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.
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.