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High Net Worth Insurance

Protection for high-net-worth individuals

Customized policies cover the unique risks of people with large assets.

High-net-worth insurance isn’t simply a variation on ordinary personal insurance with higher coverage limits and higher premiums. Instead, it’s designed to cover the unique needs of people with large assets.

High-net-worth insurance brings multiple areas of coverage and expertise together into a comprehensive insurance solution based on an individual’s needs. This usually includes coverage for home(s), vehicles, travel and life insurance. It’s a custom-designed policy that protects an individual’s lifestyle and assets against risks.

For example, if you own luxury vehicles, you may want coverage that ensures you’ll be able to repair a damaged vehicle using the repair shop of your choice and factory-original parts. You may also want to have your vehicle insured for the “agreed value” rather than the market value. This means that you and the insurance company agree to the payout amount up front in the event of a total loss claim.

There are other risks to consider in building a high-net-worth policy. There is coverage for household workers such as nannies and landscapers, identity theft and international travel.

The insurance advisors at Spring Ridge can help you determine the best options to protect your assets. Contact us to get started.


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Talk to a Spring Ridge agent about your insurance needs today.

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(610) 685-2900