High Net Worth Insurance

Homeowners Insurance

Your home may be one of your biggest investments and it’s certainly one of the most precious. It takes time and effort to design your home and fill it with valuable treasures. That is why we have partnered with carriers that offer comprehensive, customizable policies with unique coverages to protect your home, family and lifestyle.

These homeowners policy provides exceptional benefits:

Agreed replacement cost: Cover the cost to replace your home to its original specifications and in compliance with today’s building codes, even when the cost exceeds your policy limit.

Replacement cash-out option: In the event of a total loss, you may decide not to rebuild and instead want to cash out. Pay out up to the coverage limits for your home and personal property.

Temporary arrangements: In the event of a covered loss, cover your increased living expenses necessary to maintain your household’s usual standard of living during the time necessary for you to permanently relocate or to return your home to a habitable condition.

Accidental breakage: Those delicate items around your home are beautiful but breakable. Special limits of up to $50,000 in case of damage to crystal, china, porcelains, figurines, statuary, sculptures, mirrors, wine bottles, glassware and similar items.

Equipment breakdown: Repair or replacement of damaged appliances or other household systems to ensure that your convenience is restored, fast.

Identity theft assistance: Among your most valued assets is your personal information. Include identity theft assistance benefits to help you properly safeguard your identity and reputation.

Automobile Insurance

We love our cars — whether it’s the passenger-friendly SUV, the import coupe you drive to the office or that roadster reserved for Sunday drives. With today’s precision engineering, advanced, safety features and improved fuel efficiency, you may need more coverage than what typical insurance policies provide.

You can obtain a customized policy that meets your high standards and unique needs. Our high net worth carriers provide benefits beyond standard auto insurance to ensure you are well taken care of in the event of a covered loss:

Agreed value: Many insurance policies only pay your car’s current market value if it is totaled or stolen — which can be much less than what you originally paid. Our carriers offer an agreed-value option, where we agree on the car value when the policy becomes effective and then adjust it at each renewal. That way, there is no question about your settlement amount.2

Uninsured and underinsured motorist: With so many drivers being uninsured or underinsured, it is important for you to purchase limits that meet your financial needs.

Auto loan and lease gap coverage: Get paid the difference between the financed amount of your vehicle and its market value, in the event of a total loss.

Rental car reimbursement: In case your car is stolen or involved in a covered loss, our coverage has no per-day limit and provides a vehicle comparable to yours.

Original equipment manufacturer (OEM) parts: You invested in a luxury car for its performance, so it’s only natural you’d want the same quality parts it came with. In the event of a loss, you can have your car repaired exclusively with OEM parts.

Roadside assistance: It’s peace of mind in case you are stranded and includes towing, delivery of supplies, battery services, flat tire assistance, lockout service, and trip interruption expense coverage.

Rented vehicles coverage: When you rent a car from a rental company for 90 days or less, your physical damage coverage extends to the rental car, and also covers its loss of income.

Personal Collections Insurance

You’re an avid collector who has spent a lifetime perfecting your collection. It’s special to you, which makes it special to us. And with a personal collections policy, you can get the coverage these cherished possessions deserve.

Collections policies can include jewelry, fine arts, silverware, furs, wine, cameras, musical instruments, stamp collections, coin collections, collectibles and other valuable articles.

Scheduled or blanket coverage: Cover physical damage or loss to valuable articles, including theft and mysterious disappearance, up to the scheduled limits with options to increase coverage for jewelry and fine arts. You can select blanket coverage for an entire class of collections or individually schedule each item. Your coverage applies worldwide, without deductibles.

New purchases: Coverage extended to your newly-acquired valuable article, as long it is similar to ones already itemized on your policy,

Market value protection: Agreed-value payments on itemized, covered articles.

Reduced rates for safe storage: Lower rates for articles kept in a bank vault, safety deposit box or qualifying home safe, as well as those in homes with central alarms or full sprinkler systems. We have coverage options that do not require notification before removing items from a bank vault or safety deposit box for use.

Fine art repairs and value protection: For scheduled fine arts, cover damage that occurs during repair, restoration, or the retouching process.

Excess Liability Insurance

You’ve worked hard to achieve your success. Personal excess liability coverage protects you and your hard-earned assets against the potential risk of a lawsuit, so you can be confident about your financial future.

Personal excess liability policies are carefully crafted to help protect your assets and reputation should the unexpected occur:

Expanded defense coverage: In the event of a liability claim, this coverage enhancement allows you to utilize your own trusted counsel for consultation with the defense team that we provide on your behalf, even if the allegations of the suit are groundless, false or fraudulent.2 

Rented or borrowed vehicle liability: When you rent a car, you are covered for personal excess liability on vehicles rented for 45 days or less, with no geographic limitation. 

Optional uninsured and underinsured motorist and third-party liability: By adding excess uninsured and underinsured liability coverage, you are protecting yourself from exposure caused by parties that are liable, but do not have sufficient means to cover the full extent of damages. 

Optional limited employment practices liability coverage (EPL): EPL coverage covers damages that you are legally obligated to pay to a domestic employee arising out of a wrongful employment act, wrongful termination or discrimination as well as expenses incurred by engaging an event management firm to minimize reputational damage.

Optional Employment event management fund: Coverage for professional services to help mitigate potential damages or injury to your reputation due to an actual or alleged wrongful employment act involving a domestic employee.

Optional nonprofit not for profit directors and officers liability coverage: Adding the not for profit directors and officers liability endorsement to your personal excess liability policy will allow you to focus more time on helping the nonprofit organization and less time worrying about paying for a lawsuit.

Optional uninsured and underinsured motorist and third-party liability: Up to $5 million to protect against the inadequate insurance of others.

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