PRIVATE CLIENT PRODUCT OVERVIEW
Private Client policies and coverages are customized to fit the needs of our clients. They are designed with the flexibility to insure substantial assets within an easily managed policy. As your unique needs change, we will work with you to adapt your policy to better suit you.
There are many advantages to a Private Client policy. Our homeowners policy offers protection broad enough to include unlimited Replacement Cost* for dwellings and extensive protection on personal property. We also include travel and ID theft assistance, as well as exceptional Loss of Use coverage in our homeowners policies. Private Client automobile policies automatically include Roadside Assistance and a 24 hours a day, 365 days a year concierge-style claims service.
Additional coverages include personal excess liability for crisis management and defense, personal collections with blanket or scheduled offerings and recreational vehicles.
* Except in instances of new construction and/or renovation that has been vacant or unoccupied for more than 30 days.
Your home is your biggest investment. Whether it's a new construction, classic colonial or downtown condominium, Private Client policies offer comprehensive homeowners insurance to help meet your needs.
We designed our homeowners policy with following benefits:
• Unlimited Replacement Cost Coverage*
• Up to 100% of dwelling value for building ordinance and law
• Increased Personal Property Special Limits of Liability
• Identity Theft
• Assisted Living Care Coverage Available with Endorsement
• Travel Assistance coverage
Our advisors are available to conduct a home inspection and consultation focusing on loss mitigation, insurance-to-value, underwriting validation, home safety, catastrophe evaluation and security.
WATERCRAFT LIABILITY & WATERCRAFT PHYSICAL DAMAGE
As a Private Client policyholder, you can cover damages and liability to your watercraft with an endorsement to your homeowners policy. Whether it’s a larger vessel or smaller recreational boat, we offer watercraft liability up to $1,000,000 and a wide range of physical damage coverages.
As part of this elected endorsement, physical damage coverages are comprehensive. The agreed amount coverage includes your watercraft, boating equipment and outboard motor in the event of a total loss. We also provide salvage expense coverage, up to 25% of your limit, as well as special limits for towing, personal effects and assistance expense.
Based on your individual needs, we work to identify the best coverages and any protection credits that may be available. Give us a call for more information about our products and services.
*Replacement Cost is limited for new construction and/or renovations that are vacant and/or unoccupied for more than 30 days.
We understand that you rely on your car to protect you and your family, not just for transportation. When accidents occur, we are dedicated to helping you get back on the road quickly and with as little disruption as possible.
All Private Client automobile policies automatically include Roadside Assistance, which provides flat tire repair, jump start service, coverage for trip interruption expenses and towing within 100 miles of where your car is disabled. In the event of a covered total loss, we offer auto loan and lease gap coverage to pay the difference between the financed amount of your vehicle and its market value. Agreed value coverage, an optional endorsement, is also available to protect your car against annual depreciation. Our automobile insurance includes pet injury coverage to pay for reasonable expenses incurred during a covered loss.
The Private Client New Car Replacement Coverage endorsement protects the value of your car, when less than three years old. You may also ask us to agree to a value at the time you place or renew your policy. That way, we would pay the stated amount, rather than the depreciated settlement amount determined at the time of loss.
In the event of a claim, you can reach claims specialists 24 hours a day, 365 days a year. You will have a claims specialists assigned to help you through the process by resolving your claim fairly and in a timely manner.
You have spent a lifetime collecting the perfect items. Your collection is unique to you and we understand that. Private Client coverages are specifically designed to protect your prized belongings.
Our personal collections insurance can be customized to meet your needs. Whether you select blanket coverage for an entire class of collections or individually schedule each item, your coverage applies worldwide, without deductibles. When you purchase a new item for an existing class, we will extend coverage to newly acquired articles for you*. The Private Client personal collections policy automatically includes breakage and pair-and-set coverages, should any damage occur to one or more pieces of the set.
Based on your individual collection, we will work with you to identify the best coverages and any protection credits that may be available. Give us a call today for more information about our products and services.
*Subject to policy limitation and notification requirements.
PERSONAL EXCESS LIABILITY
No matter how careful you are, the world is full of uncertainty. By selecting Private Client personal excess liability coverage, we will expect the unexpected for you to protect your hard-earned assets.
Our personal excess liability policy grants you an additional layer of protection above your basic liability insurance, for added peace of mind. We offer high limits for Uninsured/Underinsured Motorist coverage, if you are involved in an accident with a driver who has insufficient or no liability insurance. Our policy also extends temporary personal excess liability coverage to motor vehicles you rent or borrow with no geographic limitation. In the unfortunate event of a lawsuit, your personal excess liability policy will allow you to consult with a law firm of your choice*. We even cover liabilities resulting from volunteer work, charitable activities and residence employees.
Private Client’s personal excess liability policy is a great investment to secure your financial stability, so you can focus on what's most important to you. Give us a call today for more information about our products and services.
*Policy limitations apply.