Smart Choice has teamed up with leading carriers that service the unique needs of high-net-worth individuals.

Smart Choice Private Client Solutions is for individuals and families who have a significant financial portfolio that requires specialized expertise and personalized service levels.

While there are concentrations of HNW individuals in well-known areas such as Miami, NYC, Beverly Hills and Malibu – virtually every community has individuals that are CEOs, professional athletes, entrepreneurs, entertainers, have ownership of large tracts of land, or have inherited wealth.

Our Private Client Solutions program offers custom coverage for individuals and families with:

Large estate homes
Multiple homes
Coastal and vacation properties
Residences in high-risk/wildfire regions
Yachts
Ranches and farms
Exotic and collectable vehicles
Art and antiques

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A-Rated carriers

Policies will be written with that specialize in covering high-value risks for high-net-worth clients including Chubb, KleeCo and Burns & Wilcox.

Trusted team

The Smart Choice Private Client team has the experience and expertise to act as a trusted advisor to the client and integrate with the client’s financial team, asset managers and real estate brokers.

Collaborative approach

The Private Client Solutions team utilizes a collaborative approach with clients and offers consultative reviews, comprehensive risk analysis and a review of the adequacy of coverage/limits.

The goal is to develop a comprehensive approach and high level of respect, trust and confidentiality that earns customer loyalty.

High net worth individuals have needs beyond injury, such as personal excess liability to provide financial protection against claims for bodily injury personal injury or property damage. Risk assessments for coverage of domestic staff and workers’ compensation. Specialized life insurance may be needed that has benefits beyond just income protection.

According to a recent Chubb survey of eight hundred high-net-worth individuals in the United States and Canada, 92 percent are concerned about the size of a verdict against them if they were a defendant in a liability case – yet only 36 percent have excess liability insurance.

When it comes to liability, Chubb says respondents are most worried about auto accidents, allegations of assault or harassment, and someone working in their home getting hurt. Damage awards are rising dramatically for a number of reasons, according to Laila Brabander, head of North American personal lines claims for Chubb.

“Economic damages historically were based on factors such as the extent of an injury and resultant medical expenses or past and future loss of income,” she said. “But we are seeing a rise in non-economic damages, such as pain and suffering and post-traumatic stress disorder, which overshadow actual economic losses.”

Check out the Chubb PRS- 2025 Market Trends Report!

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