Family-office insurance, explained
Family-office insurance is private-client coverage built for high-net-worth households: higher limits, broader valuables protection, and excess liability, coordinated across properties and entities.
Family-office or private-client insurance is coverage designed for high-net-worth households rather than the mass market. It offers higher limits on homes and valuables, meaningful excess personal liability, and coordination across multiple properties, vehicles, and entities, so concentrated personal wealth is not protected by a standard, off-the-shelf policy.
Why standard policies fall short
As wealth concentrates in a few homes, collections, and assets, a standard personal policy quietly becomes the weakest link: limits are too low, valuables are underinsured, and liability protection does not reach far enough. Private-client coverage is built for that reality.
What it typically includes
Coordinated, higher-limit protection across the household.
- High-value home and secondary-residence coverage
- Scheduled valuables: art, jewelry, collections
- Excess personal liability at meaningful limits
- Coordination across properties, entities, and the balance sheet
Common questions
How much personal liability coverage do high-net-worth families carry?
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