Private Client Services
Built Carefully. Protected the same way.
When what you own outgrows a standard policy, the right coverage stops being about the lowest premium and starts being about getting every detail exactly right. That's the quiet, careful work we do for our private clients.
Or call us directly —
Beyond the standard policy
Where standard policies fall short
A $40,000 watch and a $40 watch are the same to a standard policy.
Most homeowners policies cap jewelry, art, and collectibles at a few thousand dollars, total. They settle homes at depreciated value, not what it actually costs to rebuild the one you have. And they carry liability limits that made sense for a starter home, not for everything you've built since.
None of that shows up as a problem until the moment you need it to work. A claim is a bad time to learn where the limits were.
High-net-worth coverage exists to close those gaps quietly, ahead of time, so the protection matches the life, not the other way around.
Common Coverage Oversights
Four areas traditional coverage falls short.
Homes & Estates
Guaranteed replacement cost allows you to rebuild the home you actually have, custom millwork and all, even if that runs past the policy limit. Multiple properties coordinated under one relationship.
Collections & Valuables
Art, jewelry, wine, watches, and the things that are hard to replace. Agreed-value terms, worldwide coverage, and appraisals that hold up — so a loss is settled at what the piece is worth, not a sub-limit.
Excess Liability
Umbrella coverage into the millions, sitting above your home and auto. The layer that protects everything you own when a lawsuit looks past insurance and toward assets.
Family & Cyber
Household staff, identity and fraud recovery, cyber exposure, and the quieter risks, the ones a standard policy never contemplated because it was never meant to.
Our point of view
The most expensive risk is the one no one insured.
At this level, the danger usually isn't overpaying. It's a sub-limit nobody flagged, a valuation method nobody questioned, a liability gap that sat quietly under a policy for years.
So we'd rather find those things now, across a table, than have you find them later in a claim. That means reading the actual policy language, not the summary, and being honest when your current coverage is already doing its job.
We don't move clients to make a sale. We move them when the coverage is genuinely better. Sometimes the right advice is to stay put.
Private Client Insurance Partners
Premium carriers. Built for your types of risks.
Chubb and Cincinnati are two of the private-client carriers we work with most. What separates carriers like these from traditional insurance is agreed-value settlements, guaranteed replacement cost, no depreciation on personal property, and claims specialists who understand what high-value assets actually cost to replace. These two are a strong starting point, but they are not your only options. We work with a range of private-client carriers and will match you to the one that fits your specific picture.
Chubb
Masterpiece®
The benchmark for high-value homes and collections. Cash settlements, extended replacement cost, and a claims operation built for clients who expect things handled, not haggled.
Best for
Primary residences over $1.5M with extended assets to protect.
Cincinnati
Executive Capstone®
Deep underwriting flexibility for complex situations: multiple homes, unusual collections, family enterprises. The carrier we reach for when the picture doesn't fit a standard box.
Best for
Homes $1.5M+, significant valuable articles, or estate complexity.
FAQ
Questions we hear honest answers.
If yours isn't here, call (301) 431-0000 and ask for an advisor. No phone tree.
Ready when you are
Let's take a look at what you've got.
A real review of your current coverage. No deck, no pressure, and usually some money saved along the way.