Personal Risk Management Solutions through Our Private Client Services
At Arroyo, we specialize in designing tailored insurance solutions to address the needs of our high net worth clientele. Our breadth and depth of potential options coupled with our risk management approach and dedicated claims specialists enable us to consistently exceed our clients’ expectations. We provide solutions for individuals with luxury residences and automobiles, collections, yachts, aircraft, personal excess liability, multi-state and even international exposures. Most importantly, at Arroyo, you’ll receive the personalized, first-class service and discretion that you expect from a trusted advisor.
It’s simple: Standard insurance policies are not designed to address the needs of high net worth individuals and families. Million-dollar homes have customized, expensive features to replace should there be a loss. A family may own a fleet of vehicles or a sports car whose value, if damaged in an accident, is significant. Many families also hire domestic help or sit on boards of directors that come with unique risks. Some have a passion for collectibles like fine art, jewelry, antique cars, and wine that require additional coverage.
Following are just some of the coverages we provide to our high net worth clientele:
High Value Homeowners, which includes Replacement Cost coverage and the option to include Extended Replacement Cost or Cash Settlement in the event of a loss
Auto insurance with high liability limits, Agreed Value coverage and other key options available
Collector Car insurance with no depreciation and no deductible
Specialized Collectibles coverage for fine art, jewelry, antiques, wine and other high-asset valuables
Personal Umbrella insurance with high limits (up to $100 million) to protect your assets
Directors & Officers Liability insurance to protect your liability as a board member of a non-profit for the actions or inactions of the organization you serve
Employment Practices Liability insurance to respond to certain claims brought against you by domestic employees, including allegations of wrongful termination, discrimination and sexual harassment
Cyber insurance to protect against cyber extortion, ransomware, online fraud, and personal data exposure
Workers’ Compensation insurance for domestic help should a staff member get hurt on the job
Vacation Homes, Secondary Residences, or Rental Property insurance for your getaway home and income-generating properties
Watercraft/Yacht coverage including Liability and Workers’ Compensation coverage for hired captain and crew
Aviation insurance that covers physical damage to the aircraft and liability for bodily injury or property damage arising from an accident, among other coverages
Primary and Excess Flood insurance with available enhancements including coverage for personal property in a basement, lawns, trees, shrubs and plants, pool repair and refill, and other structures
Earthquake coverage– flexible solutions that offer options such as Agreed Value coverage deductibles from 5% to 25% of the dwelling value, and generous coverage for additional living expenses
Life insurance to protect your loved ones, fund a nest egg, or enhance your charitable giving
Disability insurance for extra income protection in the event of an illness or accident
Why Partner with Arroyo for Your Protection?
Expertise in identifying, assessing, mitigating and preventing loss to tangible assets and personal wealth from liability risk
Market access to premier carriers that offer specialty products with comprehensive insurance and risk management solutions designed to address the needs of our affluent clients
Ongoing, customized insurance and risk management reviews
