Business

Insured Nomads: Disrupting the Digital Nomad and Expat Insurance Industry

Published

4 years ago

January 20, 2021

Insured Nomads is the first insurtech in global benefits that offers a full portfolio of insurance solutions for international travelers, including international health, life and disability, and travel insurance. The company distinctively utilizes innovative technology that contributes to an easy and efficient customer experience.

Serving clients around the world, with numerous customer service points, Insured Nomads operates a lean and agile enterprise with strategic global partners. The company is the brainchild of Andrew Jernigan, an insurtech pioneer who is seeking to disrupt the insurance industry with innovative and out-of-the-box solutions for insurance.

Jernigan is an innovator who has created a revolutionary product to help people have access to diverse services that enhance their digital nomad life. Andrew shares his reason for coming up with the inventive solutions that can be accessed by means of Insured Nomads.

He says “at heart, I’m a protector. I see myself as a justice-fighter working to right the wrongs. Many times, insurance is too complicated, not easy to follow and often unused or forgotten and that just isn’t right. The industry has not seen tech-enabled solutions presented and that is not fair to the consumer. We can provide better so we will.”

Andrew added that his passion came forth from the desire to create products that are easier to use, with more robust benefits, and features that bring value when someone doesn’t get sick or injured on an insurance policy. It has evolved from the desire to give more to the remote worker and expat.

He stated “We are the first insurtech in this space which gives us the drive to continuously innovate as the workforce changes in the years ahead. Cyber risk, professional liability and other riders will be crucial as the world of work changes.”

Insured Nomads have seized an opportunity that is evident as a result of an increase in the world of remote work. A comprehensive product like that offered by the company can have tremendous influence on the future of insurance, especially global products like travel and medical insurance.

Currently, insurance, whether travel, medical or global health insurance for remote workers, digital nomads, traveler and even expatriates are mundane and uninspiring. Many offer medical-only protection with less than stellar service.

Insured Nomads seeks to disrupt the convention. They believe it’s time to do more. They aim to offer relevant and reliable customer service, convenient services and cybersecurity benefits.

“We have personal safety and security operatives who are ready to respond. Our product includes robust medical delivery through a tech-enabled global payment system. We consider it a fully implemented safety system for global digital life.”

As the digital nomad culture continues to evolve, we know that challenges will continue to arise. Insured Nomads, aims to address these head-on with viable solutions. Millions of people have taken to the skies to find a new way of working. Traveling to new locations and laying down routes all over the world. Because of this, they will be more susceptible to cybercrime.

“We believe that an all-out collaborative effort must be made to educate and equip the workforce to use malware protection, run regular antivirus scans and utilize a VPN. Changing the mindset so that the behavior changes is crucial. As our company continues to grow at Insured Nomads, one of our key solutions to make difference and help to protect our consumer is through the provision of a full suite of cybersecurity benefits with our long-term policies.”

Insured Nomads with its top insurtech leader at the wheel, plans to continue to offer ingenious and unconventional solutions that will benefit its global client base for years to come.

Business

Private Listings by Harold X. Clarke: A New Approach to Fine Real Estate

Published

6 days ago

December 16, 2024

Matthew Wiles

Photo credit: Private Listings by Harold X. Clarke.

Byline: Andi Stark

Private Listings by Harold X. Clarke, a real estate platform operating across Hawaii, is rewriting how properties are bought and sold in the region. Unlike larger firms reliant on public listings and mass marketing, Private Listings’ strategy prioritizes personalization, privacy, and meticulous curation of ultra-high-end, off-market properties, including oceanfront estates, gated community residences, and architectural masterpieces.

Harold Clarke, founder of Private Listings, describes their method as one that rejects “cookie-cutter solutions in favor of understanding the nuances of both buyers and sellers.” This approach has resonated with ultra-high-net-worth individuals (UHNWIs) seeking refined and discreet real estate transactions.

The Hawaiian real estate market remains a hub for global investors, with the median price for a single-family home in the state reaching $900,000 in 2024, according to the Hawaii Association of Realtors. Within this competitive landscape, Private Listings is building up to be a trusted name for properties that extend beyond luxury into generational investments.

Challenging the Industry Norms

Private Listings deliberately avoids the conventions of large-scale real estate firms. By focusing on fewer, higher-value properties, the company ensures that each transaction is treated with the same level of care and confidentiality.

Public listing platforms, while effective for broader markets, often expose sellers to unnecessary attention or unqualified inquiries. For Clarke, this model is misaligned with the needs of UHNWIs. “Privacy isn’t a luxury for our clients—it’s a necessity,” Clarke explains.

This philosophy has led Private Listings to handle some of Hawaii’s most significant real estate transactions, including off-market properties valued at over $40 million. Its success is not measured by the volume of listings but by the depth of trust built with clients, many of whom return for subsequent transactions.

Adapting to Changing Client Demands

While Private Listings maintains a foundation of traditional practices, the firm also recognizes the evolving needs of its clientele. The global real estate market is increasingly influenced by concerns over digital security, with a 15% rise in data breaches targeting high-net-worth individuals in the past three years, according to cybersecurity firm NortonLifeLock.

To address these risks, Private Listings employs rigorous screening for potential buyers and uses secure platforms for communication and transactions. The firm’s “by invitation only” model ensures that clients remain protected from the pitfalls of public exposure. Clarke notes, “Our goal is not just to sell homes but to create an environment where clients feel safe and confident during every step of the process.”

The Human Element in Real Estate Transactions

Despite advancements in technology, Private Listings firmly believes that real estate transactions cannot be reduced to algorithms or automation. Unlike firms that depend heavily on online data aggregation, Private Listings emphasizes human connection and insight.

The company’s sales strategy integrates personalized client interactions, in-depth market analysis, and years of experience navigating Hawaii’s unique real estate ecosystem. Clarke’s background in managing family assets and his global perspective is significant in shaping this essence.

Future Directions for Private Listings by Harold X. Clarke

As Hawaii continues to attract global attention, Private Listings aims to expand its influence within the state while maintaining its core principles. The company is currently developing a new platform to streamline services for UHNWIs, blending their demand for discretion with seamless access to Hawaii’s finest off-market properties.

Additionally, Private Listings is strengthening its ties with local communities, recognizing that sustainable growth benefits both the company and the islands’ ecosystems.

Private Listings by Harold X. Clarke has set itself apart in Hawaii’s real estate scene by moving away from the typical mass-market approach. Through a mix of traditional values and modern sensibilities, the firm continues to define what it means to transact ultra-high-value properties with integrity and care.