Private Client Insurance

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Insurance crafted for distinction: elevate your coverage as a private client.

Our tailored insurance solutions redefine protection, offering unparalleled distinction and sophistication. Crafted to match the uniqueness of your lifestyle, they secure your success with a touch of excellence.

Custom Insurance Solutions for Private Clients

When thinking about specialty liability insurance coverage for your assets, are you confident in your insurance partner? A plan to protect your home, family, and assets is an essential part of life that requires expertise from a partner who understands high-net-worth clientele.

Private clients need expert attention to risks that their insurance partner has the knowledge in all aspects of coverage to identify gaps and exclusions in existing liability policies. In an ever-changing world, with new liability risks emerging daily, our team provides customized solutions like no other.

Private Client Insurance: Who We Can Help

  • High Net Worth Individuals
  • High Net Worth Families
  • Family Offices
  • High-Profile Individuals
  • Business Owners
  • And More
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Typical Coverage Solutions for Private Clients

TRU Umbrella

Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.

TRU Homeowners

Our TRU Homeowners insurance solution provides all-in-one coverage including floods, wind, tornadoes, wildfires, earthquakes, and more. Learn more.

General Liability

Provides coverage for injuries and property damage sustained by third parties.

Personal Liability

Personal liability protection in the event of an accident and a claim is made against you. Learn more.

High Value Items & Collections

Coverage designed to protect valuable possessions such as jewelry, art, antiques, collectibles, and other high-value items

Recreational Vehicles & Watercraft

Coverage designed to protect high-value and specialized vehicles used for recreational purposes, such as motorhomes, yachts, boats, and other watercraft.

Luxury & Antique Vehicles

Coverage designed to protect high-value and classic automobiles.


Coverage designed to protect planes, helicopters, and other aircraft.

Alleged Assault and Battery Liability

Coverage for claims against you regarding assault and/or battery.

Alleged Sexual Abuse and Molestation Liability

Coverage for claims against you regarding sexual abuse and/or molestation.

Animal Liability

Provides coverage for third-party bodily injury and property damage caused by an animal that you own. Learn more.

Directors and Officers (D&O) Liability

Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization. Learn more.

Firearms Liability*

Coverage for concealed carry, accidental discharge, and more, for both personal and commercial use. Learn more.

*Available in most states

Professional Liability

Coverage for claims regarding negligent acts and more. Learn more.

Property Coverage

Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.

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Have A Look At Our Brochure

View or download our brochure to take with you

Your time is valuable. Download our brochure to see XINSURANCE and our private clients insurance solutions at a glance.

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How To Get A Quote

Request Your Quote

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Specify Your Needs

We’ll schedule a call with you to consult on your needs, and collect more details

Get Your Custom Quote

We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy

More Information About Our Private Client Insurance Solutions

Overlooked Coverage Gaps

Addressing often overlooked coverage gaps is crucial in ensuring a comprehensive and robust insurance portfolio, safeguarding against unexpected risks that might otherwise leave vulnerabilities in your protection plan.

These overlooked coverage gaps include:

  • electric bikes
  • eFoils
  • hydrofoils
  • jet packs
  • water sleds
  • guard dogs
  • and more!

What is the XINSURANCE partnership approach?

We are your partner through thick and thin, including:

  • High-risk areas where natural disasters or property damages are more likely to occur
  • Unusual risk scenarios that may be considered an exclusion on other policies
  • Substantial wealth and asset management such as high-value items and financial services for high-net-worth individuals and families
  • Complicated claims history for those with a history of frequent or expensive claims
  • Hard-to-find insurance for those who have been dropped, declined, canceled, or non-renewed by an insurance provider

Claims Advocacy

Our team, comprised of experienced insurance professionals including attorneys, litigators, and adjusters, has skillfully managed tens of thousands of claims throughout the United States, the Virgin Islands, and Puerto Rico to date.

Our in-depth knowledge and experience in handling complex property and casualty claims is how we achieve superior claims results. Our proven track record in claims management can bring both expertise and experience to your company’s claims-handling process.

Comprehensive Risk Analysis

We’ll review your current insurance policies and compare them to your lifestyle to provide a custom, all-in-one policy solution that provides customized coverages built into one policy to cover gaps and exclusions in your insurance coverage.

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What our clients say

Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.

– Dave H.

They are amazing and always there to help you if you have any questions or concerns.

– Arlene A.

XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.

– Leslie A.

Your Trusted Team For Tackling the Unexpected

Fighting for You is What We do Best

At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.

Unique Requirements are Our Specialty

XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.

Built-For-You Flexibility & Dedicated Support

The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.

More of Your Coverage - All In One Place

Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.

What You Can Expect From Our Team

Insurance solutions tailored to your needs

Expansive coverage options

Expert support when facing frivolous charges

Dedicated support & service