Private Client Insurance: What It Is—and Why You Might Need It

We Have Compelling Solutions

You’ve worked hard to get where you are. Your insurance coverage should reflect your success and exceed your expectations.

That’s where Patriot Premier Client comes in. We offer high-touch, first-class protection that is designed for individuals with elevated lifestyles and higher-value assets. It’s not one-size-fits-all – it’s tailored, comprehensive, and built to make you whole swiftly and fairly if you experience a loss.

What Exactly Is Premier Client Insurance?

Also referred to as high-net-worth insurance, premier client insurance is a customized package of high-limit, specialty insurance solutions tailored to meet the needs of affluent, successful families and individuals. It’s designed for situations where traditional policies fall short – either in terms of limits, services, or responsiveness.

If your current policies feel pieced together or inadequate – or if your home, vehicles, or valuables exceed standard policy limits – it’s time to explore a better solution. At Patriot Growth Insurance Services, our Premier Client Team makes it easy to see what a more refined approach to protection can look like.

Who can benefit from our Premier Client Services?

This coverage is built for individuals and families who have more to protect; whether that’s multiple homes, luxury vehicles, valuable collections, or legacy assets. Typical clients include successful professionals, entrepreneurs, business owners, celebrities, athletes, and families with generational wealth.

These clients are also looking for a higher standard of service:

· Dedicated advisors

· Proactive risk management support

· Claims handling that goes above and beyond expectations

What We Deliver

Premier client insurance typically bundles several policies into a coordinated, high-limit package tailored to your specific needs. Key components may include:

· High-Value Home Insurance: Covers primary and secondary residences – often with rebuild costs exceeding $1M, and includes features like pools, guest houses, and custom finishes.

· Valuable Articles Coverage: Protection for art, jewelry, wine, antiques, and other collectibles with worldwide coverage and agreed-value terms.

· Luxury Auto Insurance: Coverage for private-passenger, high-performance, or collector cars with agreed value replacement and premium service expertise.

· Yacht & Aviation Insurance: Protection for private watercraft and aircraft, including crew liability and international travel.

· Excess Liability (Umbrella): High-limit liability coverage to protect your estate and assets.

· Cyber Liability: Safeguards against identity theft, cyber extortion, and digital threats are especially important for families with a significant online presence.

· Kidnap & Ransom Insurance: Added personal security for global travelers and public figures.

· Flood: Protection against the financial impact of flooding with coverage and service above industry minimums.

Experience the Benefits

Premier client insurance protects more than just assets – it protects a way of life. Traditional insurance often fails high-net-worth clients because:

· Coverage limits often aren’t sufficient to make you whole

· Unique assets are undervalued or improperly covered

· Claims processes lack speed and sophistication

· Global exposures aren’t adequately addressed

Our team of professionals can ensure you eliminate these gaps with personalized underwriting, proactive risk management, and a level of service that exceeds your expectations.

Where to Turn

Your success is personal, and your protection should be too. We craft insurance that mirrors your ambition, shields your achievements, and preserves everything you’ve built with purpose.

Contact Patriot Growth Insurance Services to connect with a Premier Client expert. We’ll help you explore top carriers, tailor coverage to your needs, and deliver the peace of mind you and your family deserve. PremierClient@patriotgis.com