Private Client Insurance

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 and private client risk management services for individuals and families with complex assets, multiple properties, and global exposure.

As wealth grows, protecting it becomes more complex.

Private client insurance needs to keep up.

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 becomes fragmented, structured around policies instead of the bigger 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. 

Any gaps in high-net-worth insurance are rarely obvious until something goes wrong.

Most private client insurance is designed to respond after a loss—not to anticipate or prevent one. For high-net-worth individuals, this 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 cyber breach to liability exposure 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 really work.

Why choose us?

Most private client and high-net-worth insurance is built around policies. Ours is built around how your world actually works—because, when it comes to complex lives, traditional coverage often falls short.

With specialist teams in more than 50 countries, we bring the benefits of global reach with the attentiveness of a boutique. It means we can insure your assets anywhere in the world—and simplify even the most complex cross-border policies—all through your local advisor.

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

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

This is insurance as it should be: thoughtful, coordinated, and in step with your life—not behind it. We don’t just place insurance—we create a fully aligned strategy and risk management process. 

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

Inspired by world-class hospitality, we believe service should be felt, not explained. Our "signature service" is the foundation of your experience—where intricacy and complexity feel effortless. 

Our teams work with seamless coordination to anticipate your needs, resolve issues quickly, and ensure every detail is handled with precision and care.

We have trusted partnerships with some of the world's leading insurers. It means we can shape, negotiate, and customize your solutions through insight and advocacy. We're not constrained by geography or off-the-shelf market options.

With us, you can count on a team that understands all the nuance and complexity of your world. And you can count on the same people every time—not a series of disconnected hand-offs.

Our model of employee ownership means we're totally invested in your interests and success. This culture of accountability fosters enduring relationships built on trust, discretion, and genuine care—an ethos that sets us apart.

We'll see to it that your coverage evolves as your life does—deliberately, proactively, and with a clear view of what’s ahead.

Our private client insurance solutions

  • Private client house

    High-value homes

    Protection for luxury properties, including primary, secondary, and international residences. Designed to reflect how these homes are owned, lived in, and exposed, not just where they’re located.

  • aston martin insurance

    Luxury and collector vehicles

    Insurance for classic and performance cars. More than just a policy listing, but coverage for vehicle storage, handling, and transportation between locations.

  • jewelry necklace

    Fine art, jewelry, and valuables

    Coverage includes watches, wine, whiskey, and other collections—reflecting how these valuables are looked after, moved around, displayed, and experienced.

  • Yacht in bay

    Yachts and watercraft

    Insurance for motor vessels, superyachts, and other pleasure craft. Protection tailored for global waters and evolving liability exposure, including crew, navigation, storage, and movement between ports.

  • Private Client

    Aviation

    Protection for private jets, helicopters, light aircraft, and more—based on how these assets are owned, used, stored, and moved around. Solutions designed for complex ownership and global exposure.

  • Horse and esquire

    Farms, ranches, and equine

    Insurance for rural estates and equine operations. Designed for horse breeding, training, boarding, and transportation. Includes mortality and medical, as well as care, custody, and control exposure.

  • Umbrella

    Personal umbrella liability

    High-limit liability protection designed for real-world exposure, not just larger limits. Coordinated coverage for homes, vehicles, staff, and lifestyle risks.

  • cyber data center

    Cyber, privacy, and reputation

    Coverage and guidance for evolving digital and reputational risks, including fraud, data breach, and identity theft. Designed to protect increasingly connected—and exposed—lives.

  • Family office

    Family offices

    Protection for high-net-worth families and family offices. Crafted to simplify complex ownership structures, with a 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—built around your full exposure, not assembled one policy at a time.

Related content

Let's talk

Connect with one of our private client advisors for a confidential review of your assets and protection needs.

  • 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.

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