Auto

While basic auto insurance provides protection suited to most cars on the road, higher-value autos need higher levels of protection. Some key features of these types of policies can include:

• Higher Coverage Limits: Private client policies offer much higher limits, often into the millions of dollars, ensuring the full value of assets is protected.
• Agreed Value Coverage: Instead of covering the depreciated “actual cash value,” these policies often use an “agreed value” or “guaranteed replacement cost” determined upfront with the insurer. In the event of a total loss, you receive that full amount.
• Comprehensive, All-in-One Policies: You can typically insure all you vehicles (everyday cars, antiques, motor homes, ATVs, yachts, etc.) under a single, seamless policy with one premium.
• Extended Liability Protection: This coverage often integrates with a personal umbrella liability policy, providing an extra layer of protection (up to $100 million or more) against lawsuits that could threaten your entire asset base.
• Specialized Claims Handling: You receive a dedicated claims team or account manager experienced in handling high-value items, offering “white glove” or concierge-level service.
• Flexible Repair Options: Policies may guarantee the use of original manufacturer’s parts and allow you to choose your preferred repair shop, ensuring vehicles are restored to their original condition.
• Worldwide Coverage: Many policies provide liability and physical damage coverage no matter where you travel, which is essential for those who frequently travel internationally.
  Additional Perks: Benefits can include trip interruption coverage, personal property coverage within the vehicle, and even pet injury coverage.