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Private Client Insurance

Protecting what matters most.

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Spotlight on: Private Client Insurance

Insure your financial security, family and lifestyle.

You’ve made your own success, grown wealth and enjoy the lifestyle that it comes with.

But it also comes with increased risk. Our private client personal insurance specialists know the risks you face and deliver solutions that help secure your financial future.

For over 70 years, our customers have inspired us to build one of the leading independent insurance firms in the nation.

Why Higginbotham?

Because our private client solutions are built for you.

You have enough things to worry about — 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 you 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.




You deserve a partner with a vested interest in your success. We’re here to help.

Your family, estate and lifestyle are priceless. We are here to help protect them. With our global capabilities and decades of experience, we’ll find the custom coverage you need.

Let’s TalkRequest a Quote

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Coverage Options

This list isn’t exhaustive, and some policies may have exclusions for certain items.

Examples of Covered Perils

While policy specifics will vary depending on your insurance carrier’s requirements, here are some examples of covered perils.

Accidents and Vandalism

  • Property Damage
  • Acts of Vandalism
  • Riots

Third-Party Personal Injuries

  • Lacerations
  • Slips and Falls
  • Drowning


  • Robbery
  • Petty Theft
  • Burglary

Acts of Nature*

  • Freezing Damage
  • Snow or Ice Damage
  • Lightning Damage
  • Wind Damage
  • Hail Damage
  • Fire Damage

*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.

Other Covered Perils

  • Water Damage Caused by HVAC or Plumbing System
  • Smoke Damage
  • Power Surges
  • Roof Leaks
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Covered Losses Away from Home

Your private client coverage can also often help protect your assets and property while you’re traveling or spending time away from home.

While the coverage provided by each policy will vary, most policies can also be tailored to protect the personal possessions and valuables you take with you on a trip. From your wedding ring to your laptop and other valuables, private client insurance from Higginbotham can help give you peace of mind that your assets and loved ones are protected.

Private Client Policy Riders

There are many scenarios in which a standard policies could fall short of a private clients’ needs.

Most insurance carriers will cover lost, damaged or stolen property between 50-70 percent of the total coverage on an insured home’s structure.

With this in mind, people with fine art collections, antiques, designer clothing or other high-value property would be wise to consider a rider or separate valuable articles policy to avoid a potential coverage gap.

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Not sure where to start? Talk to someone who wants to listen.

A great plan starts with a detailed risk analysis. Let’s talk about what you need.

Connect with Higginbothams’ Private Client Team

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