Private client insurance for everything you've built
Estates, collections and a family's visible wealth carry exposures a mass-market policy was never designed for. As a broker with access to private-client carriers, we build one coordinated program around your homes, vehicles, collections and liability.
Private-client carriers · Senior-level claims handling · A dedicated advisor
Map the program that fits your family
Select what you own and what concerns you. We'll show the coordinated coverage that typically applies. Nothing is stored or shared.
Your operation
Select everything that applies.
Coverage that typically applies
4 coverages — a starting point for a conversation, not a quote.
- High-Value HomeownersGuaranteed or extended replacement cost with no sublimits on custom finishes. The foundation of the program.
- Excess Liability (Umbrella)Broad, worldwide liability with defense outside limits. Most families carry only $1–2M, and a suit targeting visible wealth can far exceed it.
- Collector & Exotic AutoAgreed value, choice of shop and coverage during restoration. A standard auto policy pays depreciated value.
- Valuable Articles: Art & CollectionsScheduled or blanket agreed value, worldwide, often with no deductible. Homeowners caps collections at token limits.
Illustrative umbrella limits by assets
A starting point only. We confirm the right limit with you based on your assets and exposures.
One coordinated program
The parts of a private-client program work as a system. Each closes a gap a standard policy leaves.
High-value homeowners
Guaranteed or extended replacement cost (often up to 150%), building-code upgrades and coverage for custom finishes, landscaping and outbuildings. Gap: 78% of high-value homes are underinsured; market value rarely equals the cost to rebuild a custom home to code.
Excess liability (umbrella)
$5M to $100M+ of personal liability over your home and auto, with broad worldwide triggers and defense paid outside the limits. Gap: most families carry only $1–2M, and the rest of a large judgment comes from your assets.
Valuable articles & collections
Blanket and scheduled agreed value for jewelry, art, wine, watches and collections, worldwide, often with no deductible and automatic inflation protection. Gap: homeowners caps these at token amounts, often about $1,500 for jewelry.
Collector & exotic autos
Agreed value, flexible usage, your choice of repair facility, coverage during restoration and automatic inclusion of new acquisitions. Gap: a standard auto policy pays depreciated actual cash value.
Watercraft, yacht & aviation
Agreed hull value, worldwide navigation, crew and charter liability for yachts, plus hull and liability programs for private aircraft. Gap: boats and aircraft on thin riders, or excluded outright.
Family, staff & cyber
Workers' comp and EPLI for household staff, personal cyber and identity protection, kidnap & ransom and worldwide travel assistance. Gap: employer liability and personal cyber exposures that standard policies exclude.
Where standard policies fall short
Three illustrative scenarios, and the coverage that responds to each.
A pipe bursts while the family is abroad
Ten days of undetected water damage destroys custom millwork, a wine cellar and irreplaceable art.
Illustrative example. Real outcomes depend on the facts and your policy terms.
A private-client team for your whole portfolio
We coordinate every personal line (home, auto, collections, umbrella, watercraft) into one program, placed with carriers built for successful families. Our private-client team protects more than $500M in client assets.
Private-client carriers
Placement with PURE, Chubb, AIG Private Client, Cincinnati and specialty markets that don't accept business from standard agencies.
A dedicated advisor
One point of contact who understands your whole portfolio and coordinates every policy.
Senior-level claims
Direct access to senior claims professionals who understand high-value losses and move settlements forward.
Coordinated coverage
Every personal line in one program, removing gaps and overlaps across homes, autos and collections.
Local Northwest knowledge
Regional risk such as earthquake, waterfront, wildfire and Washington's liability landscape.
Generational partnership
Relationships that span generations, protecting family wealth and preparing the next generation.
Protect your legacy with confidence
Share a few details and a private-client advisor will design the right program and follow up, usually within one business day.
- A dedicated advisor and a complete, confidential risk review
- Private-client carrier placement and senior-level claims handling
- Annual reviews and loss-prevention services
Want a fuller consultation?
Tell us about your properties, vehicles, collections and scheduling preferences, and we'll prepare for a detailed portfolio review.
Coverage descriptions are general summaries for education. They are not legal, tax or coverage advice, a statement of coverage, an offer or a binder. The coverage finder, suggested limits, scenarios and dollar figures are illustrative examples, not representations about any family. Suggested limits, available coverages, eligibility and premiums vary by carrier, applicant, assets and state, are governed by the terms, conditions and exclusions of the policies issued and are subject to underwriting.