Private Client
What You Need to Know About High Net Worth Insurance
In addition to commercial and benefit solutions, we provide our clients with a consultative, independent approach to their personal insurance needs.
Private Client Services
Some families and individuals, particularly those who manage large estates, have additional, unique insurance needs. We understand the needs of private clients, and we have a team dedicated to designing and delivering service to individually-tailored programs.
Successful families and individuals have insurance needs that are beyond the scope of most local franchise agents. We understand the needs of private clients. We have a team dedicated to designing individually-tailored coverage and delivering service that reflects the status and expectations of this client group.
Key Distinctions for Private Clients
Experience unparalleled service and customized risk management with our private client insurance, offering confidentiality, broad carrier access, and expert claims advocacy tailored for business owners, executives, and successful families.
- Dedicated service team that is mature and experienced, including extensive backgrounds in serving the unique needs and expectations of private clients.
- Experience working with business owners, principals, executive managers, and successful families.
- Customized risk management perspective in identifying loss exposures and developing tailored solutions to maximize coverage and cost efficiency.
- Strict confidentiality.
- Broad carrier selection, offering access to leading, well-known providers of coverage.
- Service and claim advocacy provides critical help when needed to navigate the often complicated claims process.
Private Client Products
Discover our exclusive private client insurance products, designed to provide comprehensive coverage and tailored solutions to meet the unique needs of affluent individuals and families.
Automobile
Standard, collector, classic, antique, and recreational vehicles as well as motorcycles.
Standard, collector, classic, antique, and recreational vehicles as well as motorcycles. Auto insurance for private clients is designed to cater to a wide array of vehicles, whether they are standard personal vehicles or rare collectibles. Coverage is customizable to include high-value cars with specialized protection for rare, antique, and classic cars that have unique storage and usage considerations. Clients can select from liability, collision, and comprehensive options, with agreed-value coverage for collectibles that considers market appreciation and restoration costs. Specialty policies may also include coverage for original parts, access to trusted repair specialists, and tailored policies that respect the nuances of collectible vehicle ownership.
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Homeowners
Historic, multi-state, rental, seasonal, or secondary properties as well as traditional policies.
Historic, multi-state, rental, seasonal, or secondary properties as well as traditional policies. Homeowners insurance for private clients goes beyond standard policies, offering extensive protection for high-value homes and estates. This includes historic homes that require careful restoration in the event of damage, with policies that cover authentic materials and preservation techniques. For high net worth clients with residences in multiple states, multi-state coverage simplifies their insurance portfolio by ensuring each property is protected under a seamless policy. Seasonal and secondary homes, which may be unoccupied for extended periods, also benefit from tailored coverage that addresses risks like water damage or break-ins during periods of vacancy.
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Collections
Jewelry, fine art, coins, wine, and other collectibles.
Jewelry, fine art, coins, wine, and other collectibles. Collections insurance provides specialized protection for items of high sentimental and market value, ensuring clients’ investments in art, jewelry, and other valuables are well-protected. Policies can be tailored to cover a wide variety of collectibles, including jewelry, fine art, coins, wine, firearms, and memorabilia, each with unique considerations for value, storage, and security. Coverage is often provided on an "agreed value" basis, meaning items are insured at a pre-determined value, ensuring full compensation in the event of loss. For items that may appreciate over time, such as fine art, policies can include market valuation adjustments to reflect current value. Specialized services may also assist in damage restoration, replacement, and secure transit, making it an essential solution for collectors looking to safeguard irreplaceable personal treasures.
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Earthquake/Flood
Broad protection for nature's most costly and destructive natural forces.
Broad protection for nature's most costly and destructive natural forces. For private clients with properties in high-risk zones, these policies provide comprehensive structural protection, helping clients recover from the destruction these natural forces can cause. Earthquake insurance addresses specific issues like structural damage, foundation repair, and even content replacement, while flood insurance covers damage from rising water levels and storm surges. These policies can be customized with higher limits for high net worth clients in areas with elevated risk, ensuring that even large properties can be restored or rebuilt without significant financial strain. Coverage often includes cleanup costs, temporary housing expenses, and other services to support clients through the challenging recovery process.
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Identity Theft
Essential support, including resolution services to help victims restore their identity.
Essential support, including resolution services to help victims restore their identity. Identity theft insurance is essential in today's digital age, offering private clients peace of mind and expert assistance if their identity is compromised. Coverage extends beyond financial losses to include resolution services that help restore personal data, repair credit, and prevent further unauthorized access. High net worth clients also benefit from monitoring services that proactively detect suspicious activity, allowing for quicker response and mitigation. Expense reimbursement is another key aspect, covering the costs associated with restoring identity, such as legal fees, lost wages, and administrative expenses. With cyber threats becoming increasingly sophisticated, this coverage provides a safeguard against the financial and emotional toll of identity theft, ensuring clients can swiftly recover and protect their digital footprint.
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Watercraft
Liability, towing, agreed hull and equipment, and pollution liability.
Liability, towing, agreed hull and equipment, and pollution liability. Watercraft insurance provides extensive coverage tailored to the unique risks associated with owning and operating boats, yachts, and other watercraft. This includes liability protection against injuries or property damage caused while on the water, as well as optional towing coverage for unexpected breakdowns. Policies can be structured on an agreed hull value basis, meaning both the high net worth client and the insurer agree on the watercraft’s value at policy inception, guaranteeing full compensation if the vessel is totaled. Coverage also includes pollution liability, protecting clients against fines and cleanup costs resulting from accidental fuel spillage or environmental damage.
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Wedding and Private Event Insurance
Venue liability, cancellation, and postponement coverages.
Venue liability, cancellation, and postponement coverages. Private event insurance offers vital protection for significant life events, providing financial security and peace of mind should things not go as planned. This insurance covers venue liability, which protects the host if guests are injured or if property damage occurs. Event cancellation insurance reimburses high net worth clients for lost deposits and prepaid expenses if unforeseen circumstances, such as illness, extreme weather, or vendor bankruptcy, force a cancellation. Postponement coverage provides flexibility to reschedule the event and covers additional expenses that may arise from rescheduling, such as venue and vendor fees. With these protections, clients can plan their events with confidence, knowing that unexpected disruptions will not lead to substantial financial loss.
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Excess Liability
Limits available up to $100 million.
Limits available up to $100 million. Excess liability insurance provides a substantial extra layer of protection against high-stakes liability claims, which is crucial for high-net-worth clients. This type of coverage sits above primary policies, such as homeowners, automobile, and watercraft insurance, extending liability limits to provide a financial safety net. With coverage available up to $100 million, excess liability insurance addresses the financial risk of large claims that may arise from accidents, lawsuits, or even international incidents. Many policies include worldwide coverage, ensuring clients remain protected while traveling abroad. This solution provides essential protection for assets and wealth, offering comprehensive liability coverage that adapts to the complexities of high-net-worth lifestyles and minimizes financial exposure.
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Your Insurance Team
Aaron Rumpf
Personal Insurance Account Manager
Call or text: (614) 545-1533
Email: aaron-rumpf@leavitt.com
Aaron’s Favorite Recipe: No Bake Avalanche Cookies
Originally from cookiesandcups.com
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Read the recipe
Total Time: 15 minutes
Yield: 24 cookies
Ingredients
- 2 cups Crispy Rice cereal
- 1 cup mini marshmallows
- 1/2 cup creamy peanut butter
- 1 lb white chocolate
- (optional) – 1/4 cup mini chocolate chips to sprinkle on top
Directions
- Line 2 baking sheets with parchment paper, set aside.
- Mix cereal and marshmallows in a large bowl. Set aside.
- Melt white chocolate and peanut butter together in a double boiler. I prefer using a double boiler for melting white chocolate so it will melt slow and smooth, but if you prefer the microwave, you can do it that way too.
- Once the white chocolate is melted pour it over the cereal mixture and stir until completely coated.
- Drop using a tablespoon onto the lined pans.
- Sprinkle with mini chocolate chips, if desired.
- Place in refrigerators until chocolate is set.
Allison McGinnis
Personal Insurance Account Manager
Call or text: (614) 545-1513
Email: allison-mcginnis@leavitt.com
Allison’s Favorite Recipe: Marbled Pumpkin Cheesecake
Originally from allrecipes.com
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Read the Recipe
Total Time: 7 hrs 40 mins
Yield: One 9-inch cake
Ingredients
- 1 ½ cups crushed gingersnap cookies
- ½ cup finely chopped pecans
- ⅓ cup butter, melted
- 2 (8 ounce) packages cream cheese, softened
- ¾ cup white sugar, divided
- 1 teaspoon vanilla extract
- 3 eggs
- 1 cup canned pumpkin
- ¾ teaspoon ground cinnamon
- ¼ teaspoon ground nutmeg
Directions
- Preheat oven to 350 degrees F (175 degrees C). In a medium bowl, mix together the crushed gingersnap cookies, pecans, and butter. Press into the bottom, and about 1 inch up the sides of a 9 inch springform pan. Bake crust 10 minutes in the preheated oven. Set aside to cool.
- In a medium bowl, mix together the cream cheese, 1/2 cup sugar, and vanilla just until smooth. Mix in eggs one at a time, blending well after each. Set aside 1 cup of the mixture. Blend 1/4 cup sugar, pumpkin, cinnamon, and nutmeg into the remaining mixture.
- Spread the pumpkin flavored batter into the crust, and drop the plain batter by spoonfuls onto the top. Swirl with a knife to create a marbled effect.
- Bake 55 minutes in the preheated oven, or until filling is set. Run a knife around the edge of the pan. Allow to cool before removing pan rim. Chill for at least 4 hours before serving.
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