High Net-Worth Solutions
Bespoke insurance solutions designed around high-value assets, complex personal risks and specialised lifestyle requirements.
Private Client Group
Private Wealth Deserves Personal Attention
Protecting significant wealth takes more than a collection of policies. Our Private Client Group combines bespoke insurance, specialist expertise and dedicated service for high-net-worth individuals and families.
Bespoke Risk Management
High-Value Asset Protection
Specialised Liability Solutions
What Is Private Client Group?
Understanding Private Client Group
The Private Client Group (PCG) addresses the complex, evolving insurance needs of high-net-worth individuals and families. Multiple residences, luxury vehicles, fine art, jewellery, domestic staff, travel and liabilities create exposures standard insurance may not adequately address.
What Does It Cover?
- Home & Property Protection
- Valuable Possessions
- Luxury Vehicle Protection
- Personal Liability Protection
- Lifestyle & Global Protection
Example:
A high-net-worth family with a luxury residence, valuable jewellery and artwork, premium vehicles, and international travel requirements can have these exposures addressed through a comprehensive PCG insurance solution, subject to the applicable policy terms, limits, and exclusions.
Coverage Components
Comprehensive Protection for Your Lifestyle & Wealth
Luxury Homes & Properties
Protection solutions for high-value residences, holiday homes and other properties, including eligible buildings, contents and valuables.
Fine Art, Jewellery & Collectibles
Specialised protection for valuable artwork, jewellery, watches, antiques, collectibles and other prized possessions.
Luxury & High-Value Vehicles
Tailored solutions for premium automobiles, vintage and classic vehicles and other high-value personal assets.
Risk Management
Review of loss scenarios, controls, deductibles, and retained risk.
Personal Liability
Protection against covered personal liabilities that could otherwise expose significant personal assets and wealth.
Travel & Global Lifestyle
Solutions designed for individuals and families with frequent international travel, global residences or international lifestyle exposures.
Personal Cyber Protection
Protection against selected cyber, identity and digital risks affecting individuals and families in an increasingly connected world.
Family & Legacy Protection
Insurance and risk solutions that support the long-term protection and continuity of family wealth.
Advisory Support
Your Wealth. Your Lifestyle. Your Protection
Every client's assets, family and lifestyle differ. Our approach is built around your individual risk profile, not a standard template.
- 1.
Understand
We begin by understanding your assets, lifestyle, family needs, locations and existing insurance.
- 2.
Assess
Our specialists identify risks, coverage gaps, overlaps and areas where conventional insurance may fall short.
- 3.
Structure
We design a coordinated insurance programme with appropriate limits, deductibles, extensions and specialised coverage.
- 4.
Protect
We place the programme with suitable insurers and provide ongoing support across policy administration and servicing.
- 5.
Review
Your wealth and lifestyle evolve. We periodically review your protection programme to reflect your changing requirements.
Protect What You've Built.
Preserve What Matters
Your wealth represents more than financial assets. It reflects your achievements, your lifestyle and what you want to preserve for the future. Our Private Client Group brings together the expertise and solutions needed to protect the things that matter most.
Frequently Asked Questions
Answers to Common Insurance Queries
Private Client Group solutions are designed around the client's complete asset and liability profile rather than isolated policies, allowing high-value and complex exposures to be addressed collectively.
Location-wise assets, values, ownership, usage and liability exposures should be mapped to ensure appropriate limits and avoid fragmented or inconsistent protection.
Equirus Raghnall conducts a holistic assessment of assets, properties, valuables, vehicles, personal liabilities and international exposures before structuring comprehensive protection.
The portfolio is reviewed collectively to identify coverage overlaps, uninsured exposures, inadequate limits and inconsistencies between individual policies.
