Protecting the estate, assets, and lifestyle of high-net-worth individuals and their families with bespoke insurance solutions.
Protecting the estate, assets, and lifestyle of high-net-worth individuals and their families with bespoke insurance solutions.
Specialist Risk Group’s (SRG) Private Clients team delivers a concierge-led insurance service designed for high-net-worth individuals and families. We provide carefully structured protection for complex personal risks, combining technical expertise, discretion, and a proactive approach to safeguarding what matters most.
High-net-worth clients hold unique and diverse assets, from luxury homes and vehicles to art, wine, and collectibles. Protecting these requires a detailed, specialist approach beyond standard insurance. Our Private Clients team provide tailored solutions, safeguarding estates, family offices, and investments both domestically and internationally while offering enhanced cover for peace of mind.
Fire, flood, escape of water, subsidence, and underinsurance risks across primary residences, second homes, and listed buildings.
Loss, damage, or theft of high-value art, jewellery, wine, antiques, and other high-value items.
Collision, theft, storage, and usage risks linked to classic cars, performance vehicles, family fleets, and specialist vehicles.
Heightened risk during refurbishments, extensions, and construction projects including contractor activity, delays, and incomplete works.
Exposure arising from visitors, household staff, domestic employers’ responsibilities, and third-party injury or property damage.
Privacy and security risks linked to smart home systems, remote access, online accounts, and urgent incidents that require immediate response.
Private Clients insurance is designed for high-net-worth individuals and families, including:
Comprehensive protection for high-value homes and contents, with worldwide All-Risks cover and agreed values where appropriate.
Specialist cover reflecting heritage construction, conservation requirements, and the true cost of compliant reinstatement.
Essential protection for employees working in high-risk removal environments.
Cover for privately owned vessels, including hull, machinery, liability, and navigation across UK and international waters.
Insurance for UK and overseas properties, including second homes, seasonal occupation, and extended periods of non-use.
Protection during refurbishments, extensions, or high-value construction projects, including contract works and liability exposure.
Insurance for privately owned office premises, staff arrangements, and associated liability exposures.
Motor insurance tailored for family fleets and specialist vehicles, with agreed values, usage flexibility, and specialist repair arrangements.
Private Clients insurance is designed for high-value assets and complex lifestyles. It offers broader cover, higher limits, agreed values, and tailored terms that reflect how assets are used, stored, and transferred rather than relying on standard assumptions or generic policy wording.
Yes. Many Private Clients choose a consolidated insurance programme covering primary residences, second homes, overseas properties, vehicles, and collections, providing consistent terms, central oversight, and simplified administration.
Policies can provide worldwide All-Risks cover for contents, valuables, and collections, whether items are at home, in secure storage, on loan, or in transit, subject to agreed terms and valuations.
High-value items are typically insured on an agreed value basis, supported by professional valuations. Cover can be extended to include acquisition, transit, storage, and environmental risks, depending on the nature of the collection.
Renovations and construction projects introduce additional risk. Insurance should be reviewed and adapted to reflect contract works, increased rebuild costs, liability exposure, and periods of partial occupation or vacancy.
Yes. Cover can extend to private offices, household staff, domestic Employers' Liability, and associated professional or personal liability exposures linked to family office arrangements.
Motor cover can be arranged for family fleets, classic cars, and high-performance vehicles within a single programme, often including agreed values, specialist repair arrangements, and flexible usage terms.
Insurance can be arranged for overseas homes either within a wider international insurance programme or via local policies coordinated centrally, ensuring consistency of cover and oversight across jurisdictions.
Yes. Personal Liability cover is a core element, protecting against claims arising from visitors, household staff, domestic arrangements, or accidental damage to third parties, both in the UK and internationally.
Claims are managed discreetly and proactively by our in-house claims team. The focus is on continuity, minimising disruption, and protecting long-term interests rather than simply settling the claim.
Regular reviews are essential, particularly following asset acquisitions, disposals, renovations, lifestyle changes, or shifts in residency or tax status. Many clients review annually or alongside wider wealth planning discussions.
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