High Net Worth Personal Lines Â
Discreet protection for your personal risk. Â
Your personal assets deserve the same level of care and technical structuring as any commercial portfolio. At Scottvale we provide tailored personal insurance solutions for high-net-worth individuals, families and private offices.
High-net-worth individuals and families face personal risk profiles that extend well beyond standard home and contents insurance. From high-value residences and private collections to international travel, lifestyle exposures, household staff liabilities and personal cyber risk, protection needs to be bespoke, discreet and expertly structured.
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Scottvale provides comprehensive personal insurance solutions for high-net-worth individuals, families and family offices, protecting significant personal estates, luxury homes and valuable private collections. Our approach begins with a detailed asset review and valuation alignment, followed by bespoke insurer placement with specialist high-net-worth markets. We provide claims advocacy for complex, high-value losses and ongoing portfolio reviews as assets change, ensuring protection remains aligned to your evolving risk profile.
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Our service is built around discretion, continuity and premium level care for personal exposures.
ASSESSING YOUR PERSONAL RISKÂ
Luxury homes, art collections, vehicles and private estates carry exposures that go beyond typical personal lines products. We work with you to understand your needs, with insight that allows us to design protection that is precise and robust.Â
ASSET COMPOSITION AND VALUATION
SECURITY MEASURES AND PRESERVATION NEEDS
LIFESTYLE RISKS AND GLOBAL EXPOSURES
INTERCONNECTIVITY BETWEEN RISK AREAS
Your partner at every step.
From initial asset review through to claims advocacy and ongoing portfolio management, we act as a long-term partner to high-net-worth individuals and families with complex personal risk profiles. We take time to understand your lifestyle, asset profile and privacy requirements, structure bespoke cover across property, collections and lifestyle exposures, and place risk with specialist high-net-worth insurers.
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As your circumstances and assets evolve, we manage ongoing changes and provide discreet, high-touch support when incidents occur.
ASSET & LIFESTYLE REVIEW
Detailed review of homes, contents, collections, vehicles, travel patterns and household arrangements to define the true risk picture.
PROGRAMME DESIGN
Bespoke personal insurance structured around your assets, privacy needs and risk profile, with appropriate limits and tailored wording.
SPECIALIST MARKET PLACEMENT
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Placement with specialist high-net-worth insurers that understand complex personal exposures and service expectations.
PORTFOLIO MANAGEMENT
Active management of MTAs, renewals and changes as assets are acquired, sold or evolve over time.
CLAIMS ADVOCACY
Discreet, high-touch claims support for complex and high-value losses, with insurer engagement to protect outcomes.
MANAGING YOUR PERSONAL RISKÂ
WHAT WE COVER
High-value homes
Fine jewellery collections
Private collections
Cyber protection for individuals
Fine art collections
High-value lifestyle risks
Classic and performance cars
Household staff liabilities
WHAT WE COVER
HIGH-VALUE HOMES
HOUSEHOLD STAFF LIABILITIES
PRIVATE COLLECTIONS
FINE JEWELLRY COLLECTIONS
CYBER PROTECTION FOR INDIVIDUALS
HIGH-VALUE LIFESTYLE RISKS
FINE ART COLLECTIONS
CLASSIVE AND PERFORMANCE CARS
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WHAT WE COVER
Buildings and contents
Cyber risk
Business interruption
Terrorism
Public & employers’ liability / food & drink liabilityÂ
Guest property and valuables
Reputational and operational exposures
Risk management solutions for major developments
YOUR risk MAY INCLUDE COVER FOR...
LIFESTYLE & PERSONAL EXPOSURE:Â
HIGH-VALUE LIFESTYLE RISKS, HOUSEHOLD STAFF LIABILITIES, CYBER PROTECTION FOR INDIVIDUALS
VALUABLES & VEHICLES:Â
FINE JEWELLERY AND ART COLLECTIONS, CLASSIC AND PERFORMANCE CARSÂ
HOMES & ASSETS:Â
HIGH VALUE HOMES, PRIVATE COLLECTIONS
HOMES & ASSETS
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High-value homes, private collections
protecting high value assets and lifestyle
VALUABLES & VEHICLES
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Fine jewellery and art collections, classic and performance cars
LIFESTYLE & PERSONAL EXPOSUREÂ
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High-value lifestyle risks, household staff liabilities, cyber protection for individuals