Private Client Insurance
Build an insurance portfolio that protects your personal and professional assets.
We understand the complexity that comes with wealth
Personal wealth often comes with a complex mix of business, professional and personal interests that can be jeopardized at any moment without proper risk management. Our insurance and risk management experts specialize in developing tailored solutions to protect your family and lifestyle today while anticipating your needs and guiding you through tomorrow.
Experts in Private Client Personal Insurance
HUB International is the largest privately held personal insurance brokerage in the country. When you partner with us, you’re at the center of a vast network of experts who will help you reach your goals through risk services, claims management, and compliance support.
- 70,000 high net worth and 500,000 mass affluent clients
- 750 advisors specialized in serving high net worth clients
- 97% client retention
Going the extra mile
HUB Private Client advises, advocates and protects with personalized solutions to safeguard what matters most to you.
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Private Client Insurance FAQ
Private client insurance provides significantly higher coverage limits, broader protection and specialized service designed specifically for high-value homes and collections, while standard homeowners policies are built for typical residential properties with coverage caps that often leave affluent individuals underinsured.
Standard policies impose strict limits on valuables. Private client insurance eliminates these arbitrary sub-limits and insures items at their full appraised value. The policies also use replacement cost coverage that accounts for the actual cost to rebuild your home with comparable materials and craftsmanship rather than depreciated values.
Enhanced liability protection extends beyond your property to cover risks like defamation or false arrest, recognizing exposures that standard policies don't address. You receive personalized service from advisors who specialize in insuring valuable collections, multiple properties and lifestyle assets.
The claims experience differs substantially as well. Private client policyholders work with dedicated adjusters experienced in high-value claims and have access to specialists who can properly evaluate fine art, antiques and other unique possessions, ensuring your coverage keeps pace with your wealth and lifestyle.
Most advisors recommend liability coverage that equals or exceeds your total net worth.
For high net worth individuals, this typically means securing umbrella liability coverage that extends well beyond base limits on homeowners and auto policies. Risk tolerance plays a role in the final decision. Some individuals prefer more conservative coverage while others are comfortable with exposure that matches their assets more closely.
A HUB Private Client Risk Advisor can evaluate your specific risk factors, asset structure and comfort level to determine appropriate coverage levels that protect your wealth without unnecessary expense.
Jewelry, fine art, wine collections, high-value watches, collectible vehicles, musical instruments, furs, silverware and firearms typically require separate insurance coverage because standard homeowners policies impose strict sub-limits on these categories that leave valuable items severely underinsured.