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Coverage for the Assets Standard Policies Undervalue

Your homeowners policy wasn't designed for collector vehicles, rare art, or events with six-figure vendor contracts. Private Risk programs provide agreed-value and scheduled coverage that reflects what your assets are actually worth.

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Why Private Risk

Standard Limits Don't Protect Exceptional Assets

Most homeowners policies cap jewelry at $1,500–$2,500 and fine art at $2,500. If you own pieces worth more — and most collectors do — you have a gap that only surfaces at claim time.

Private Risk programs are structured differently. Coverage is agreed-value or appraisal-based, sub-limits don't apply, and protection extends worldwide. We work with carriers that specialize in exactly these asset classes.

Agreed Value — No Depreciation You and the carrier agree on value upfront. At claim time you receive that amount in full — no depreciation, no negotiation.
Blanket or Scheduled Coverage Cover individual items on a schedule or an entire collection under a blanket limit — whichever gives you the right balance of protection and premium.
Worldwide Protection Coverage travels with your assets — at shows, in transit, on loan, and at appraisers or restoration studios.
What We Cover

Private Risk Coverage Areas

Each program is purpose-built for its asset class — not adapted from a standard personal lines form.

Jewelry & Fine Art

Agreed-value, worldwide coverage for rings, watches, paintings, and sculptures. Standard homeowners caps fall far short — we schedule or blanket your collection at its true value.

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Classic Car

Agreed value for collector, vintage, and exotic vehicles — no depreciation, flexible mileage, show and transit coverage. Coverage built for what your vehicle is actually worth.

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Event & Wedding

Cancellation, postponement, and liability for weddings, corporate events, and private gatherings. Covers vendor no-shows, deposits, and injury claims — often required by the venue.

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Boat & Watercraft

Physical damage, liability, and medical payments for powerboats, sailboats, and jet skis. Agreed value and replacement cost options with on-water towing included.

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Fine Wine & Spirits

Blanket or scheduled coverage for cellars and curated collections. Covers breakage, spoilage from temperature failure, theft, and transit at current market value.

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Frequently Asked Questions

Standard homeowners policies sub-cap jewelry at $1,500–$2,500 and fine art at $2,500. Private Risk programs use agreed or appraisal-based values with no sub-limits, worldwide protection, and carriers that specialize in these asset classes.
Both options exist. Scheduled articles riders attach individual items to your homeowners policy. For larger or more complex collections, a standalone Private Risk policy often provides broader terms, lower deductibles, and higher limits — and can be more cost-effective at scale.
Most carriers recommend appraisals every two to three years for fine art, jewelry, and wine. An outdated appraisal at claim time means you receive less than the item is worth. We can connect you with accredited appraisers and help keep your schedule current.
Yes — for most Private Risk policies coverage extends worldwide, including transit, while on loan, at appraisers, and at shows or exhibitions. We review specific exclusions with every client before binding.
Cancellation or postponement due to vendor failure, extreme weather, illness, or military deployment; liability for bodily injury and property damage; and often coverage for attire, gifts, and honeymoon deposits. Venue liability is frequently required before a contract is signed.
No — and that's the point. Standard auto policies pay actual cash value, which factors in depreciation. Classic car policies use agreed value: you and the carrier agree on the car's worth upfront, and that's what you receive at claim time with no negotiation.

Your assets deserve coverage that reflects their real value.

Our advisors review your current limits, identify gaps, and connect you with carriers that specialize in Private Risk — at no cost to you.

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