Private client

High net worth insurance and private client risk management for complex lives—delivered with foresight, precision, and care.

Extradordinary lives

We provide high net worth insurance, private client insurance, and risk management services designed for individuals and families with complex assets, multiple properties, and global exposure.

As wealth becomes more complex, assets span properties and jurisdictions.

Private client insurance needs to keep pace but often falls out of step without the right coordination.

Private client insurance hasn’t kept pace with the lives it’s meant to protect. As portfolios expand across multiple homes, collections, and business interests, coverage often becomes fragmented, structured around policies instead of the full picture. 

At the same time, risk itself is evolving—faster than most insurance programs can adapt. 

Climate, technology, and global exposure are reshaping what protection actually requires. 

For complex lives, a reactive model doesn’t work. It never has.

High-net-worth insurance gaps are rarely obvious until something goes wrong.

Most private client insurance programs are built to respond after a loss—not to anticipate and prevent one. For high net worth individuals, that creates a disconnect between what’s insured and what’s actually at risk. 

Coverage becomes inconsistent. Exposures go unseen. Decisions are made in isolation. 

Until something happens. 

From water damage and liability exposure to cyber risk and valuation misalignment, the most meaningful risks are often the least visible. 

The issue isn’t access to insurance. It’s that most high-net-worth insurance was never designed for how complex lives actually work.

Why choose us? The Howden Difference

Most private client insurance and high net worth insurance programs are built around policies. Ours is built around how your world actually works—because for complex lives, traditional insurance solutions for high net worth individuals fall short.

Our model is built on a disciplined risk management framework—designed around anticipation, precision, and long-term protection. It helps reduce risk, strengthen insurability, and support better decisions over time.

  • Proactive risk identification before losses occur
  • Strategic coverage design tailored to complex assets and exposures
  • Continuous monitoring and adaptation as your life evolves

This is insurance as it should be: thoughtful, coordinated, and built around you.

We don’t just place insurance—we build a coordinated strategy. Our approach follows a structured risk management process:

  • Anticipate risks others overlook
  • Protect with precision-designed coverage
  • Respond with expert advocacy when it matters most
  • Recover with continuity and confidence

This ensures your high-net-worth insurance program evolves with your life—not behind it.

Inspired by world-class hospitality, we believe service should be felt—not explained.

The Howden Signature Service is the foundation of your experience—designed to make complexity feel effortless. Our teams work in coordination to anticipate needs, resolve issues quickly, and ensure every detail is handled with precision and care.

We work directly with leading insurers—shaping solutions through insight and advocacy, not constrained by off-the-shelf market options.

You work with a team that understands the full scope of your world—not a series of disconnected handoffs.

Your coverage evolves as your life does—deliberately, proactively, and with a clear view of what’s ahead.

The private client insurance products we offer

  • Private client house

    High value home insurance for primary, secondary and international residences

    Protection designed around how properties are owned, used, and exposed—not just where they’re located.

  • aston martin insurance

    Luxury, collector and performance vehicles

    Coverage built around real-world use—how assets are stored, transported, and handled across locations—not just listed on a policy.

  • jewelry necklace

    Fine art, jewelry and valuable articles insurance

    Coverage for fine art, jewelry, watches, wine, whiskey, and collections—reflecting how they are stored, transported, displayed, and experienced.

  • Yacht in bay

    Yachts and watercraft

    Coverage for everything from personal watercraft to luxury mega-yachts—designed around real-world navigation, crew, storage, and movement between locations, with protection tailored for global waters and evolving liability exposure.

  • Private Client

    Aviation

    Most aviation coverage is built around the asset. Ours is built around how it actually operates—how it’s owned, used, stored, and moved across locations, with solutions designed for complex ownership and global exposure.

  • Horse and esquire

    Farms, equine and bloodstock

    Coverage for farms, estates, and equine operations—designed around how animals are bred, trained, boarded, and transported, including mortality, major medical, and care, custody, or control exposure.

  • Umbrella

    Umbrella liability insurance for high-net worth individuals

    High-limit liability protection designed around real-world exposure—coordinating coverage across homes, vehicles, staff, and lifestyle risks, not just adding limits.

  • cyber data center

    Cyber, digital and reputational exposure

    Coverage and guidance for evolving cyber, privacy, and reputational risks—including fraud, identity theft, and digital exposure—designed to help protect increasingly connected lives.

  • Family office

    Family offices and complex ownership structures

    Protection designed for high-net-worth families and family offices—simplifying complexity through a more coordinated, discreet, and forward-looking approach to risk.

Beyond traditional insurance

  • Wild fire

    Risk assessment and mitigation

    We help identify potential risks across properties and assets, before they become a claim—not after.

  • Specialist market access

    Specialist market access

    Access isn’t the differentiator. Knowing how to use it is.

  • People in a meeting at a long table

    Structured risk management solutions for complex needs

    Programs built around your full exposure—not assembled one policy at a time.

Let's talk

Connect with a Howden private client advisor for a confidential review of your assets and protection.

  • Photo of Joe Clark

    Joe Clark

    President, Howden US Private Client
    Photo of Joe Clark

    Joe Clark

    Linked In
    President, Howden US Private Client

    Joe leads the national strategy for delivering tailored, high-touch insurance solutions to affluent and high-net-worth individuals, families, and family offices. He oversees business development, carrier partnerships, and service excellence, ensuring clients receive the most innovative, proactive risk management strategies in the market.

    With more than 20 years of leadership in insurance brokerage and financial management, Joe has built trusted, long-standing relationships with top insurance carriers and senior executives across the private client, personal lines, and small commercial segments. These partnerships have been instrumental in creating bespoke solutions and strategic alliances for complex client needs.

    Prior to joining Howden, Joe led Liberty Companies’ Select Division as President, managing over 250 team members serving tens of thousands of clients in 41 states. Earlier, he spent seven years at Aon Private Risk Management, driving national growth and strategic partnerships with major organizations including professional sports leagues, investment banks, private equity firms, and hedge funds. He also served as Senior Vice President of Personal Lines at Willis, and Agency Manager at one of Nationwide’s top-performing agencies.

    A Philadelphia native, Joe served two years of active duty aboard the USS Tarawa and six years in the U.S. Navy Reserve. He studied at Penn State and Temple University, where he has also been a guest lecturer.

    Joe and his wife, Lynn, split their time between the Philadelphia suburbs and Ocala, Florida. They are proud parents of three adult children and co-founders of the EBOD Foundation, which supports dementia and Alzheimer’s research, veterans, and underserved youth. Joe also serves on two nonprofit boards focused on education and children’s initiatives.

  • Photo of Stephen Poux

    Stephen Poux

    SVP, Risk Management & Claims, Howden US Private Client
    Photo of Stephen Poux

    Stephen Poux

    Linked In
    SVP, Risk Management & Claims, Howden US Private Client

    Stephen Poux serves as SVP, Risk Management & Claims, Howden US Private Client, where he leads comprehensive programs and services designed to protect the properties and passions of high-net-worth families. Steve also oversees Howden’s claims advocacy efforts to deliver a streamlined, client-focused experience.

    With over 30 years in the high-net-worth insurance space, Steve has held pivotal leadership roles at Chubb, Fireman’s Fund, AIG, and most recently The Liberty Company Insurance Brokers. At AIG, where he served as Senior Vice President and Head of Risk Management Services and Loss Prevention, Steve launched industry-defining initiatives such as the Wildfire Protection Unit® and Hurricane Protection Unit®, transforming loss prevention strategies for high-net-worth families. His strategic vision and client-centric approach have consistently driven operational growth and the development of market-leading solutions.
    As one of the country’s foremost authorities on risk management and catastrophe preparedness, Steve has been featured in The New York Times, The Wall Street Journal, Fortune, and on CNBC. He has also served as a subject matter expert for the U.S. Government’s Wildland Fire Commission and as a speaker at U.S. Congressional science briefings focused on catastrophe resilience and preparedness.

    Beyond his professional work, Steve’s commitment to protecting what families value most is deeply personal. He is an active-duty volunteer firefighter in his local community, reflecting his dedication to service, safety, and resilience.

    Steve’s depth of expertise, forward-thinking mindset, and leadership continue to advance Howden’s mission to serve high-net-worth families by proactively managing and reducing their risk.

  • Photo of Dale Krupowicz

    Dale Krupowicz

    SVP, Operations & Client Experience, Howden US Private Client
    Photo of Dale Krupowicz

    Dale Krupowicz

    Linked In
    SVP, Operations & Client Experience, Howden US Private Client

    Dale Krupowicz serves as SVP, Operations & Client Experience for Howden US Private Client,
    where she is responsible for overseeing operational strategy, team development, and client
    service delivery for the firm’s growing high-net-worth practice. In this role, she ensures
    operational excellence across business development, carrier partnerships, and service
    standards, while supporting the division’s mission to deliver innovative and personalized
    risk management solutions to affluent individuals, families, and family offices.

    Dale is a senior insurance executive with more than 25 years of experience advising high-net-
    worth individuals, families, and family offices on personal risk management. She
    specializes in delivering tailored insurance solutions that protect complex assets while
    ensuring a seamless, concierge-level client experience.

    Most recently, Dale served as Chief Operating Officer and Partner at Personal Risk
    Management Solutions, where she helped lead the firm’s strategic growth and client
    service initiatives. In this role, she worked closely with wealth managers, financial advisors,
    and family offices to design sophisticated insurance programs that addressed the unique
    needs of affluent clients. She oversaw large account management, carrier partnerships,
    and business development efforts, while also mentoring teams and cultivating a client-first
    culture.

    Dale holds the Certified Advisor of Personal Insurance (CAPI) designation from the Wharton
    School. She has been featured in industry publications, participated on insurance panels
    for both the Private Risk Management Association (PRMA) and Council for Insuring Private
    Clients (CIPC), and has been named one of the Elite Women in insurance by Insurance
    Business America.

Start with a Private Client Risk Review

A confidential conversation to understand where you stand—and where you may be exposed.

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