These are not your everyday cars and deserve more than everyday insurance. Your collection is as distinct and individual as you are, and whether it is comprised of vintage, classic, modified, custom, or all of the above, protection, with proper agreed value, is key.
We work with you to discover the unique exposures of your Luxury, Antique & Collector Cars.
You put time into building your collection, let us put time into making sure it is properly insured.
Coverage for Personal Watercraft & Yacht policies may include Electronic Navigation and Communications Equipment, Rental Reimbursement, Captain and Crew Liability, Bottom Inspection, Increased Fishing Tackle Benefits, Agreed Value, Replacement Cost Loss Settlement, Medical Payments, Uninsured Boater, Oil Pollution Act of 1990 (OPA), Marine Environmental Damage, Longshore and Harbor Workers’ Compensation Act (LHWCA), Towing & Assistance, Search & Rescue/Emergency Services, Tender/Dinghy, Boat Show & Demonstration, Hurricane Haul-Out and Automatic Coverage for Marinas as Additional Insured.
Do you require all of these coverages? Perhaps not. But to be sure, contact us today.
Horse ownership is a big commitment, filled with reward and risk - making coverage for maintenance, well-being, and liability essential.
Each policy is as unique as the circumstances in which they may be used, so contact our private client advisors and we can personalize yours.
Coverages may include Equine Liability, Farm Package, Full Mortality, Horse Club Liability, Limited Mortality, Loss of Use, Stallion Infertility, Surgical.
Jewelry & Private Valuables
Jewelry, sports memorabilia, coins, stamps, furs, firearms, cameras, electronics, musical instruments, antiques, china, pedigreed dogs...sometimes the value in your collection is obvious, but other times your private valuables are worth more than you realize.
Do not rely on a standard homeowners policy for your non-standard items. Our Private Client Advisors are knowledgeable in Valuable Items Coverage. For peace of mind, let us explore your options for you.
Collections are acquired with pride and persistence and often take time to amass. That is why it is so important to have the proper coverage to protect your valuables against damage due to earthquake, fire, flood, theft, breakage, mold, moth or even dry-cleaning.
Domestic Employees, hired to assist your family at your primary or vacation property, can include nannies, housekeepers, drivers, chefs, landscapers, private nurses, caretakers...
Having private employees onsite creates its own type of liability, so proper coverage is imperative. With the human factor, the risk of accidents, alleged wrong-doing, or legal action is high.
Domestic insurance services may include Worker's Compensation, Employment Practices Liability, Personal Liability, Medical Expense Coverage, Security Services, Management Professional Liability, Background Checks for Domestic, Fidelity Coverage, Vulnerability Assessment
Art is valued for its beauty and ability to evoke emotion but faces risk and exposure that may feel abstract but can cause real issues to any collection such as theft, damage from elements, transport, even people. Relying on your standard homeowner's policy for coverage is not recommended.
Different coverage options for your art collection are available. Be sure to discuss your needs with our Private Client Advisors. Some items to consider is if your artwork will ever be displayed outside your home or on loan.
Policies may cover:
Replacement - coverage for art if it is stolen or destroyed
Restoration - coverage for partial damage that can be repaired.
Lost Value - such as if a required repair reduces the market value of your piece.
Our Private Client Advisors will explain if your collection should be insured for its replacement value, or for the original value.
Your collection is special and should be treated as such.
Insurance coverage for TV, Special Events, Interviews and Public appearances.
High-profile individuals should consider this coverage, as you may become a target should a lawsuit be filed for what is said to the general public.
Your success makes you unique, and your extra coverage should be as well.
Supplementing your overall asset protection plan with Excess Liability insurance is recommended to protect against bodily injury liability claims, property damage liability claims, and even uninsured/underinsured driver incidents.
Defense costs, worldwide protection, additional EPLI and not-for-profit board liability are just some of the coverages available, including customizable high limit coverage, suited to your personal needs.
In the United States, at least eight of 10 users have a home data network connected to smart devices, entertainment systems, gaming consoles, etc. and an extensive online social footprint, which opens up exposures to cyber-crime, ransomware and hacking. Success means coverage beyond basic identity concerns is necessary, such as data and even reputation restoration, crisis management, and credit monitoring.
In addition to cyber-crime, coverage for cyber-bullying is also available, including coverage for a range of expenses connected to the physical and emotional damage caused by cyberbullies.
Kidnap, Ransom & Extortion
Could the unthinkable happen? By securing coverage for kidnap, ransom, extortion, wrongful detention, and/or hijacking, the loss incurred may be reimbursed. This will not assuage the emotional aspect, but if your stature makes these scenarios a possibility for you and your loved ones, having coverage in place is necessary, in the event the unimaginable comes to pass.
Policies do not typically pay on behalf of the insured but may reimburse for:
Ransom monies - Money paid or lost due to kidnapping
Transit/delivery - Loss due to destruction, disappearance, confiscation, or wrongful appropriation of ransom monies being delivered to a covered kidnapping or extortion
Accidental death or dismemberment - Death or permanent physical disablement occurring during a kidnapping
Judgements and legal liability - Cost resulting from any claim or suit brought by any insured person against the insured
Additional expenses - Medical care, severe disruption of operations, potential damage to company brand, PR counsel, wage and salary replacement, relocation and job retraining, and other expenses related to a kidnapping incident.