High Net Worth and High Value Home Insurance

If you enjoy a premier lifestyle, ordinary personal insurance coverage may not be adequate.
Trust the experts in our Private Client Services division to assess your needs and design a custom package of protection to safeguard you, your family and your assets. Our exclusive high net worth policies afford not only a higher level of coverage, but also concierge-style service with complimentary property valuations, appraisals and risk assessments.
Options include:
High-value home insurance: We provide policies with replacement cost values in excess of $1 million. If you have a waterfront location or other unique exposures, we’ll help you find the optimal solution. To help control costs, we offer high value deductible programs and other creative solutions.
Coverage for secondary residences: Insure your vacation homes and rental properties with the convenience of one package policy and bill.
Private collections: Protect your fine art, firearms, antiques, jewelry, wine and other collectibles with worldwide insurance.
Personal excess liability and directors and officers coverage:  Choose from the highest limits available — up to $100 million.
D&O coverage: Do you serve on a non-profit board? If so, generic non-profit insurance may not be enough. Directors and Officers (D&O) coverage can be included to cover your personal liability risk.
Personal Auto: Insure all vehicles on one convenient policy using “agreed value.” Your vehicles will be repaired with original manufacturer’s parts from your choice of repair shops. Coverage is available for collector vehicles. High deductible programs are also available.
Watercraft: We provide protection for boats of all sizes, including super yachts that travel worldwide. Ask about options to protect your crew and your contents. We can also provide liability protection under the Federal Jones act.
Aircraft: If you own or operate aircraft, we can insure your risk with the broadest aviation coverage available.
Private staff: Cover your domestic employees work-related injuries, and get coverage to respond to any potential lawsuits.
Worldwide travel: Enjoy 24-hour assistance anywhere in the world if you have a medical emergency or uncontrollable circumstance requiring you to come home early.