1. Homes & Secondary Residences
Architectural primary residences, coastal retreats (Rehoboth, Bethany Beach, Lewes), historic estates, and international properties with unconditional guaranteed rebuilding coverage.
High-Net-Worth Advisory Division
Private Client Insurance
Concierge-Level Insurance Solutions for individuals with complex assets
SEE WHAT YOU MAY BE MISSING — Private Client coverage is designed for high-value homes, assets, and lifestyles that standard policies weren’t built to protect.
Risk Assessment & Market Reality
Do You Have Ordinary Insurance for Extraordinary Assets?
Many high-earning families still carry standard mass-market insurance policies—even when their homes, collections, and liability exposure far exceed what their policies cover. That creates severe vulnerabilities:
Coverage Gaps You Don't See
Overlooked exposures such as family trust ownership, domestic employee liabilities, water backup caps, and cyber extortion that standard policies explicitly exclude.
Substandard Rebuild Limits
Limits that fail to reflect authentic architectural replacement values, custom finishes, historical millwork, and the true cost of artisan restoration.
Disappointing Claims Adjusting
Standard adjusters trained on mass-market formulas who push for generic contractors, depreciated payouts, and endless disputes during stressful losses.
The Private Client Standard
It's Time to Raise the Bar
Private Client Insurance isn’t just more coverage. It’s an entirely different standard of underwriting, tailored protection, and concierge restoration.
Broader, More Flexible Protection
Underwriting structured to cover multi-state homes, LLCs, trusts, domestic staff, and specialized lifestyle risks without contractual roadblocks.
Higher Limits Matching True Asset Value
Guaranteed replacement cost with zero cap, agreed cash-out options, worldwide floaters for jewelry & fine art, and multi-million dollar umbrella liability.
Proactive, Concierge-Level Claims
Dedicated high-net-worth adjusters, access to pre-vetted master artisans, immediate emergency funding, and complete advocacy throughout rebuilding.
Ordinary Policy vs. Private Client Standard
| Coverage Area | Standard Mass-Market Insurance | Wiswall Private Client Standard |
|---|---|---|
| Home Rebuild Guarantee | Capped at 120%–150% of stated policy limit. Forced rebuilding at original location. | Guaranteed Replacement Cost: Unlimited cash payout or complete reconstruction with no dollar cap. Agreed cash-out option available. |
| Water Damage & Sewer Backup | Strict $5,000 to $10,000 sublimit. Mold remediation severely limited or excluded. | Full Policy Limit: Backups, finished basement flooding, and mold remediation covered up to the full dwelling limit. |
| Excess Liability (Umbrella) | Rigid caps typically limited to $1M to $5M with severe gaps over legal defense fees. | $5M to $50M+ Limits: Worldwide liability protection, legal defense paid outside policy limits, and coverage for board/charity service. |
| Exotic & Collector Vehicles | Actual cash value (ACV) after depreciation. Generic aftermarket parts required. | Agreed Value Coverage: Zero depreciation, OEM parts guarantee, worldwide rental reimbursement, and agreed cash payoff upon total loss. |
| Fine Art, Wine & Jewelry | $1,500 to $2,500 standard jewelry cap. Burdensome appraisal schedules required. | Worldwide Blanket Protection: No per-item sublimits on blanket policies, up to 150% market appreciation protection, zero deductibles. |
| Domestic Household Staff | Completely excluded from standard homeowners and personal liability policies. | Comprehensive Domestic EPLI: Workers' compensation, defense against wrongful termination, harassment, and wage dispute claims. |
Complete Wealth Shield
Protection for Every Part of Your Life
Nine specialized coverage verticals engineered specifically for high-net-worth individuals, multi-property estates, and family offices.
2. Household Staff Protection
Workers’ compensation and Employment Practices Liability Insurance (EPLI) protecting you against wage disputes, harassment, or wrongful termination claims from domestic employees.
3. Kidnap & Ransom Coverage
Global extortion defense, crisis management response, ransom settlement, and rapid emergency evacuation services for high-profile families and executives traveling internationally.
4. Luxury & Collector Vehicles
Agreed-value policies for exotic supercars, vintage classics, and luxury executive fleets. Includes OEM restoration guarantees and flexible mileage terms.
5. Fine Art, Jewelry & Collections
Worldwide, zero-deductible floater coverage protecting rare artwork, heirloom jewelry, vintage watches, antique collections, and temperature-controlled wine cellars.
6. Watercraft & Aviation Assets
Comprehensive marine hull, crew liability, and hurricane haul-out protection for luxury yachts, sportfishing vessels, personal watercraft, and fractional aviation assets.
7. Cyber & Identity Protection
High-limit defense against smart home breaches, wire transfer fraud, social engineering extortion, digital defamation, and total identity restoration support.
8. Personal Excess Liability (Umbrella)
Substantial liability cushions ($5,000,000 to $50,000,000+) shielding family wealth, real estate holdings, and business interests from catastrophic lawsuit judgments.
9. Global Travel & Medical Evacuation
Comprehensive worldwide emergency medical air transport, luxury trip cancellation reimbursement, lost baggage floaters, and dedicated international concierge support.
Confidential Advisory
Schedule A Private Client Review
Understand exactly where your coverage stands with a comprehensive, confidential portfolio audit conducted by Chad Wiswall and our senior underwriting team.
We are a proud partner of IPA:
