Personal High Net Worth Individuals and Families

We understand the insurance needs of High Net Worth Individuals & Families.

Specialized Coverage for High Net Worth Individuals & Families

Standard, off-the-shelf insurance coverages are not designed to address the needs of high net worth individuals and families. Million-dollar homes come with customized features that are expensive to replace should there be a loss. There may be a fleet of vehicles or a sports car whose value is significant in the event of an accident. Many employ domestic help and sit on boards of directors that come with unique risks. Some have a passion for collectibles like fine art, jewelry, antique cars, and wine that require additional coverage. Unlike the average client, high net-worth individuals often require a mix of personal and commercial lines policies.

Moody specializes in insuring high net worth individuals and families with access to insurance companies that have developed specialized insurance and risk management programs to address the complex property and liability exposures unique to this niche market.

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Coverages Available

  • High Value Homeowners with Replacement Cost coverage and the option to included Extended Replacement Cost or Cash Settlement in the event of a loss.
  • Auto insurance with high liability limits, Agreed Value coverage and other key options available.
  • Collector Car insurance with no depreciation and no deductible.
  • Personal Excess Liability insurance with high limits (up to $100 million) to protect your assets.
  • Directors & Officers Liability insurance to protect your liability as a board member of a non-profit for the actions or inactions of the organization you serve
  • Workers’ Compensation coverage for domestic help.
  • Employment Practices Liability coverage designed to respond to certain claims brought against you by your domestic employees.
  • Vacation Homes, Secondary Residences, or Rental Property insurance.
  • Watercraft/Yacht coverage including Liability and Workers’ Compensation coverage for hired captain and crew.
  • Aviation insurance.
  • Primary and Excess Flood insurance.
  • Life insurance to protect your loved ones, fund a nest egg, or enhance your charitable giving.
  • Disability insurance for extra income protection.
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Benefits of Moody

  • Expertise in identifying, assessing, mitigating and preventing loss to tangible assets and personal wealth from liability risk
  • Exclusive premier carriers that offer specialty products with comprehensive insurance and risk management solutions designed specifically to address the needs of our affluent clients
  • Ongoing, customized insurance and risk management reviews
  • Family office specialists

This description of coverage is not an insurance contract. Your policy is the contract that specifies and fully describes your coverage. Conditions and exclusions will apply. Not all coverage described is available in all states.