Private Client Insurance

Private client insurance, also called high-net-worth insurance or personal risk insurance, is specialized coverage designed to protect individuals and families with significant assets. Unlike standard policies, private client insurance offers broader protection and higher limits to safeguard your lifestyle, property, and legacy.

Having the right private client insurance policies is a critical component of a comprehensive risk management strategy that can help protect your wealth and peace of mind. Our agency is here to help you with all of your personal insurance needs. Call Prestige Planning today to learn more or to get a free, no-obligation quote.

Every client’s insurance needs vary and may be influenced by lifestyle, property values, travel habits, and collections. A few standard policies private clients may carry include the following:

• Home insurance — A policy designed for high-value homes, estates, and vacation properties. Coverage can include protection against property damage, liability, and additional living expenses. Policies are often tailored to unique features such as historic architecture, custom construction, or luxury amenities.
• Auto insurance — Coverage for personal vehicles, including luxury cars, sports cars, and collector automobiles. Policies may offer agreed value coverage, worldwide liability protection, and specialized repair options to ensure your vehicles are properly protected.
• Excess liability insurance — Also called umbrella insurance, this coverage provides additional liability protection beyond the limits of your home and auto policies. It helps safeguard against large claims or lawsuits that could otherwise impact your financial security.
• Collectibles insurance — Specialized coverage for fine art, jewelry, wine, antiques, and other valuable collections. Policies can provide protection against theft, damage, or loss, with options for worldwide coverage and agreed value settlements.

Depending on your lifestyle and assets, you may need to purchase other insurance policies for proper coverage. Contact Prestige Planning today to discuss your private client insurance needs.

How to Get Private Client Insurance

If you need private client insurance solutions, we’re here to help. Give Prestige Planning a call today to get started.