• Skip to primary navigation
  • Skip to main content
  • Skip to primary sidebar
  • Skip to footer
(808) 400-6680
  • Blog
  • Contact
  • Locations
  • MyATLAS Connection
  • Insurance Factors
  • Pay Online
Atlas Insurance Agency

Atlas Insurance Agency

Hawaii's Largest Insurance Agency

  • Business
    • Auto
    • Benefits Consulting
      • Group Health
      • Group Life
      • Self Funding
    • Small Business
    • Casualty
      • Cyber Liability
      • Directors & Officers
      • Employment Practices
      • Errors & Omissions
      • General Liability
      • Workers Compensation
    • Property
      • Builders Risk
      • Cargo
      • Crime
      • Flood
      • Hurricane
      • Income
    • Risk & Claims Consulting
      • Claims Management
      • Risk Control
    • Surety Bonds
    • Umbrella
  • Personal
    • Atlas Insurance Analysis
    • Auto
    • Homeowners
      • Earthquake
      • Flood
      • Hurricane
    • Private Client Group
    • Renters
    • Umbrella
    • Watercraft
  • Benefits Consulting
    • Group Health
    • Group Life
    • Self Funded
    • Small Business
  • Industries
    • AOAO
    • Architects & Engineers
    • Attorneys
    • Auto Dealers
    • Construction
    • Financial Institutions
    • Hospitality
    • Manufacturing
    • Medical
    • Moving Companies
    • Nonprofits
    • Public Officials
    • Real Estate
    • Renewable Energy
    • Restaurants
    • Retail
    • Schools
    • Technology
    • Tour Buses
    • Wholesalers
  • About
    • Careers
    • FAQs
    • News
    • Newsletter
    • Philanthropy
    • Team
    • Testimonials
  • Blog
  • Contact
  • Locations
  • MyATLAS Connection
  • Pay Online
  • (808) 400-6680
  • Get An Insurance Quote
Get An Insurance Quote

Protect Your Investment with Private Client Insurance

February 20, 2023, by Atlas Insurance Agency

estate women with clientAccomplished individuals often have assets exceeding the maximum coverage limit of standard insurance carriers. When this happens, they need specialized insurance that will provide comprehensive coverage with high liability limits.

Private client insurance is designed specifically for people with high-value assets or a high quantity of assets they need to protect. These policies typically cover high-dollar items for their full value and can provide policyholders the coverage they need without the concerns of caps or limits.

Policies are Conveniently Bundled

Private client insurance offers convenience to policyholders by allowing all of their assets to be insured through a single carrier. When all of their items are covered by one insurance carrier, policyholders are only responsible for one premium.

Working with a single carrier also reduces confusion as policies can be seamlessly integrated and accessed in one place, including home, auto, motorcycle, boat, and liability policies. If one policy becomes maxed out, another will pay the excess.

What Private Insurance Policies Cover

Private client insurance is designed to cover a very specific type of situation; it is generally recommended for individuals and families with high-value assets. Insurance options under the private insurance group go beyond the capabilities of standard market insurance by providing policyholders with increased coverage limits, concierge-level claims handling and unique policy lines.

Those with high-value assets understand the importance of obtaining policies such as automobile, property and umbrella insurance. However, high-asset owners also know they can benefit from specialty insurance policies, such as the following:

Collection Insurance

Many people spend years acquiring and increasing their beloved collections, which often include high-priced or hard-to-find pieces. Collection insurance is a specialized policy that can help policyholders rebuild their collection if one or more pieces are stolen or damaged. Collection insurance can be purchased for nearly any type of collection, such as:

  • Books
  • Fine art
  • Antiques
  • Wine
  • Pottery
  • Sports memorabilia
  • Stamps
  • Jewelry
  • Comic Books

home wooden dummy stuck between bricksWhile a standard homeowners insurance policy will cover personal property, these policies have strict limits. The value of high-priced collections often exceeds these limits, meaning policyholders who suffer losses within their collections may not be fully reimbursed under standard personal property coverage.

Collection insurance often provides benefits that are not available with a standard homeowners insurance policy. What makes this specialty coverage unique is an aspect known as the agreed value.

With agreed-value coverage, a policyholder is paid a set amount agreed upon by the insurer when purchasing a policy. The agreed value is based on various factors, such as the condition of the collection, its rarity, special features and industry guidelines.

Protect Your Investment

Many people find the process of obtaining insurance coverage for their assets, ensuring sufficient protection, and meeting the appropriate limits to be overwhelming. With private client insurance, policyholders can rest easy knowing that their most high-value and prized possessions are properly valued and protected with insurance limits that meet their unique needs.

Atlas Insurance Agency customizes insurance options to meet the specific coverage requirements of clients to ensure that their investments remain protected. To learn more about private client insurance, and determine if this coverage is right for your situation, contact an agent at Atlas Insurance Agency by calling (808) 400-6634.

categories iconAPG Insurance,  Personal Insurance

Primary Sidebar

Have A Question?

Reach out to the professionals at Atlas Insurance Agency, and our team will respond to your inquiry as soon as possible.

  • Sorry, unfortunately we do not provide coverage outside Hawaii
  • This field is for validation purposes and should be left unchanged.

Footer

Atlas Insurance Logo
Corporate Headquarters 201 Merchant Street, Suite 1100 Honolulu, HI 96813
(808) 400-6680
info@atlasinsurance.com

Link to company YouTube page

Link to company LinkedIn page

Link to company Facebook page

Link to company TikTok page

Link to company Instagram page

Business Insurance

  • Small Business
  • Commercial Auto
  • Commercial Casualty
  • Commercial Property
  • Commercial Umbrella
  • Employee Benefits
  • Risk Control
  • Claims Management
  • Surety Bonds

Personal Insurance

  • Homeowners
  • Personal Auto
  • Personal Property
  • Personal Umbrella
  • Watercraft
top 100 agency badge
BBB torch award logo
best places to work 2025 logo.png
property casualty 360 award logo
most charitable companies award logo

© 2025 Atlas Insurance · Powered by 321 Web Marketing · Website Privacy Policy & Terms of Use