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Insure your financial security, family and lifestyle.
You’ve made your own success, grown your wealth and get to enjoy the lifestyle that it comes with.
But it also comes with increased risk. Our private client specialists know the risks you face and deliver personal insurance solutions that help secure your financial future.
With Higginbotham by your side, you have an insurance agent who understands your risks and is always looking out for your best interest. With Higginbotham, you get more than an insurance advisor. You get a partner who’s invested in your success.
Because our private client solutions are built for you.
You have enough things to worry about, and your insurance shouldn’t be one of them. You deserve personalized service, global capabilities and coverage that considers your needs.
You deserve private client insurance from Higginbotham.
Your Higginbotham policy is designed with you in mind – considering every need and nuance. Our private client team has decades of experience tailoring bespoke policies to people just like you. We start with a comprehensive risk analysis and end with customized solutions built around your unique needs.
And we don’t stop there.
The private client team at Higginbotham stands by your side throughout the life of your policy to help make sure you are getting the most out of your coverage. From proactive risk management that helps mitigate risk on the front side to claims advocacy and personalized service that helps you get the most out of your policy, we put you and your family at the center of everything we do.
Your family, estate and lifestyle are priceless. We’re here to help protect them. With our global capabilities and decades of experience, we’ll find the custom coverage you need.
This list isn’t exhaustive, and some policies may have exclusions for certain items.
While policy specifics will vary depending on your insurance carrier’s requirements, here are some examples of covered perils.
*While damage caused by an act of nature can be eligible for a claim, damage caused by natural disasters like floods are almost always excluded.
Your private client coverage can also often help protect your assets and property while you’re traveling or spending time away from home, including trips within the United States or abroad, depending on your policy
While coverage will vary, many policies can be tailored to help protect the personal possessions and valuables you take with you. This may include items that are lost, stolen or accidentally damaged while in transit or at your destination. For example, coverage may apply if luggage is stolen from a hotel, a laptop is damaged during travel or jewelry is lost while away from home.
Private client insurance from Higginbotham can help give you peace of mind that your assets and your loved ones are protected. Additional coverage options may also be available for high-value items that require more specific protection.
There are many scenarios in which standard policies could fall short and leave you vulnerable.
Most insurance carriers place limits on coverage for lost, damaged or stolen property, often capping coverage at roughly 50 to 70 percent of the insured home’s structural value. And, certain categories, such as jewelry, fine art or collectibles, may be subject to specific sublimits that further restrict how much can be reimbursed for a loss.
With this in mind, individuals with fine art collections, antiques, designer clothing, wine collections or other high-value personal property may want to consider a rider or separate valuable articles policy to help reduce potential coverage gaps. For example, a standard homeowners’ policy may only cover a portion of a high-value watch or artwork if it is lost or stolen, leaving the remaining value uninsured.
A great plan starts with a detailed risk analysis. Let’s talk about what you need.