Private Client Insurance
Beyond personal
At Core Assurance, we take a holistic approach to mitigating your risks. Our goal is to understand your long-term goals and create customized insurance solutions to protect your assets. Your valuable portfolio often has unique coverage requirements not available on standard insurance policies. Our specialists are uniquely equipped to manage the most complex personal insurance requirements and are experts in program design, placement, and administration. In addition to the enhanced terms and conditions we provide, you can expect concierge-level service and attention to detail, privacy and confidentiality.
- Homeowners
- Distinctive and High Value Homes
- Historic and Fine Homes
- Condos/Co-ops
- Penthouses
- Renters
- Automobile
- Exotic and Luxury
- Collector Vehicles
- Motorcycles
- Private Passenger
- Private Collections
- Jewelry
- Fine Art
- Wine
- Antiques
- Silver
- Personal Watercraft
- Super & Luxury Yachts
- Sailboats
- Power Boats
- Private Aviation
- Ranch and Farm
- Equine Ownership
- Fraud and Identity Theft
- Worldwide Travel & Accident Cover
- Kidnap, Ransom and Extortion
- Employment Practices Liability
- Workers’ Compensation for household employees
- Excess Liability/Umbrella
- Catastrophe pre and post planning
- Flood
- Wind and Hurricane
Client Success Stories
THE CLIENT: Private Client / $11.3M Insured Value / $41,000 Annual Premium
THE CHALLENGE: Upon completing a full review of their insurance program with another broker, we identified many areas where the client was under-insured. We also discovered a property that was un-insured.
CORE SOLUTION: We marketed the account and prepared a comprehensive proposal, sitting down with the client to discuss their options.
OUTCOME: The client accepted the proposed Private Client program:
THE CLIENT: Private Client / $1.5M Insured Value / $16,500 Annual Premium
THE LOSS: Two of the owner’s luxury SUVs were involved in an auto accident within one week of another.
CORE SOLUTION: We advocated strongly on behalf of the client with the carrier and negotiated with all parties, including the rental company, multiple body shops, and dealerships. When delays from the manufacturer for replacement parts would have led to the client’s rental car coverage expiring, we guided them to obtain financial assistance from the dealership. We monitored this claim weekly to facilitate a faster resolution, and provided the client with updates at every step.
OUTCOME: One vehicle was declared a total loss, and the other was repaired. Extended rental car coverage was provided, and the client was satisfied with the settlement received on both vehicles.
THE CLIENT: Private Client / $1.2M Insured Value / $3000 Annual Premium
THE LOSS: Water from the client’s shower damaged multiple rooms in their home.
CORE SOLUTION: We guided the client through filing a claim with their carrier, monitored the claims process end-to-end, and provided the client with next steps at each phase. We mediated between the adjuster, independent adjuster, and the vendor on behalf of the client, reviewing estimate discrepancies with the carrier.
OUTCOME: Despite an initial partial denial, the client received a full settlement. The client expressed their gratitude for CORE’s assistance as it was their first claim experience.