Due to the unique nature of our various clients' lifestyles, each program developed is customized address the specific high value assets and wealth concerns at hand. Some of the most common areas of risk addressed with specific insurance products include:

Auto Insurance

Our expertise with high-end vehicles allows us to create unique solutions that help ensure proper protection no matter how exceptional the vehicle.  From vast collections of classic cars to individual exotic, high-powered machines, we have the ability to address financial risks specific to these cherished possessions. In addition, our expertise with these high-end vehicles allows us to create unique solutions that help ensure proper protection no matter how exceptional the vehicle.

Domestic Employees

Domestic employees, such as maids and butlers, and contract workers, such as repairmen and carpenters, can pose considerable liability risks in the event they incur injuries while working in an individual’s home. Through employment practices liability coverage, Private Client Solutions can assist clients with managing employee liability risks and the potential effects of financially-damaging lawsuits.

Flood Insurance

Since homeowners coverage does not cover many of the damages caused by floods, we can help clients obtain flood coverage that is sufficient for their circumstances.  Floods can effectively destroy a house and its valuable contents, especially when it comes to the harsh consequences of standing water. Since homeowners coverage does not cover many of the damages caused by floods, we can help clients obtain flood coverage that is sufficient for their circumstances.

Our experience with high-value properties as well as our expertise in flood insurance allows us to identify specific exposures that others may have overlooked.

Homeowner's Insurance

High-value, well-appointed homes can be enormously intricate in their design and construction. We have experts who understand the specific needs of these homes and the particular homeowners policy they require.  Our deep carrier relationships coupled with the breadth of our resources allow us to place coverage that will help ensure the proper restoration of luxury homes with materials of like kind and quality in the event of damage or complete destruction. 

Life Insurance

Preserving wealth for future generations can prove to be a challenge, but we can implement strategies that position life insurance as a liquidity tool that can help eliminate certain tax burdens. Our life insurance specialists can also coordinate estate and financial plans with gifting strategies, while taking into account the peculiarities and tax rules specific to life insurance contracts.

At Private Client Solutions, we also pride ourselves in our ability to place coverage with significantly high limits, something that many life insurers find altogether impossible.  We have a range of specialists, such as physicians’ assistants, with the skill to assist in the underwriting process. And, when the time comes to receive long-term medical attention, we have experts who can assist clients with finding the medical care with which they feel the most comfortable. 

Long-term Care

People are living longer than ever before, which increases the likelihood that long-term care—such as home health care, stays in assisted living facilities, or more intensive and ongoing care in a nursing home—will be required. Today, long-term care insurance is a critical piece of a solid financial and risk management strategy that can help protect retirement income in the event of an extended healthcare need.

Personal Excess Liability

High-profile lifestyles can increase the probability of multimillion-dollar lawsuit settlements that result from personal injury, bodily injury, or property damage. However, our experts can successfully minimize the monetary effects of these settlements by implementing a personal excess liability plan.

Furthermore, through discussions and reviews with clients about their current policies, we can help clients determine the amount of coverage, and provide recommendations around the scope and limitations of the policies. 

Valuable Articles & Collections

We can assist clients in obtaining coverage that will cover their prized possessions—whether collections, antiques, jewelry, or gold—from a range of financial risks.  High-value collections, antiques, jewelry, and gold can be joys to own and accrue, but they can also present great challenges when it comes to the risks of loss, theft, and destruction. 

We understand that homeowners coverage has limitations in the coverage it provides for these items, and with our experience and expertise with vast collections, we can assist clients in obtaining coverage that will cover their prized possessions from a range of financial risks.

Yacht/Watercraft

Owning yachts or other watercraft is an enjoyable luxury that also comes with unique exposures, including pollution liability. With customized yacht or watercraft coverage, you can ensure you're protected when building, purchasing, or using your yacht or watercraft.

Concerned about any of these exposures? Click here to assess your risk.