The more you’ve built, the more there is to protect.
Bespoke protection for high-value homes, autos, collections, and the life you’ve built
High-value homes, rare automobiles, fine art, yachts, and multi-generational wealth carry risks that standard personal insurance was never designed to handle. Affluent families face exposures tied to significant assets, public visibility, domestic staff, international travel, and the sheer cost to rebuild or replace what they own. A single underinsured estate, collection, or liability claim can create a loss that an off-the-shelf policy simply will not cover.
High net worth and private client insurance is built differently. Coverage is tailored to the true replacement value of your property, structured with the high liability limits your lifestyle warrants, and placed with specialty carriers that understand affluent households. The result is protection designed around your life — not squeezed into a standard form.
Homes & Estates
Your home is far more than walls and a roof — it is where your life happens, and where you have invested not only money but memories. Whether it is a primary residence or a portfolio of properties, private client coverage protects every detail, from handcrafted finishes and rare architectural design to full rebuilding cost with no cap on covered repairs. We insure estates to their true worth, so the beauty, value, and legacy of your homes are preserved for the next generation.
Automobiles & Collector Vehicles
For collectors, driving is about the feel of the engine, the craftsmanship, and the pride of ownership. Exotic sports cars, rare vintage models, and entire collections are covered on agreed-value terms that honor what a vehicle is truly worth — not a depreciated book value. Coverage can extend to spare parts, restorations, and time on the track, protecting the passion behind every car you own.
Fine Art, Jewelry & Prized Collections
The pieces you collect carry stories, history, and deep personal value. From heirloom jewelry and fine art to rare instruments and private wine cellars, valuables coverage is built for the irreplaceable — insured on scheduled, agreed-value terms with worldwide protection. Your treasures stay covered whether displayed at home, in transit, or on loan, so they can be enjoyed today and passed down for generations.
Personal Excess Liability (Umbrella)
The more you have built, the more there is to protect. High-limit umbrella and excess liability coverage shields you from the lawsuits and claims that can follow visibility and wealth — from an accident at home to an incident abroad. With limits structured to match your net worth, you gain the confidence to host, travel, and live without hesitation.
Yachts & Watercraft
Owning a yacht or luxury vessel is about freedom, joy, and the experiences you share with family and friends. Coverage is tailored to the way you sail — protecting the hull, your crew, and your liability, whether you are exploring distant shores or enjoying a quiet weekend cruise. Your vessel and your peace of mind stay secured wherever the water takes you.
Farms, Ranches & Equestrian Estates
Your land is more than property — it is a way of life. Whether you are raising horses, cultivating vineyards, or running a working ranch, coverage is designed around the unique risks and rewards that come with it. We protect your livestock, crops, equipment, outbuildings, and the rural lifestyle you have built for yourself and your family.
What’s Commonly Overlooked
Private client programs are often weakened by:
Homes insured to market value rather than true rebuilding cost — a shortfall that surfaces only after a total loss.
Art, jewelry, and wine collections left unscheduled, or valued years out of date.
Umbrella limits set well below household net worth, leaving personal assets exposed.
Domestic staff — nannies, housekeepers, estate managers — without proper workers' compensation or employment liability coverage.
No protection for cyber fraud, identity theft, or family security and travel risk.
Coverage gaps and inconsistent limits spread across multiple homes, vehicles, and states.
Why a Private Client Approach Matters
Affluent households are not simply larger versions of the average policyholder. The value at stake, the visibility, and the complexity of multiple homes, vehicles, and collections call for carriers and coverage forms built specifically for private clients. Placement, valuation, and liability structure determine whether a claim is paid in full or falls painfully short — and those decisions are best made before a loss, not after.
Our Approach
At Cory Washington & Co., we build high net worth and private client programs around your entire world — your homes, vehicles, collections, watercraft, land, and liability — coordinated into one coherent program rather than a patchwork of disconnected policies. Licensed in all 50 states, we place coverage through specialty private-client carriers that compete for your account, insure your assets to their true value, and structure liability limits to match the life you have built. Then we explain every trade-off in plain English, so you can protect what matters most with complete confidence.
Related coverage: Umbrella / Excess Liability · Kidnap, Ransom & Extortion · Cyber.
All insurance descriptions on this website are provided by Cory Washington & Co. LLC strictly for general informational purposes. They are not intended to be, and should not be relied upon as, legal, financial, or insurance advice. The information presented is general in nature and does not guarantee the availability, terms, conditions, or scope of any insurance coverage. Actual coverage is determined solely by the specific policy language issued by the insurer and remains subject to underwriting approval. Nothing on this website creates or implies an agent-client relationship, binds coverage, or alters any existing policy. Cory Washington & Co. LLC expressly disclaims any liability for actions taken, or not taken, based on the content provided here. For advice regarding your particular situation, please consult directly with a licensed insurance professional at Cory Washington & Co. LLC or another qualified insurance professional, and always review your policy documents in full.
Frequently Asked Questions
How do I get high net worth and private client insurance through Cory Washington & Co.?
Request a quote or contact our team. We start with a short conversation about your operations, analyze your exposures, then negotiate high net worth and private client insurance across multiple carriers that compete for your account and present options with the trade-offs explained. Cory Washington & Co. LLC is licensed in all 50 states.
How are high net worth and private client insurance premiums priced?
Premiums vary from business to business. The main drivers of high net worth and private client insurance pricing are the nature of your operations, your revenue and payroll, your loss history, and the limits you carry. Rather than quote a flat figure, we negotiate across several markets and walk you through the options, so you only pay for the protection you actually need.
Is high net worth and private client insurance mandatory?
Whether high net worth and private client insurance is strictly required depends on your state, your contracts, and your lenders or clients. Even where it is not mandatory, going without it can leave serious financial gaps. We assess your exposure and any contractual requirements, then structure coverage that meets both.
What if another agency has already declined or non-renewed my coverage?
Difficult, specialty, and previously-declined placements are a core part of our work. We access excess & surplus (E&S) and specialty markets that many generalist agencies cannot, and we explain the trade-offs clearly so you can decide with confidence.
Available in all 50 states. See how requirements differ in California, Texas, Florida, New York, or choose your state.