What is private client insurance and how is it different from standard personal insurance?

Private client insurance is designed for individuals with high-value assets and complex holdings that exceed what standard personal insurance can cover. Specialist carriers provide broader terms, higher limits, agreed value coverage, and a level of service that standard markets don't offer.

What is agreed value coverage and why does it matter for high-value assets?

Agreed value means the insured value is fixed at policy inception and confirmed with the carrier. If a total loss occurs, you receive that full amount without depreciation. For assets that hold or appreciate in value, this is critical.

Can private client insurance cover properties in multiple states or internationally?

Yes. We structure programs that coordinate coverage across primary residences, vacation homes, and international properties. For clients who travel extensively or own assets outside the US, we incorporate international exposure from the start.

How does private client insurance handle fine art and collectibles?

Specialist policies provide worldwide coverage that travels with the asset, including transit, loan to institutions, and vault storage. Coverage is based on agreed or scheduled value with access to specialist appraisers and restoration networks.

How is claims handling different for private client programs?

A dedicated advisor coordinates the entire process. For significant losses involving luxury properties or high-value assets, we bring in specialist appraisers, restoration contractors, and independent evaluators to ensure the outcome reflects the full value of your policy.

Services

Private Client Insurance for High-Net-Worth Individuals Who Expect More Than a Standard Policy.

Q: What types of assets does private client insurance typically cover?

Coverage can be structured for luxury and custom homes, exotic and collector vehicles, fine art, jewelry, wine and antique collections, private aircraft, yachts, and assets held through trusts or family offices. Each requires its own underwriting and often its own specialist carrier.

Standard insurance policies are built for average risk. Your assets are not average. Our private client team structures coverage programs around the true value and complexity of what you have built, from luxury properties and collector vehicles to family offices and fine art collections.

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Private client

PCGfor principals

Homes, autos, watercraft, collections.

Coordinated to the business umbrella

Why Benchmark

The Benchmark Difference, in Numbers.

100+

A-Rated CarriersReal market leverage

$6B

Property Value PlacedAcross commercial portfolios

24/7

Claims ConsultingWe stay in your corner

Up to 50%

Admin ReductionThrough structured programs

Get in Touch

Let an advisor structure your program.

Tell us about your business. One of our advisors will follow up within one business day to set up a coverage review at no cost.

Call us directly:
(281) 569-4353

Visit:
827 N Loop W Suite B, Houston, TX 77008

Why Principals Need Private Client

Personal Lines for the Person Who Owns the Business.

Mass-market personal insurance is built for a household income, not a business owner with concentrated wealth. Private client coverage covers exposures that standard policies surface as exclusions.

Primary and secondary homes

Texas + multi-state

Replacement-cost endorsement, water damage, and named-storm structured for high-value homes.

Executive auto

Coordinated to business umbrella

Personal auto with higher limits, then integrated to the business umbrella so an after-hours accident does not expose the corporation.

Watercraft, collections, fine art

Specialty schedules

Marine, jewelry, and art scheduled with agreed-value endorsements.

Personal umbrella

Layered to the family balance sheet

Personal umbrella sized against actual net worth, not the broker's default of $1M.

Personal Lines for Principals

The business you built is one exposure. Your family is the other.

Mass-market personal insurance is built for a household income, not a business owner with concentrated wealth. We coordinate personal coverage against the business umbrella so the two work together.

Primary and secondary homes

High-value home coverage with replacement-cost endorsement, water damage, and named-storm structured for Texas exposure.

Executive auto

Personal auto with higher limits coordinated to the business umbrella so an after-hours accident does not expose the corporation.

Watercraft, collections, fine art

Marine, jewelry, and art scheduled with agreed-value endorsements.

Personal umbrella

Personal umbrella sized against actual net worth, not the broker's default of $1M.

Excess flood and earthquake

Excess flood and earthquake coverage layered above NFIP and standard property for high-value homes.

Domestic employment

Domestic employee coverage for household staff with workers comp and EPLI.

Built For

Principals with concentrated wealth and a business to protect.

Private client coverage matters where the personal balance sheet has assets that mass-market personal lines do not protect adequately, and where the business umbrella has to coordinate.

Business owners and principals with $5M+ net worth
Real estate principals with personal residences and short-term rentals
Family offices and inherited-wealth families
Executives with concentrated equity positions
Principals with watercraft, classic cars, or collections
Families with domestic employees and household staff

What Sets Us Apart

Personal coverage coordinated to the business.

Business coordinated

Umbrella integrated

Personal umbrella integrated with the business umbrella so a Saturday accident does not become a Monday corporate problem.

Net-worth sized

Not default

Personal umbrella sized against actual net worth, not the broker's default of $1M.

Specialty markets

Private client carriers

Direct relationships with private client carriers (Chubb, PURE, AIG Private Client, Cincinnati Executive).

Specialty schedules

Agreed value

Watercraft, collections, and fine art scheduled with agreed-value endorsements.

Private client advisory

The business you built is one exposure. Your family is the other.

We coordinate the personal program against the business umbrella so a Saturday accident does not become a corporate problem on Monday.

Build My Private Client Program

Common Questions

Frequently Asked Questions.

What is private client insurance?

Private client insurance is designed for individuals with high-value assets, complex holdings, or lifestyle exposures that exceed what standard personal insurance covers. Specialist carriers provide broader terms and higher limits.

What types of assets does it typically cover?

Coverage spans luxury and custom homes, exotic and collector vehicles, fine art, jewelry, wine and antique collections, private aircraft, yachts, and assets held through trusts or family offices.

What is agreed value coverage?

Agreed value means the insured value is fixed at policy inception. If a total loss occurs, you receive that full amount without depreciation. Critical for appreciating assets.

Can private client cover properties in multiple states or internationally?

Yes. We structure programs that coordinate coverage across primary residences, vacation homes, and international properties.

How does private client handle fine art?

Specialist policies provide worldwide coverage based on agreed or scheduled value with access to specialist appraisers and restoration networks.

What is a family office insurance program?

A family office program coordinates coverage across multiple entities, trusts, partnerships, and holdings within a multi-generational wealth structure.

What is kidnap, ransom, and cyber extortion coverage?

Personal security coverage addressing kidnapping threats, ransom demands, cyber extortion, and digital privacy incidents for executives and high-profile individuals.