为您独特的风险、资产和生活方式定制解决方案.
高净值澳博体育app，覆盖你最珍视的东西.
拥有巨额资产的人有独特的风险. High net worth insurance is a customized policy type that protects clients from these risks—from home insurance to travel insurance and much more.
用正确的政策保护你的财富.
除了名字, high net worth insurance isn’t simply a variation on ordinary personal insurance with higher coverage limits and higher premiums. 相反，它是澳博体育app下载认识到拥有大量资产的人有独特的需求.
根据您的需要组合澳博体育app.
One way high net worth insurance responds to this challenge is by bringing multiple areas of coverage and expertise together into a comprehensive insurance solution based on your individual needs. 这通常包括你的房屋，车辆，旅行，甚至人寿澳博体育app. 该解决方案是为您的特定生活方式定制的, 资产, 和风险，而不是简单地结合“现成的”政策条款和条件.
交互式图形
点击它. 读它. 覆盖它.
- 点击热点.
- 发现你的风险.
- 选择合适的澳博体育app范围.
宝贵的财产
风险因素
通常, 有价值财产的房主澳博体育app政策有一个附加限制, 比如珠宝, 皮草, 美术, 和其他收藏品.
解决方案
Obtain a personal floater or schedule your valuable possessions to ensure you’ll have the money to replace them.
收集器的汽车
风险因素
Collector or classic vehicles often have significant value and require special documentation and unique insurance coverage to ensure they are adequately protected. 即使存放在你的房子里，它们通常也不在你的房主澳博体育app范围内.
解决方案
Insure your collector cars with a specialized insurance company that focuses on and understands the unique nature of collector or classic cars and other vehicles.
网络风险承保范围
风险因素
家里有更多的智能科技，科技触手可及, 恶意软件, 黑客, 其他网络威胁也会危及你的安全, 财务状况, 和声誉.
解决方案
身份盗窃, 人身伤害, and cyber risk coverage may be available as an important add-on coverage to your homeowners policy.
工人补偿/雇员行为责任澳博体育app(EPLI)
风险因素
在家里雇佣家政人员是有风险的. Employees can become injured on the job, leaving you to pay out-of-pocket for their medical expenses. 另外, 员工可以起诉非法解雇, 隐私问题, 歧视, 以及骚扰指控.
解决方案
当你的员工在工作中受伤时，一定要获得医疗费用的澳博体育app. 另外, employment practices liability insurance can protect you from high legal costs associated with lawsuits and additional claims from current and past employees.
额外生活费
风险因素
当你的家因意外事件(如闪电)而遭受重大损失时, 火, 或是暴风雨, 在你的房子修复或重建之前，你可能无法住在房子里. 因此，你可能会在住宿、食物和其他日常需求方面产生额外的生活费用.
解决方案
Look for coverage that provides higher limits to ensure that your schedule and your standard of living is not compromised. Additional living expense coverage compensates you for the costs incurred for housing and other living expenses if a covered event makes your home temporarily uninhabitable while it’s being repaired or rebuilt.
超额责任澳博体育app
风险因素
You invite guests over for a pool party and one of them dives into the shallow end of the pool and is permanently injured. 他们聘请了一名律师代表他们，经过长期的法律斗争, 你和你的家人要为他们的伤害承担经济责任.
解决方案
An excess liability (or umbrella policy) increases your personal liability limits by adding protection over and above your current auto, 船艇或业主保单. Excess liability insurance is available as separate coverage and offers additional peace-of-mind knowing that you have the protection you need.
火
风险因素
大多数火灾都是毁灭性的. 除了情感上的影响，对你的家的物理损害也可能是重大的. If you lost your home to 火, do you have adequate insurance to replace your home and its contents? 还记得, inflation rates on building materials and construction costs rarely track with real estate values. 因此，重建房屋的成本往往远远超过预期.
解决方案
确保你的房主政策包含没有上限的重置成本澳博体育app. This protects you if the cost to reconstruct your home is higher than your current limit of coverage. 而且，确保你的澳博体育app包括重建你家的代码. Very often, local ordinances and building codes change over time, which may require additional costs.
个人责任
风险因素
在不幸的情况下，有人滑倒了，而你的财产, 您和您的家人可能要对由此造成的任何伤害负责.
解决方案
Your homeowners policy includes personal liability coverage to respond to incidents where injuries or damages occur to a third party where you may be deemed negligent. 然而, you should consider purchasing an excess liability policy to provide additional coverage limits to protect your 资产 in case a lawsuit is brought against you.
洪水覆盖
风险因素
你不必住在水体附近就会遭受洪水的损失. 随着气候模式的变化和全球范围内破坏性风暴的增多, 在通常不容易遭受洪水破坏的地方，洪水损失正变得越来越普遍. 你的房屋澳博体育app不包括洪水造成的损失. 你的家有危险吗?
解决方案
Purchase a flood insurance policy to protect your home and covered contents from certain types of flood losses as designated by the National Flood Insurance Program (NFIP). 在美国.S., a flood policy is purchased as a separate policy through the federal program (NFIP) or through a servicing carrier known as a write-your-own carrier. 另外, 你可以在你的房主政策上购买超额限额，以更好地保护你的房子.
第二居所/租金
风险因素
Owning a secondary home or rental property has the potential of increasing your liability exposures.
解决方案
Be certain that you extend the liability coverage under your homeowners policy to include your secondary home. You should also consider including the secondary home under an excess liability policy to provide for additional liability limits.
设备故障
风险因素
而你的房主政策涵盖了各种各样的风险, 比如火灾或倒下的树造成的损害, it doesn’t cover some common types of problems that can occur to the equipment in or around your home. 例如, 当地发电厂突然产生的电涌可能会损坏电器, 暖通空调系统, 或者你家里的发电机.
解决方案
在你的房屋澳博体育app中增加机械故障澳博体育app. 如果你有多套房子，可以单独购买. Keep in mind that while it does protect against major events, it does not cover normal wear and tear.
特别活动报道
风险因素
策划婚礼, 成年礼, 犹太女孩, 家庭团聚, 或者其他私人活动已经够紧张的了. The last thing you should worry about is severe weather that could cause you to postpone the event. Or, what happens is a vendor goes out of business or declares bankruptcy before your event and you lose your deposit?
解决方案
无论你计划得多么仔细，你无法控制的事情都可能出错. 为你的活动购买澳博体育app. It’s typically not very expensive and helps keep you focused on all of the things that go into making your event truly memorable.
高净值澳博体育app如何运作的真实例子.
例如, you may want to look for coverage that ensures you’ll be able to repair a damaged vehicle using the repair shop of your choice and factory-original parts. You may also want to have your vehicle insured for the “agreed value” rather than the market value. This means that you and the insurance company agree to the payout amount upfront in the event of a total loss claim.
针对独特风险的特定澳博体育app选择.
当然，还有其他独特的风险需要考虑. 家务帮佣(如保姆或园林美化人员), 身份盗窃, 国际旅行, 更多的都有专门的澳博体育app解决方案来保护你的财富.
要讨论高净值澳博体育app如何满足您的需求，请立即与我们联系.
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