Personal Insurance Solutions for High-Net-Worth Individuals & Families

Standard insurance doesn’t fit uncommon lifestyles. We provide personal risk consulting and insurance placement designed for high-net-worth individuals who need discreet, premium protection for their homes, vehicles, valuables, and long-term security. If you’ve outgrown basic coverage, we’re here to help.

How It Works

  • Personal Risk Review

We meet privately to understand your holdings, lifestyle, legal structure, and areas of concern — no assumptions, no rush.

  • Program Design

We identify coverage needs across property, liability, auto, valuables, and other personal exposures — and craft a solution with premium carriers.

  • Carrier Matching & Placement

We coordinate with top-tier private insurance markets to present customized options with transparent comparisons.

  • Confidential Service

We manage all paperwork, policy adjustments, and renewals with the discretion and responsiveness our clients expect.

  • Ongoing Risk Partnership

As your life and assets change, we provide updates, reviews, and support — not just at renewal, but year-round.


What We Provide

Our Private Client Insurance Services Include:

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Luxury Home Insurance

Coverage for primary, secondary, or seasonal residences — including custom properties, unique features, and high-value structures.

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High-Value Auto Insurance

Protection for collectible, exotic, and high-performance vehicles — with agreed value options and premium service standards.

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Valuables & Collections

Specialized coverage for jewelry, art, wine, firearms, antiques, or other high-value collections — with no guesswork on value.

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Personal Umbrella Coverage

Extended liability protection for lawsuits, accidents, or incidents involving guests, staff, or social events.

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Family Risk Consulting

Review of how trusts, LLCs, home staff, and lifestyle considerations may affect your liability exposure — and how to plan around them.

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Excess Flood & Catastrophe Protection

Additional layers of protection for properties exposed to wildfire, hurricane, or flood — including coastal and remote locations.

Private Client Coverage Is Ideal For You If:

  • You own multiple properties, luxury vehicles, or valuable collections


  • You manage a family office, estate plan, or generational wealth

  • You employ staff in your home or have a higher public profile

  • You’ve been frustrated by mass-market insurance service or coverage gaps

  • You want privacy, flexibility, and expert risk guidance

Frequently Asked Questions

  • What makes private client insurance different from standard personal lines?

    Private client insurance is designed for individuals whose assets, lifestyle, and risks don’t fit within standard carrier limits. That includes higher property values, luxury items, collections, and unique exposures like domestic staff or ownership through trusts. Private insurance markets offer broader protection, higher limits, and better claims service — but they require more specialized placement and attention.

  • Do you work with specific carriers?

    Yes. We work with a select group of private client carriers known for white-glove service, flexible coverage, and financial strength — including names like Chubb, PURE, Cincinnati, and others. We help match your needs to the right underwriting partner.

  • Will this cost more than regular insurance?

    Not always. In many cases, better-structured programs with broader protection cost less than patchwork coverage spread across multiple standard policies. What you gain in protection and service often outweighs the cost — especially when large losses or legal issues are at stake.

  • Can you insure homes in multiple states or properties held in LLCs or trusts?

    Yes. We regularly work with clients who own properties across the U.S. and manage assets through estate planning structures. We ensure that ownership, titling, and liability are properly coordinated with your legal and financial advisors.

  • Do you work directly with family offices or advisors?

    We do. We’re comfortable working as part of a larger financial, legal, or estate planning team to provide risk perspective and insurance support. We’re here to serve your household and your interests — not push products.

  • Is your service discreet?

    Absolutely. We value privacy and professionalism above all. From communication to placement and claims, everything we do is designed to be responsive, respectful, and confidential.

Let’s Talk About What’s Next for Your Business

Whether you're rethinking your coverage, your leadership, or your direction — we’re here to help.

Start a conversation & explore what’s possible with a partner who sees the big picture.

Protect Your Lifestyle, Legacy & Privacy With the Right Partner

If your current coverage wasn’t built with your life in mind, it’s time for a better experience. We’ll help you gain clarity, protection, and peace of mind — with a level of service that fits the way you live.