High-Value Residences
Specialised protection for luxury homes, holiday homes and other high-value residential properties, including eligible contents and valuables.
High Net-Worth Solutions
Bespoke Protection For Complex Wealth
For high-net-worth individuals and families, protecting wealth goes beyond individual policies. Our High Net-Worth Solutions bring together tailored protection for your lifestyle, assets, liabilities and evolving needs.
High-Value Asset Coverage
Personal Liability Protection
Lifestyle & Family Protection
What Is High Net-Worth Solutions?
Understanding High Net-Worth Solutions
High Net-Worth Solutions are specialised insurance and risk management solutions for individuals and families with significant assets and unique lifestyle exposures. From luxury residences to art, jewellery and international travel, conventional insurance may not adequately cover these risks.
What Does It Cover?
- High-Value Homes
- Valuable Contents
- Luxury Vehicles
- Personal Liability
- Travel & Lifestyle Risks
Example:
An individual owns a ₹15 crore residence, high-value jewellery and artwork, and multiple luxury vehicles. A High Net-Worth insurance solution can combine protection for these assets along with personal liability and worldwide coverage, subject to the applicable policy terms, limits, and exclusions.
Coverage Components
Comprehensive Protection for Your Wealth & Lifestyle
Fine Art, Jewellery & Collectibles
Tailored protection for jewellery, watches, artwork, antiques and other valuables, subject to valuation and policy terms.
Luxury & High-Value Vehicles
Protection solutions for premium and luxury automobiles, vintage vehicles and other high-value personal vehicles.
Personal Liability
Protection against covered personal legal liabilities arising from specified incidents, helping safeguard personal wealth and assets.
Domestic Staff Protection
Insurance solutions addressing eligible risks associated with domestic employees and household staff.
Global Travel & Lifestyle
Worldwide protection solutions for frequent international travellers and families with global lifestyle requirements.
Cyber & Identity Protection
Specialised protection against selected personal cyber, identity and digital risks affecting high-net-worth individuals and families.
Family & Legacy Protection
Risk solutions designed to support the protection and continuity of family wealth across generations.
Advisory Support
A Holistic Approach to Private Client Risk
Your wealth is unique. Your insurance should be too.
- 1.
Private Client Risk Assessment
We understand your assets, lifestyle, family structure, geographical exposure and existing insurance to identify protection gaps
- 2.
Bespoke Risk Mapping
We assess individual assets and liabilities collectively rather than treating each risk as an isolated insurance requirement.
- 3.
Tailored Policy Structuring
Our specialists design a coordinated insurance programme with appropriate limits, deductibles and specialised covers for you.
- 4.
Dedicated Claims Advocacy
In the event of a claim, our team provides personalised support and coordinates with insurers through the claims process.
- 5.
Ongoing Portfolio Review
As your assets and lifestyle evolve, we periodically review your insurance portfolio to keep your protection current.
Protect what you've built.
Preserve what matters.
Your wealth represents more than assets—it represents years of achievement, family aspirations and a way of life. Let us build a protection strategy designed around the things that matter most to you.
Frequently Asked Questions
Answers to Common Insurance Queries
Complex asset portfolios, high-value residences, collections, jewellery, specialised vehicles, international exposure and bespoke liability requirements can require higher limits and tailored wording.
Valuation should reflect current replacement or market considerations, specialist asset characteristics and applicable policy valuation provisions to minimise underinsurance.
Equirus Raghnall evaluates the client's overall asset profile, locations, valuables, vehicles, liability exposures and international requirements before designing an integrated insurance programme.
Individual assets and liability exposures are mapped across relevant policies and limits to identify overlaps, gaps, valuation issues and opportunities for coordinated coverage.
