high net worth insurance

High Net worth customers have more complex needs due to the significant value of their homes, contents and lifestyle choices. Due to this we take the time to ensure that our clients have the right policy to meet with their requirements, including taking into consideration passions for Fine Art, Jewellery or other collections .

With lifestyle we would look at hobbies, such as shooting or collections of wine and our insurers have specialists in these fields that can assist in the event of a claim.

High Net Worth policies build the policy around the customer’s needs, although there are inner limits that will apply, these are considerably higher than standard policies to reflect the value of the items normally possessed.

Where there are large collections of art and antiques the risk information is captured separately, and High Net Worth insurers cater for these by providing a specific fine art section within the policy and providing additional benefits such as Death of Artist cover. This is similar with jewellery, by looking into wearing habits, valuations and floating limits between a safe and worldwide cover.

As High Net worth clients are looking for Insurers who will understand and appreciate their passion for their valuable articles and high value homes, we carefully select from a panel of High Net Worth providers that can provide the expertise with knowledge of their product and who can then  provide us with a excellent service that we can then pass onto our clients.

The High Net worth market has expanded over the last few years and although we continue to work with the well-established providers, we also look at new high net worth products that come to the market so we can ensure that we offer a policy that meets with clients requirements , whilst obtaining a good representation of the market available to us.