Specialist insurance for high net worth individuals

We provide specialist high worth insurance, managed by a dedicated Art & Private Client team with a wealth of knowledge and expertise. 

Working with you

We’ll work with you to establish the cover your clients require and we aim to provide them with more than just an insurance policy.  

  • Our broad risk appetite and flexible underwriting solutions mean we are able to protect truly exceptional possessions.
  • Our capacity is £100million for buildings and contents and £155million for art.
  • Fine Art insurance can be provided on a standalone basis or as an extension where extra protection is required.
  • You and your clients will have access to our expert risk advice line on: 0345 600 7531.
  • We give you direct access to specialist claims handlers on: 0345 268 6020.
I think it is very important to have a good working relationship with Insurers and I cannot speak enough of how highly I rate Kara as both a claims handler and as a referral point for the finer points of the Ecclesiastical Policy.


High net worth insurance – product highlights

Your high net worth clients need insurance that meets their distinct needs, from sports equipment and electronic devices to fine art and unique collections. Our Art & Private Client policy cover includes: 

  • Cyber cover which comprises home systems damage as standard, with the option to purchase cyber crime and cyber online liability as additional covers.
  • All risks basis of cover, plus additional covers, including business interruption, trustee indemnity and travel cover.
  • Extended payment cover for buildings (including listed buildings), fine art and valuables.
  • Cover extensions include loss prevention, security upgrade, and up to 30% of contents sum insured or £250,000 (whichever is the less) for new acquisitions.
  • Family protection including property alteration costs, assault, psychiatric services, medical expenses, sponsorship losses and hole-in-one cover.
  • Legal expenses cover including inheritance disputes and education admission appeals.
  • Cover for working from home and minor use of the home for business such as gardens open to the public or bed and breakfast.

We’d love to tell you more