Coverage Designed Around Your Balance Sheet
Standard personal lines aren't built for $5M homes, eight-figure art collections, or boards-of-directors exposure. Private-client carriers exist for one reason: to write coverage broad enough, with claims service responsive enough, that your insurance can keep up with the life you've built. FIG places, reviews, and stewards that coverage in coordination with your attorney, CPA, family office, or wealth advisor.
Core Private-Client Coverages
High-Value Homeowners
Guaranteed or extended replacement cost on primary, secondary, and seasonal homes — including cash-settlement options if you choose not to rebuild.
Fine Art & Collectibles
Agreed-value scheduled coverage for art, wine, jewelry, watches, and rare collections — worldwide, with no deductible on most policies.
Collector & Exotic Auto
Agreed-value coverage for classics, exotics, and daily-driven luxury vehicles, plus garage liability and spare-parts coverage.
Excess Personal Liability
Personal umbrella up to $100M+ with worldwide coverage, defense outside limits, and uninsured/underinsured motorist excess.
Yacht & Watercraft
Hull, machinery, P&I, and crew coverage for vessels from weekend cruisers through fully-crewed yachts and tenders.
Aviation & Aircraft
Hull and liability for owned aircraft, fractional shares, helicopters, and non-owned/borrowed aircraft endorsements.
The Lifestyle Risks Most Advisors Miss
The exposures that actually create claims for HNW families rarely show up on a standard policy review.
Domestic Staff & Employment Practices
Workers' comp, EPLI, and wage-and-hour coverage for housekeepers, nannies, estate managers, and private chefs.
Kidnap, Ransom & Extortion
K&R policies with crisis response, security consulting, and travel intelligence — discreetly placed through specialty markets.
Directors & Officers / Board Service
Personal D&O for nonprofit and private-company board seats, including coverage for entities not paying premiums.
Cyber & Family Office Privacy
Personal cyber for identity theft, social engineering, ransomware, and reputational harm — extended to spouses and dependents.
Every Asset, Every Entity
From the primary residence to the family LLC — we structure coverage to follow your assets and your liability across 26 licensed states.
Our Private-Client Carrier Panel
We're appointed with the four flagship HNW carriers, which lets us shop the entire account — and rebroker any single line — without changing advisors.
Licensed in 26 States
We coordinate multi-state homes, vehicles, and liability towers under a single household structure — wherever your residences and assets are located.