Navigating complex risks with confidence
High-net-worth individuals, families and family offices face increasingly complex risks, from luxury homes and aviation assets to cybercrime and global liability exposures. Willis, a WTW business, helps clients design integrated insurance and risk management programs that protect wealth, lifestyle and legacy through tailored advice and comprehensive coverage.
Your success has enabled a unique lifestyle and a portfolio of assets that reflect your personal priorities and aspirations. From luxury homes and valuable collections to travel, liability and specialty risks, our advisors create tailored insurance solutions designed to protect what matters most. We pair comprehensive coverage with expert risk management guidance to help safeguard your wealth and support your long-term goals.
Why choose Willis for high-net-worth insurance and risk management
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Family office insurance
High-net-worth and ultra-high-net-worth families with significant assets often use a family office to properly manage and protect their wealth. Whether your family office is a single-family office (SFO), multi-family office (MFO), or virtual family office (VFO), the responsibilities of the family office are wide and varied. Significant exposures exist for the family office entity requiring specialized coverage such as Professional Liability, Trustee Liability, Employment Practices Liability, Crime and Cybersecurity coverage. It’s important to work with an insurance broker with both personal and commercial insurance capabilities to ensure seamless coverage of the family office exposures and the family’s assets. Our global capabilities further benefit the family office, who are often coordinating international travel or managing homes abroad.
High-value home insurance
Whether your property is a sprawling estate, an urban penthouse, or a coastal retreat, our insurer partners’ luxury home insurance policies are designed to address a large range of risks. From catastrophic events like floods, hurricanes and wildfires to localized incidents like house fires, water damage or theft, we ensure your home is safeguarded to its full value, including any ornate and specialized features.
Luxury car insurance
Your car and driving routine are an integral part of your lifestyle, and your car insurance should reflect that. From daily commuting to weekend excursions with your collector car, whether you drive a high-performance luxury car, or rely on a family SUV for your daily commute, we customize your car insurance to provide the right level of protection for all your driving needs. From comprehensive repair coverage to high liability limits, we make sure you have the right coverage for your driving needs.
Excess liability insurance
Excess liability insurance goes beyond the limits of your regular home, car and other insurance policies to protect you from big financial losses. Whether it’s a personal injury claim stemming from an unforeseen car accident, a lawsuit related to an incident on your property involving a guest or your domestic staff, this coverage helps defend and protect your assets-anywhere in the world.
Private aviation/Jet insurance
Flying private is more than a convenience for many, it’s a necessity. Our insurer partners offer tailored aviation policies that cover owned or leased aircraft, with comprehensive protection against potential risks.
Important coverages for consideration include:
- Hull coverage protects against damage done to the aircraft.
- Liability coverage protects against injuries sustained to passengers or crew while the aircraft is being used.
- Secondary coverage extends to help cover loss of use, spare and rental parts, hangar keepers’ liability, non-owned aircraft use and more.
Equine liability insurance
Horses are more than animals-they’re part of the family. Equine liability coverage protects you from potential claims if your horse causes injury or damage, ensuring peace of mind for private horse owners.
Farm and ranch insurance
Farms and ranches have unique risks that standard homeowners’ policies don’t cover. From property and equipment to liability protection, we tailor coverage to fit your acreage and operations, preserving your property’s value and integrity.
Kidnap and ransom insurance
High-profile families face unique risks. Kidnap, ransom and extortion coverage provides financial protection and strategic support in the event of this unforeseen threat to the safety and wellbeing of you or a family member. We work with you to develop proactive security measures to safeguard your loved ones, and we partner with insurers that utilize trusted security measures which are needed to resolve the crisis with optimal outcomes.
Cybersecurity insurance
In a digital and AI age, cyber threats are everywhere and increasing at an exponential rate. Cybersecurity insurance protects your family from financial losses due to cyberattacks, fraud, embezzlement and ransomware. We also provide strategies to mitigate cybersecurity risks before they occur.
Equipment breakdown
Your home’s complex mechanical and electrical systems keep your life running smoothly-until they don’t. Our equipment breakdown coverage ensures rapid repair or replacement of essential systems, preventing unexpected system down-time and financial strain. Equipment breakdown coverage is one of the more common uncovered claims in the industry, as homeowners often believe their homeowners policy will cover the loss. Our trusted advisors will help you understand the coverage features and limits available to help you tailor a program for your specific needs, bringing peace of mind and protection against financial loss.
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Frequently asked questions
High-net-worth insurance provides specialized coverage designed for individuals and families with significant assets, unique lifestyles and complex risk exposures. Coverage is tailored to help protect luxury homes, valuable collections, personal liability exposures and other high-value assets.
High-net-worth insurance typically offers broader coverage limits, enhanced protection for valuable assets, specialized claims support and more customized solutions than standard personal insurance policies.
As wealth grows, risks often become more complex. Risk management helps identify, assess and mitigate potential exposures before they result in financial loss, supporting the protection of wealth, lifestyle and legacy.
Family offices often face a combination of personal and business-related risks. Insurance and risk management strategies may be needed to address liability, cyber, employment practices, directors and officers exposures, property risks and other complex considerations.
Protect your wealth, lifestyle and legacy
Whether you're protecting a luxury home, valuable collections, liability exposures or a complex portfolio of assets, our advisors can help design a tailored insurance and risk management program to support your unique needs.
Disclaimer
WTW hopes you found the general information provided here informative and helpful. The information contained herein is not intended to constitute legal or other professional advice and should not be relied upon in lieu of consultation with your own legal advisors. In the event you would like more information regarding your insurance coverage, please do not hesitate to reach out to us. In North America, WTW offers insurance products through licensed entities, including Willis Towers Watson Northeast, Inc. (in the United States) and Willis Canada Inc. (in Canada).
