High Net Worth insurance

Having the correct insurance for your possessions is important. It is more than just buildings and contents, it is about protecting what you have worked hard for, and ensuring it is there for you and your loved ones for generations to come. It can be a challenge to keep track of the number of valuable items you acquire, whether these are purchased or inherited. High Net Worth insurance gives policyholders peace of mind and superior coverage. In addition to the standard home buildings (including home stables) and contents insurance, we can also cover, holiday homes, jewellery, watches, fine art, antiques, collectables, and motor vehicles all on one policy.  In addition, cover can be arranged for boats, yachts, and aircraft.

Whilst many standard insurers are unable to provide cover for such valuable items, we have joined forces with the dedicated team from our parent company, Specialist Risk Group, to bring you just this. The Private Clients team at Specialist Risk Insurance Solutions (SRIS) have over 80 years of experience and hold longstanding relationships with a panel of specialist insurers. This allows us to provide bespoke solutions that are tailored to the individual requirements of you and your family, fully protecting your high-value property and possessions now, and for generations to come.

Our approach offers a complimentary, independent review of all your personal insurance needs, and offers advice on security and valuations, to ensure you are suitably protected. Depending on the covers required, typically all home and motor covers can be arranged on one single portfolio policy meaning you will only have one renewal date. With a dedicated Client Director, you will receive personal and prompt service in relation to any queries or claims.

To discuss your insurance needs with our Private Clients team, enquire today.

High Net Worth insurance FAQs

  • High-value homes and contents (including listed properties)
  • Holiday homes
  • Outbuildings including stables
  • Jewellery and watches
  • Fine Art, antiques, and specie
  • Motor including high performance, classics, collections, and family fleets
  • Gun collections and gun rooms
  • Wine
  • Yachts and pleasure craft
  • Aircraft

Specialist Risk Insurance Solutions (SRIS) is a Chartered Insurance Brokers, arranging insurance solutions for commercial and corporate businesses and individuals. Governed by the Group mantra, “Difficult. Done Well.”, SRIS craft solutions for specialist insurance needs that other companies actively avoid and solve problems for clients that other brokers cannot solve.

  • One renewal date for all insurance needs
  • An increased single item limit in comparison to standard insurance policies
  • Worldwide cover as standard
  • Warranty free
  • Automatic cover for new purchases and acquisitions
  • Enhanced motor vehicle covers including agreed value
  • All claims managed internally by our multi-award-winning claims team
  • Guaranteed Buildings Sums Insured, following appraisal
  • Peace of mind
In addition to standard physical risks, such as damage and theft, there are also additional risks where cover may provided, including;
  • Financial Crime
  • Bribery and Extortion
  • Cyber Crime
  • Intellectual Property Theft
  • Privacy Intrusion
  • Security Risks – Kidnap and Ransom
  • Carjacking
The risk review is carried out when SRIS begin working with a new high-net-worth client, either by telephone or in person. This gives an intimate understanding of their risk profile so that appropriate guidance and advice can be given. The process is vital as it enables the insurance to be tailored to the individual needs of each client.
It includes:
  1. Reviewing your current level of cover to identify any gaps in insurance or where you may be underinsured
  2. Undertaking a security assessment to ensure you have a sufficient level of security to protect your assets

Cover can be arranged for overseas European premises. Our expert team will work with you to understand the area where your holiday home is located, before crafting bespoke cover to ensure robust protection.

Due to the bespoke, tailored nature of the policy cover required, Insurers understand that flexibility, protection and peace of mind are important to high-net-worth customers. Therefore, typically cover for your possessions is automatically provided on a worldwide basis.