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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 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.




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.

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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.

Meet Our Private Client Insurance Practice Leaders

Mary Russell manages Higginbotham’s Private Client, personal lines and farm and ranch department accounts, overseeing approximately 20,000 individual customers. She also serves on the firm’s board of directors and regional partner helping lead the North Texas operations.

She joined Higginbotham in 1990 after working for 5 years at American General Insurance as a claims representative. Mary has been recognized by several insurance carrier’s with awards, Safeco’s Personal Achievement Award, Travelers’ Personal Insurance Agent of the Year in 2013 and then in 2016 the Private Risk Management Association (PRMA) honored her with the JoAnn Heltibridle Award in honor of being a distinguished insurance professional with Private Clients.

Mary has earned CISR (Certified Insurance Service Representative), CIC (Certified Insurance Counselor), and CPRIA (Certified Private Risk Insurance Advisor) designations.

COO, Personal Insurance
Mary Russell
COO, Personal Insurance , LinkedIn

Meet Our Private Client Insurance Practice Leaders

Trevor Russell is the practice leader for Higginbotham’s Farm and Ranch division.

He holds an Agriculture Farm Insurance Specialist designation and has over eight years of experience helping insure commercial farms and ranches, hobby farms, hunting ranches and countless other agricultural operations.

Passionate about agriculture from a young age, Trevor was heavily involved in his High School’s FFA programs. He is highly experienced with high net worth/high profile clients (athletes, CEOs and entertainers).

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Trevor Russell
Vice President, LinkedIn
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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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