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High-Net-Worth Insurance
High-Net-Worth Solutions That Go Beyond Insurance
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Because You’ve Earned More Than Standard Protection
When your home, assets, and lifestyle reflect a life of achievement, traditional insurance simply isn't enough. Our High-Net-Worth Insurance is designed for discerning individuals and families who require a smarter, more personal protection strategy.
- Luxury Homes: From coastal estates to urban penthouses, we ensure every architectural nuance and unique system is covered whether it’s a smart-home feature, custom millwork, or specialty materials.
- Exotic & Collector Vehicles: Whether classic or high-performance, your vehicles receive agreed-value protection with original parts, repair-shop preferences, and worldwide coverage.
- Fine Art, Jewelry & Collections: We handle meticulous appraisals, scheduled items, and flexible coverage that adapts with your collection’s growth and value.
- Watercraft & Private Craft: Yachts, speedboats, and personal aircraft are shielded by custom marine or aviation plans that include crew, fuel, and liability considerations.
- Excess Liability (“Umbrella”): Lifestyle demands higher protections. We’ll tailor umbrella limits from $3 million to $100 million, based on your net worth, portfolio, and risk exposure.
- Risk Analysis: From wildfire vulnerability to undervalued storm-risk zones, we analyze your exposures and recommend home upgrades, security systems, and environmental protections.
- Domestic Staff Coverage: Employees like chefs, housekeepers, or chauffeurs are often overlooked. We customize worker’s compensation and Employment Practices Liability to match your household needs.
- Cyber & Identity Crime: With more smart technology comes more risk. We include identity-theft and personal cyber protection, and help you mitigate threats before they emerge.
- Second Homes & Rental Properties: Add-ons for vacant property protection, rental liability, and short-term stay coverage.