Private Client

If a fire or other event destroys your home, our coverage allows you to rebuild or receive a cash settlement. It’s that simple; you decide.

Our coverage provides peace of mind in knowing that your luxury home can be rebuilt to the same standard, even when the actual cost to do so exceeds your coverage limits

Our high-value Homeowners policy includes $50,000 of coverage for lost, misplaced, or stolen jewelry. This helps to better protect your valuables that are not covered by a dedicated Collections policy and avoid out-of-pocket expenses at the time of a claim.

If a sewer backs up and causes your drains (whether inside or outside of your home) or toilets to overflow, we will pay to clean it up and replace or rebuild damaged property up to the limit on your policy.

We give you the flexibility to choose a deductible for your luxury home policy that best fits your lifestyle. We also recognize that large losses can be extremely disruptive. So, if your deductible is $25,000 or less and you experience a covered loss of more than $100,000, we will waive your deductible.

For covered losses greater than $10,000, we will contribute up to $2,500 to help you implement a solution that reduces the likelihood of a similar loss. Members use this benefit to invest in whole-house generators, leak detection systems, lightning suppression systems and other loss prevention solutions.

We extend coverage to these eligible entities.

Private client insurance policies can include:

• Multiple Homes Protection
• Aircraft, Yacht, and Motorboat Protection
• Fine Art Protection
• Antiques and Collectibles Protection
• Jewelry and Watches Protection
• Private Medical Insurance
• Catastrophe Protection for Hurricane, Flood, Earthquake and Wildfire
• Umbrella and Excess Liability Protection with limits up to $100 million
• Not-for-Profit Board of Directors and Fiduciary Liability
• Domestic Staff Worker’s Compensation
• Employment Practice Liability Protection
• Kidnap, Ransom and Extortion Protection
• Overseas Travel Protection