Protection for a life that doesn’t fit inside a standard policy.
Coordinated insurance guidance for distinctive homes, luxury automobiles, valuable collections, watercraft and broader personal liability.
Insurance designed around what matters most.
As assets and responsibilities become more complex, insurance often requires a more coordinated approach. Private Client protection considers the relationships among your homes, vehicles, valuables, watercraft and personal liability.
Distinctive Property
Protection considerations for high-value primary residences, secondary homes and properties with distinctive construction or replacement requirements.
Luxury & Collector Vehicles
Coverage considerations for luxury, exotic, performance and collector automobiles, including specialized valuation needs.
Jewelry, Fine Art & Collections
Specialized protection for jewelry, artwork, collectibles and other valuable personal property that may exceed ordinary policy limitations.
Yachts & Watercraft
Coverage considerations for yachts, boats and other watercraft, together with related physical damage and liability exposures.
Umbrella & Excess Liability
Broader personal liability protection designed to address exposures beyond the underlying limits of individual policies.
Multiple Residences
Coordinated insurance considerations for primary, secondary, seasonal and other residences that may create overlapping exposures.
Sophisticated risk is rarely about one policy.
The value of a Private Client approach is not simply access to different types of insurance. It is the ability to consider how those coverages interact and whether the overall protection remains appropriate as your life evolves.
A relationship built on attention, coordination and service.
Understand Your World
We begin by understanding your residences, vehicles, assets, priorities and the exposures that matter most to you.
Review & Coordinate
Existing policies and exposures can be reviewed together to identify potential gaps, overlaps and areas deserving additional attention.
Design a Tailored Solution
Coverage can then be considered with appropriate limits and terms based on your individual needs.
Ongoing Review
As property, assets and responsibilities change, your protection should be revisited so it can evolve with you.
Your lifestyle can create additional exposures.
Private Client insurance can extend beyond homes and automobiles. Depending upon your circumstances, household structure and activities, additional areas may deserve consideration.
The objective is not to add unnecessary policies. It is to understand the broader risk picture and determine where additional protection may be appropriate.
A broader view of personal risk.
Depending on the household and insurer, areas for discussion may include:
- Domestic Staff & Household Employment Exposures
- Identity & Cyber Considerations
- Travel-Related Risk Considerations
- Secondary & Seasonal Properties
- Watercraft & Recreational Assets
- Collections & Valuable Property
- Umbrella & Excess Personal Liability
- Coordinated Personal Risk Review
Not every household requires Private Client coverage.
CoverIt also provides personal insurance guidance for homes, automobiles, valuables and liability needs that do not require a Private Client approach.
Explore Personal InsuranceLet’s protect what you’ve built.
A confidential, complimentary conversation about your current insurance, your assets and the exposures that deserve attention as your life evolves.