If you own a high-value home, valuable jewelry or art, multiple vehicles, or simply have more to protect than a standard policy anticipates, you may have outgrown ordinary homeowners and auto insurance without realizing it. That’s where private client insurance comes in.
What Private Client Insurance Actually Means
“Private client” (sometimes called “high-net-worth” insurance) isn’t a single product — it’s a tier of service and coverage designed for households with significant assets. Instead of a one-size-fits-all policy, private client insurance is built around your specific home, collections, liability exposure, and lifestyle, typically through carriers that specialize exclusively in this space, such as Chubb, PURE, and Cincinnati Private Client.
How It’s Different from a Standard Policy
- Higher, more accurate replacement-cost coverage for homes that would be expensive or impossible to rebuild at standard rates.
- Home policies written on an HE-7 form which provides broader coverage than a traditional HO3 homomers insurance policy. This broader coverage includes higher water backup coverages, extended replacement coverage on the dwelling, and mortgage expense coverage to pay the mortgage if you had to rebuild your home.
- Broader, often worldwide coverage for jewelry, art, wine collections, and other valuables — frequently with no scheduling deductible.
- Higher liability limits and better excess/umbrella integration, which matters more the more assets you have to protect. Many standard carriers will cap their umbrella exposure with limits like $2mm (Progressive) and $5mm (Travelers). Our premium carriers will often go higher – $10mm or $20mm as needed.
- White-glove claims handling — many private client carriers assign a dedicated claims advocate and can fast-track temporary housing or repairs after a loss.
- Risk management services, such as water-leak detection systems, wildfire mitigation consulting, or cybersecurity assessments for high-profile families.
Signs You May Need It
- Your home would cost more than $2mm to rebuild today.
- You have jewelry, art, or collectibles worth more than a few thousand dollars combined.
- You employ household staff (nanny, housekeeper, driver) and haven’t reviewed your liability exposure.
- You serve on a nonprofit board, own a business, or otherwise have elevated personal liability exposure.
- You’ve been told by a standard carrier that your home is becoming difficult or expensive to insure.
How CAP Insurance Group Can Help
As an independent agency, CAP Insurance Group isn’t limited to one carrier’s private client program. We compare coverage across Chubb, PURE, and Cincinnati Insurance to build a private client insurance program suited to your specific home, collections, and family situation in the Charlotte area.
We have two dedicated team members that specialize in this level of coverage:
Taylor Hooten, CPRIA
Private Client Risk Advisor
Taylor Hooten brings focused expertise in high-net-worth personal insurance, helping affluent individuals and families build comprehensive protection strategies for their homes, assets, and lifestyles. Before joining CAP Insurance, Taylor was ana advisor at USI Insurance Services, where Taylor worked closely with clients to design tailored coverage that addresses the unique risks facing high-net-worth households – from primary and secondary residences to fine art, jewelry, collector vehicles, and complex liability exposures.
Taylor also spent several years at Hub International as a High Net Worth Private Client Account Manager, where he managed sophisticated personal insurance portfolios and developed a deep understanding of the specialized carriers and coverage structures this segment requires. That experience, combined with his current work at USI, gives him a well-rounded view of the high-net-worth insurance landscape from both the account management and advisory sides of the business.
Taylor holds the CPRIA (Certified Personal Risk Insurance Advisor) designation from the Private Risk Management Association, a credential focused specifically on the needs of high-net-worth clients. He is a graduate of High Point University.
Taylor Hooten
Private Client Risk Advisor
704-709-1101
Taylor@thecapteam.com
Calyn Duggan
Private Client Account Executive
Calyn Duggan serves as CAP Insurance Group’s Private Client Account Executive, managing the agency’s book of high-net-worth specialty business. Her attention to detail and organizational skill allow her to serve this client base with the level of care and precision it demands. She takes a proactive, strategic approach to the renewal process, helping clients understand the plan in place for their personal insurance portfolio and ensuring their coverage evolves alongside their needs.
Before joining CAP, Calyn spent several years in the mortgage industry, most recently serving as VP of Loan Operations at Old Point National Bank (now Towne Bank), where she led a team and honed the operational rigor she now brings to managing complex personal insurance accounts.
Calyn is a graduate of Queens University of Charlotte, where she served as captain of the women’s cross country team.
Calyn Duggan
Account Manager, Private Client
704-296-8741
Calyn@thecapteam.com
Ready to see whether private client coverage makes sense for your household?
Contact CAP Insurance Group at (704) 540-4200 for a private client insurance review.