ordinary."
Since 2007, KIB has operated as a Private Risk Office for a discerning circle of high-net-worth individuals, family offices, and institutions. We do not function as a conventional insurance intermediary. Our role is strategic: we identify vulnerabilities before they become crises, design bespoke risk architectures, and place coverage with the most capable markets in the world.
Our clients do not come to us with a policy number. They come to us with complexity — trophy properties spanning multiple jurisdictions, vessel fleets requiring Lloyd's-market access, collections of cultural significance, and corporate structures that demand executive-level liability intelligence. We respond with precision.
Every engagement begins with a Technical Risk Audit — a comprehensive mapping of exposure across all asset classes. From this blueprint, we engineer a protection structure that is coherent, efficient, and built to endure.
A thorough audit of every asset, liability, and exposure point before a single clause is considered.
Direct access to Lloyd's of London, international reinsurance markets, and specialist underwriters.
Client identity and portfolio details are protected with the same rigour we apply to risk itself.
No standard solutions. Every structure is engineered specifically for the client's profile and objectives.
KIB is not a platform. It is not a network of account managers rotating through a client file. Every engagement is led, structured, and personally overseen by the same individual — from the initial risk audit to the moment a claim is settled.
That is not a service model. It is a conviction.
With nineteen years of practice across health, commercial, special risks, and — over the past seven — marine and yachting, Harris has built a practice that operates at a level of technical depth and personal commitment rarely found in the advisory market.
His career has been shaped by independent practice: sixteen years of direct engagement with both domestic and international clients, building bespoke risk structures without the constraints of a captive distribution model. That independence is not incidental — it is the foundation of every recommendation he makes.
A member of the Hellenic Association of Insurance Intermediaries (ΕΕΑ), Harris operates in Greek and English, advising clients across Greece, the broader Mediterranean, and international markets where the complexity of the mandate demands it.
"The value of insurance is not the policy. It is who stands beside you when the moment comes that you truly need it."
Our advisory practice spans eight distinct domains, each requiring a level of technical authority that the conventional market cannot offer. We have cultivated that authority deliberately, over nearly two decades, to serve clients whose exposure demands nothing less.
International health structures engineered for families and principals operating across borders. High-limit, multi-jurisdiction coverage with access to Tier-1 medical facilities worldwide — because continuity is non-negotiable.
Strategic protection for trophy real estate, industrial infrastructure, and complex property portfolios. We apply rigorous technical risk modelling to ensure that valuation, coverage basis, and claims response meet the standard your assets deserve.
Comprehensive protection for exotic fleets, investment-grade collector vehicles, and high-performance collections. Agreed-value policies, international touring cover, and specialist claims handling from underwriters who understand the difference between a car and a legacy.
Wealth preservation structures and financial continuity programmes designed for generational liquidity. We bridge the gap between risk advisory and financial architecture, ensuring capital is protected with the same precision applied to physical assets.
Executive-level Directors & Officers coverage and bespoke professional indemnity for individuals navigating complex corporate exposure. We operate at the intersection of risk and governance, where the stakes are personal and the consequences are permanent.
Technical risk auditing and direct reinsurance access for solar, wind, and thermal energy infrastructure. As the energy transition accelerates, the risk landscape evolves in kind. We stay ahead of it so our clients never fall behind.
Wall-to-wall protection for institutional galleries, private collections, and works of significant cultural value. From transit and storage to exhibition risk and title disputes, our coverage structures are as considered as the collections they protect.
Bespoke security frameworks for haute horlogerie, high-jewellery, and collectible assets of intrinsic worth. We work with specialist underwriters who understand that a Patek Philippe and a gold bracelet are not the same insurance problem.
High-net-worth individuals and family offices are among the most targeted — and least protected — entities in the cyber threat landscape. We design personal and institutional cyber programmes that address the full exposure: ransomware, social engineering, privacy liability, and the protection of digital wealth.
We publish no names and reveal no identities. What we can share is the nature of the challenges we have solved — and the outcomes we have delivered. These are not marketing constructs. They are representative engagements, presented in anonymised form, that illustrate the depth of our practice.
A prominent family office held a mixed fleet of three vessels across different registrations and markets. Coverage was fragmented, with significant gaps in liability architecture and no coherent claims management protocol. We conducted a full marine audit, unified the placement under a single Lloyd's syndicate, and redesigned the liability structure to reflect the actual exposure profile of the fleet in use.
A private collector with residences in three countries and a significant art collection distributed across them faced compounding exposure from underinsurance, currency mismatch, and conflicting policy terms. We restructured the entire portfolio under a single integrated programme, valued by specialist appraisers, with agreed-value terms on every asset.
A senior executive joining the board of a multinational group with operations in six jurisdictions required a D&O structure that reflected the regulatory complexity of each market. Existing coverage was generic and wholly insufficient. We designed a layered programme with jurisdiction-specific endorsements and a dedicated run-off provision.
The maritime domain is a closed circle. Access to the global marine market — its specialist underwriters, its Lloyd's syndicates, its claims protocols — requires a depth of technical knowledge that most brokers do not possess. KIB does.
We provide a bridge to that market, serving yacht owners, fleet operators, and shipping interests who require coverage that matches the complexity of their exposure. Our marine practice is not a peripheral offering — it is one of our founding disciplines, built over eighteen years of direct market engagement.
Initiate a Marine AuditAgreed-value hull insurance for sailing yachts, motor yachts, and superyachts, placed with Lloyd's and specialist marine markets.
Third-party liability coverage through P&I Clubs and open-market facilities, calibrated to actual navigation profile and crewing arrangements.
Business interruption structures for commercial charter operations, designed to protect income during repair periods and off-hire scenarios.
Comprehensive crew coverage, including personal accident, medical expenses, repatriation, and employer's liability for flag-state compliance.
The threat landscape has shifted. The most sophisticated attacks in the world today are no longer directed at anonymous consumers or enterprise networks — they are precision instruments aimed at high-net-worth individuals and family offices: people with substantial liquid assets, complex digital footprints, and trusted professional relationships that can be exploited through deception.
Ransomware, AI-powered deepfake fraud, social engineering wire transfers, smart home network intrusions, and the dark-web exposure of private financial data are not hypothetical risks for our clients. They are documented incidents that occur within this precise demographic with growing frequency and severity. According to current market intelligence, clients with net worth exceeding €50 million have experienced a significant rise in targeted cyber claim severity — not because their defences are weaker, but because the reward justifies the sophistication of the attack.
Standard homeowners' policies and commercial cyber endorsements are designed for a different risk profile entirely. They do not respond adequately to the exposure profile of a principal who manages multiple properties, employs household staff, maintains significant online financial activity, and whose family members — including children and elderly relatives — represent additional points of vulnerability.
Request a Cyber Risk AssessmentDirect financial loss coverage for AI-powered phishing, deepfake impersonation of advisors or family members, and fraudulent wire transfer instructions — the fastest-growing vector of high-value personal loss.
Incident response, ransom negotiation specialists, and financial recovery for ransomware events targeting personal devices, smart home systems, private servers, and household networks. Coverage includes digital asset restoration.
Crisis communications, legal defence, and regulatory response for privacy breaches involving personal data — including the exposure of financial records, private correspondence, or sensitive family information on the dark web.
Extended protection encompassing the entire household structure — family members, employed staff, and the connected devices through which each of them accesses shared networks and financial systems. Limits of up to €5 million available through specialist markets.
Regulatory convergence, shareholder activism, and the increasing personalisation of corporate liability are creating a D&O risk environment that is structurally different from the one that existed a decade ago. Most executives are not covered for the environment they actually inhabit.
Off-the-shelf yacht insurance often contains coverage exclusions that owners discover only at the point of claim. We identify the five most common structural gaps — and how to close them.
The valuation basis of an art insurance policy is not a technicality — it is the difference between full recovery and a contested shortfall. Here is why agreed value is the only acceptable standard for serious collectors.
The assumption that cyber risk belongs to the corporate world is one of the most expensive misconceptions in private wealth management. The anatomy of a targeted HNWI attack — and why standard coverage fails at the moment it is needed most.
Our office operates on a referral and direct enquiry basis. We do not solicit, we do not advertise to the general market, and we do not accept every mandate offered. If you believe your situation warrants the depth of our practice, we invite you to make contact.
All initial consultations are conducted under strict confidentiality. Information shared at the enquiry stage will not be disclosed to any third party under any circumstance.