Private Client & High Net Worth Risk Management
Growing your wealth takes time, but protecting it shouldn’t be complicated. High-net-worth families have unique needs that often stretch beyond the scope of a standard retail policy. Whether it is rebuilding a custom home, insuring fine art, or protecting your savings from a major lawsuit, you need an elevated level of protection.
Core Coverage Considerations
While every affluent family has a unique risk profile, a foundational risk management strategy for this tier typically includes the following core coverages. We will work with you to identify any additional specialized policies required for your estate.
Guaranteed Replacement Cost
An uncapped property provision ensuring your luxury home is rebuilt to its exact architectural standard, regardless of massive cost overruns.
Cash-Out Settlement Options
The flexibility to receive a full cash payout following a total loss, rather than being forced to rebuild on the exact same lot.
Worldwide Liability Protection
Global personal liability coverage that protects your assets whether you are at your primary residence or traveling abroad.
Cyber & Reputation Extortion
High-limit protection against targeted ransomware attacks, wire fraud, and the costs associated with hiring crisis PR firms to protect your public image.
Valuable Articles Floaters
Scheduled, itemized coverage for multi-million dollar jewelry, wine, and fine art collections, including protection for mysterious disappearance.
Kidnap & Ransom (K&R)
Specialized protection covering negotiation, extortion payments, and evacuation costs for families traveling internationally.
Domestic Employment Practices Liability (Domestic EPLI)
Legal defense and settlement coverage for lawsuits brought by domestic staff alleging wrongful termination, harassment, or discrimination.
Assets & Lifestyle Portfolio
Ready to Protect What You’ve Built?
Let’s review your estate, valuables, and exposures, and design coverage that matches your standard of living.