Why a Fairfield County Household Needs a Program, Not a Policy
A distinctive home, a meaningful collection, household staff, a boat, and real liability exposure rarely fit neatly inside a single standard homeowners policy. Private client insurance treats those pieces as one program — underwritten with a full picture of the household, rather than quoted line by line with gaps between them.
Appraisal-based valuation instead of a square-footage estimator
Excess liability sized to actual net worth and household exposures
Coverage that follows how your home and assets are actually titled
One agency reviewing the whole picture, not one policy at a time
What a Private Client Program Coordinates
Each of these is available as its own policy. The value of a private client program is having them reviewed and placed together.
High-Value Home Insurance
Appraisal-based valuation, guaranteed or extended replacement cost, and ordinance-or-law coverage built for distinctive and historic Connecticut homes.
Jewelry, Fine Art & Collections
Scheduled, agreed-value coverage for jewelry, art, wine, and collectibles above the sublimits a standard homeowners policy applies.
Excess Liability & Umbrella
Liability limits sized to household net worth, coordinated across home, auto, watercraft, and household-employee exposures.
Homes Owned by a Trust or LLC
Coverage structured around how the property is actually titled, so ownership through a trust or LLC does not create a gap at claim time.
Household Staff Coverage
Workers' compensation and employment practices exposure for nannies, estate managers, and household employees.
Watercraft & Collector Vehicles
Agreed-value coverage for boats, yachts, and collector or classic automobiles kept at a Connecticut estate.
Built for Fairfield County
Waterfront estates, historic construction, back-country acreage, and household staff are the norm across Greenwich, Darien, New Canaan, Westport, and the surrounding towns — not the exception.
Waterfront & Shoreline Exposure
Named-storm deductibles, flood, and hurricane exposure are underwritten differently along the Fairfield County shoreline. Review our hurricane deductible guide before storm season.
Household Employers
Nannies, estate managers, and household staff create both workers' compensation and employment practices exposure most standard umbrellas were never built for.
Trusts, LLCs & Estate Planning
Property held through a trust or LLC needs coverage that matches how title is actually structured, coordinated with your attorney and financial advisor.
Go Deeper on Each Piece of the Program
High-Value Home Insurance in Connecticut
What standard policies miss on a distinctive home.
Chubb, PURE, Cincinnati, Berkley One & More Compared
How the high-value home carriers actually differ.
Jewelry, Fine Art & Collections
Scheduling, agreed value, and appraisals explained.
Insuring a Home Owned by a Trust or LLC
Why title structure matters to your policy.
Household Staff Insurance
Workers' comp for nannies and estate employees.
Excess Liability Calculator
Start sizing your umbrella limit.