Private Client Services
Private Client Services
Private Client Services Insurance offers tailored coverage for high-net-worth individuals, families, and professionals with complex or high-value assets. It protects homes, vehicles, art, jewellery, investment properties, collectibles, travel risks, and personal liability all under a bespoke insurance program.
Unlike standard personal insurance, Private Client Services are designed for those who require higher coverage limits, international protection, unique asset valuation, and discreet, high-touch service. This approach ensures that your lifestyle and legacy are fully protected.
At Angelic Insurance, we help affluent individuals and family offices compare policies from leading private insurers. Our authorised brokers provide general advice to help ensure your wealth is protected from loss, liability, and unforeseen life events.
How It Works
We work closely with you or your representatives to design a personal insurance portfolio that reflects your lifestyle and exposure.
Tell us about your portfolio
We review your properties, valuables, travel habits, and vehicles. You can choose to insure a single asset or request a full risk review.
Conduct a needs assessment
We assess risks based on location, asset type, existing coverage, lifestyle, and legacy goals ensuring accurate coverage structuring.
Compare high-net-worth insurers
We present quotes from leading insurers offering concierge claims support, agreed-value settlements, and worldwide protection.
Customise your program
From primary residences to yacht insurance, we help bundle policies or separate covers to suit ownership structure and preferences.
Secure documentation and support
Once approved, we provide policies and Certificates of Currency for specific assets, events, or contractual needs.
Provide ongoing, discreet service
We assist with mid-term changes, renewals, appraisals, and claims, while ensuring privacy and efficiency throughout.
Why You Need It?
Wealth comes with increased responsibility and exposure. Private Client Insurance helps protect what you’ve built and the lifestyle you’ve earned.
Covers high-value homes and items
Standard policies may not provide enough protection for prestige properties, fine art, or luxury jewellery.
Consolidates complex coverage
Multiple assets in various locations can be streamlined under a single insurance portfolio
Offers agreed value on claims
Agreed value for assets like cars, art, or watches avoids disputes over market depreciation at claim time.
Supports international lifestyles
Frequent travellers or dual residents can receive worldwide cover for personal belongings, health events, or legal matters.
Discreet and professional handling
Private insurers offer white-glove service with a focus on speed, respect, and privacy particularly during claims.
How Angelic Insurance Can Help?
We provide a personal, strategic approach to your insurance offering general advice designed for professionals, executives, and private families.
Work with trusted private insurers
We partner with reputable providers known for excellence in high-net-worth coverage and claims service.
Design bespoke portfolios
From jewellery vaults to private aircraft, we help create tailored programs that adapt as your needs evolve.
Coordinate with advisors
We collaborate with accountants, lawyers, and estate planners to ensure insurance aligns with asset protection strategies.
Help with valuations and appraisals
We support agreed-value claims by connecting you with appraisers and helping document items for accurate insurance limits.
Provide a single point of contact
You’ll have a dedicated insurance professional to help coordinate changes, additions, or fast-track claims.
Challenges Businesses Face Without Private Client Services
Standard policies often fall short when protecting prestige assets or complex holdings. Here’s what can happen without proper protection.
Inadequate coverage limits
Standard contents limits may be too low for luxury watches, wine collections, or bespoke home finishes.
Claims delays or disputes
Without agreed value or full documentation, claims on rare or irreplaceable items may be contested or delayed.
Overlapping or missed policies
Multiple policies across providers can lead to costly gaps or duplicated coverage without clear coordination.
Exposure during international travel
If your personal liability or belongings aren’t covered globally, you may face losses while travelling or living overseas.
Increased liability risk
High-net-worth individuals are often targeted in legal claims. Without comprehensive liability insurance, you may be personally exposed.
Case Studies: How Private Client Services Helped Real Businesses
Case 1 – Art damage during relocation
A Sydney family’s $75,000 painting was torn during a relocation. The policy with agreed value paid the full settlement without dispute.
Case 2 – Burst pipe in prestige home
A Brisbane penthouse suffered water damage from a burst pipe while unoccupied. Repairs and replacement of luxury finishes exceeded $120,000 and were fully covered.
Case 3 – Jewellery lost overseas
An executive lost a high-value diamond ring while travelling through Europe. Their policy included global all-risks cover and reimbursed the agreed value of $48,000.
Case 4 – Yacht struck during mooring
A private yacht in Melbourne was struck by another vessel. The insurer paid for full hull repairs under the marine component of the Private Client program.
Frequently Asked Questions
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