After 20+ years as an insurance broker in the high net worth industry, I joined my husband to help run his growing construction business. At RT Construction/RainTight Decks, we inspire our customers to bring their dream to life through custom, sustainable, and quality outdoor living spaces from the dock to the door and everything in between. Our headquarters is located in O'Fallon, MO with a second location at The Lake of the Ozarks.Our main offerings include our signature RainTight Underdeck System, Screen Rooms, Patio Covers, Decks, Custom Railing, New Docks/Dock Additions, and Seawall Repair.

As the premier provider of consultative and insurance services for prosperous individuals, our Private Risk Management group excels in the design, implementation and administration of complex private insurance programs. We are dedicated to providing property and liability insurance for affluent individuals and families. Our consultants work exclusively on designing and monitoring individualized asset protection programs for their clients. In our experience, individuals and families with substantial assets require a “Personal Risk Management” approach for protecting their personal assets. We have found that as an individual’s personal assets and property holdings increase, their existing insurance arrangements may not respond to their increasingly sophisticated needs.Our goal is to design a customized personal insurance program, taking into account an individual’s or family’s specific needs and exposures.Whether it is a unique international or commercial exposure that affects our client’s personal assets, Aon can be accessed to provide the seamless insurance protection required. The Aon Private Risk Management program includes, but is not limited to:• Coverage for residential homes, condominiums, apartments and cooperatives• Valuable personal possessions coverage for fine art collections, antiques, jewelry, furs, stamp and coin collections, firearms, valuable memorabilia• Personal liability insurance, both primary and excess with higher limits; not for profit liability and incidental business liability • Automobile insurance, watercraft insurance, private aircraft coverage, as well as insurance for unusual, high value collector or recreational vehicles• Protections for horses and other valuable animals• Workers’ compensation for domestic employees