Private Client and High Net Worth Individuals Insurance
When you’ve worked hard to build wealth and acquire assets, protecting them with the right insurance is essential. High Net Worth Individuals (HNWIs) and Mass Affluent Individuals face unique risks that go beyond what standard insurance policies cover. We offer tailored solutions designed to provide comprehensive protection for your properties, vehicles, and personal liabilities, ensuring your lifestyle and assets are safeguarded.
Umbrella Insurance
Your success and the lifestyle you enjoy can make you a target for lawsuits and liability claims. Umbrella insurance provides an extra layer of liability protection beyond the limits of your standard home and auto policies. This coverage helps protect your personal assets in case of lawsuits for things like accidents or injuries that occur on your property or due to your actions.
For additional peace of mind, we recommend pairing your umbrella policy with Uninsured/Underinsured Motorist coverage. This ensures you’re protected if you’re involved in an accident with a driver who doesn’t have sufficient insurance.
Cyber Liability & Data Breach Protection
As technology becomes more integral to everyday life, so does the risk of cyber threats. Personal Cyber Liability and Data Breach Insurance can help protect you from financial loss due to cyberattacks, identity theft, or data breaches. If your smart home systems are compromised, or if a virus attacks your personal devices, this coverage can help restore data, cover the costs of repairs, and even pay for certain types of ransomware attacks. We can also help you take steps to fortify your online security.
Luxury Home, Vacation Home & Rental Property Insurance
Insuring large or high-value homes can present challenges that standard homeowners’ policies may not cover adequately. We work with insurers who specialize in protecting luxury homes, vacation properties, and rental homes. With features like guaranteed replacement cost coverage, exceptional claims handling, and the ability to package multiple properties under one policy, we help ensure that all your real estate investments are protected.
If you own coastal properties, the risk of storm damage and rising sea levels can complicate coverage. We partner with specialty insurers who understand these risks and offer policies tailored to homes along the coast.
High-Value Flood Insurance
Flood insurance is an essential part of protecting your property, especially for homes located near bodies of water. Standard policies through the National Flood Insurance Program (NFIP) may not provide enough coverage for high-value properties. We work with private flood insurers to offer policies that cover up to $1 million in damages, including coverage for other structures and loss of use. This often results in better protection at more affordable rates than the NFIP.
Luxury Vehicles & Collectibles Insurance
Your luxury cars, classic automobiles, and exotic vehicles require specialized insurance that reflects their true value. Standard auto insurance won’t cut it for these high-end vehicles. We can help you find coverage that offers agreed-upon value, exceptional claims handling, and protection tailored to the unique needs of your collection.
Yacht, Boat & Personal Watercraft Insurance
Owning a boat or yacht comes with its own set of risks. Whether you use your boat for leisure or long-distance travel, we ensure you’re protected with the right liability coverage, physical damage coverage, and options like pollution, towing, and mechanical breakdown insurance. If you sail beyond certain nautical limits or travel to places like the Bahamas, it’s important to have a policy that covers these scenarios and fills any potential gaps in your umbrella policy.