Success brings complexity. Your insurance shouldn’t add to it.
We design comprehensive protection strategies for affluent households and business owners—so your entire portfolio is managed under a single integrated plan.
Don’t leave your legacy to chance.
For private client households, traditional insurance products often don’t go far enough. When your primary home, vacation property, automobiles, collections, and yacht are covered under separate policies and an outdated insurance policy, you can end up with blind spots, inconsistent insurance coverage, and unnecessary administrative complexity.
W3 private client services replaces that chaos with holistic risk management. We act as your dedicated insurance broker and risk advisor, coordinating insurance solutions and professional services across your full set of insurance needs—so no asset goes uncovered, and you gain true peace of mind.
What Defines a Private Client?
Standard insurance products are designed for the average household. Private client risk management is designed for those whose assets and lifestyle exceed standard policy caps generally set for typical policyholders.
Our services are tailored for:
- Owners of Multiple Homes: Whether you own a primary residence, a vacation home, or an international property, we manage the complexity of real estate portfolios across multiple locations.
- Luxury Collectors: We provide specialized underwriting for fine art, wine, jewelry, antiques, collectibles, and high-value automobiles.
- Yacht and Watercraft Owners: From center consoles to luxury yachts, we understand the unique risks associated with life on the water.
- High Liability Exposure: For individuals requiring high-limit personal umbrella or excess liability insurance coverage, we help protect their financial legacy with insurance solutions.
Comprehensive Coverage for Complex Portfolios
We serve as the hub for your wealth management, coordinating specialized coverage options across all aspects of your life.
High-Value Home Insurance
Protect your primary residence, vacation homes, and international properties. We specialize in coverage for custom craftsmanship, coastal property risks in Florida to seasonal homes across the nation. Many of our carriers offer guaranteed replacement cost coverage to ensure full restoration of your personal property without depreciation.
Personal Umbrella & Excess Liability
Protect your legacy from the unexpected. Standard liability limits often fall short for high-net-worth individuals. We provide high-limit excess liability coverage to safeguard your assets against lawsuits arising from domestic staff, board memberships, professional liability, or 3rd party bodily injury or property damage claims.
Luxury Collections & Lifestyle
From fine art and wine to jewelry and antiques, we offer specialized underwriting for your valuable articles. We also address lifestyle risks, including identity theft, kidnap and ransom, and domestic workers’ compensation. We can even review your life insurance requirements.
Marine & Yacht Insurance
Your yacht is more than just a boat. Our dedicated marine advisors understand the nuances of crew coverage, navigational limits, pollution liability and so much more. Whether your requirements are relatively standard or extremely unique, W3 Marine Advisors will help you select coverages tailored to your needs. We understand the intricacies of yacht insurance and work with top-rated carriers to secure it.
Why Choose W3 for Your Private Client Needs?
Holistic Asset Management
We review your entire portfolio to identify gaps and overlaps. Our goal is to provide risk management solutions that offer true “peace of mind” by eliminating the friction of managing multiple carriers whenever possible and focusing on loss mitigation.
Concierge-Level Service
You will never be routed to a call center. You get direct access to a dedicated team of advisors who understand your unique needs and personal insurance history.
Claims Advocacy
In the event of a covered loss or property damage, we don’t just file the paperwork. We stand by your side, working with the adjuster to ensure a fair and prompt settlement.
Access to Premier Carriers
We represent top-tier insurance companies and insurance carriers—such as Chubb, AIG, PURE, and Vault—that specialize in high-net-worth clients and offer superior service and flexibility.
Elevate Your Protection
Your achievements deserve a level of protection that matches your lifestyle. Don’t settle for off-the-shelf advisory services that leave your assets exposed.
Contact Our Private Client Team
FAQs
What Is Considered High Net Worth For Insurance?
Generally, high-net-worth insurance is designed for individuals with significant assets, such as homes valued over $1 million, luxury vehicle fleets, or substantial investment portfolios that exceed standard policy caps.
What Makes High-Net-Worth Insurance Different?
It offers higher coverage limits, broader protection for unique risks (like cyber liability or employment practices for domestic staff), and flexible underwriting that mass-market carriers cannot provide.
Do You Cover Properties In Multiple States?
Yes. We manage your entire portfolio, regardless of location, ensuring consistent coverage across all your properties, whether in Florida, New York, or abroad.
How Do I Choose The Best High-Net-Worth Insurance Provider?
The key is working with an independent insurance broker like W3. We have access to multiple premier carriers, allowing us to compare options and build a tailored solution that fits your specific needs.