Protection Designed for Complex Households and High-Value Assets
High-net-worth families often face risks that standard insurance wasn’t built to address. From layered liability coverage to protection for fine homes, valuables, and unique exposures, we help you build a plan that reflects the realities of your lifestyle. Our team works alongside you to align coverage with your broader financial picture, estate planning, and long-term priorities.
Independent Access
We place coverage across multiple markets to fit your risks, limits, and lifestyle without product bias. (Tailored placements for specialty homes, valuables, and luxury autos.)
Concierge Guidance
Appraisal help, scheduling strategy, and proactive renewal reviews, so values, limits, and terms keep pace with life events.
Coordinated With Your Plan
We align policies with entities, trusts, and your CG Financial plan to reduce gaps, simplify claims, and protect legacy goals.
Our Solutions
High-Net-Worth (HNW) Grade Coverage
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Agreed-Value & Cash-Settlement Options
Many HNW programs settle total-loss autos on an agreed value and may allow cash settlement options on valuables or fine art avoiding depreciation disputes and giving flexibility at claim time.
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Market-Value "Cushions" on Scheduled Items
Select valuables policies can pay up to 150% of the scheduled amount if an item's market value has risen since the last appraisal, helping match real-world replacement costs.
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Pairs/Sets & Loss-of-Market-Value Treatment
Specialty wording can cover the full set when one piece is lost or damaged and compensate for diminished value after repair, key for collections.
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Personal Cyber & Reputation Support
HNW personal-cyber options can include incident response, data restoration, cyber-extortion handling, and access to crisis management resources.
Insurance Coverage
Private Client Coverages
High-Value Home
Extended dwelling solutions and like-kind rebuild guidance for architect-designed, historic, or coastal/lakefront homes.
Good for: Custom builds • Historic/heritage homes • Lakefront/secondary estates
Valuable Articles & Collections
Scheduling strategy for jewelry, fine art, wine, instruments, and memorabilia, addressing pairs/sets and market-value swings.
Good for: Jewelry • Fine art • Wine & rare collectibles
Personal Excess (Umbrella) — High Limits
Higher liability limits layering over home/auto/watercraft with options for entity and staff exposures.
Good for: Multi-property households • Public-facing roles • Domestic staff
Luxury & Collector Auto
Agreed-value settlements, OEM-parts preferences, and specialty repair guidance for exotics and collector vehicles.
Good for: Exotics • Restorations • Limited-use/show cars
Secondary & Vacation Homes
Protections tuned for seasonal occupancy, off-site storage, rental exposure, and varying municipal requirements.
Good for: Up-north retreats • Out-of-state condos • Seasonal rentals
Watercraft & Yacht
Hull, liability, and tenders coordinated with personal excess for marina and navigation-limit requirements.
Good for: Great Lakes boating • PWCs • Yachts
Personal Cyber
Response services for cyber-extortion, account takeover, and data restoration; guidance on digital-hygiene improvements.
Good for: Executive households • Frequent travelers • Digital-heavy families
Our Process
How We Work
Our personalized approach helps ensure your complex assets and lifestyle are protected with thoughtful, attentive guidance and the right level of coverage.
Profile & Map
Inventory properties, valuables, entities/trusts, drivers, travel, and online posture.
Right-Size the Layers
Home/valuables, auto, watercraft, and excess liability across multiple markets to fit limits and terms.
Proactive Reviews
Appraisal updates, schedule audits, life-event changes, and claims advocacy.
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Coordinate with CG Financial
Coordinate coverage, entities, and legacy planning with your CG Financial team to help reduce gaps and support a more seamless estate strategy.
