Meeting your distinct insurance needs.

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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.

When You Have More to Protect

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