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High Net Worth Homeowners & Private Client Services

Time is your most valuable asset. So our suite of comprehensive, private client services are designed to save you as much of it as possible. Your suite of customizable services, developed in consultation with your relationship manager, includes:

  • A dedicated Private client service advisor and Associate team, providing our highest level of personalized, attentive and discreet service
  • Access to our industry-leading high net worth insurance companies
    • Chubb Insurance Company of Canada
    • Guarantee Gold Insurance Company of North America
    • Aviva Ovation Insurance.
  • 24/7 access to your insurance policies through our online portal
  • Automobile Coverage
    • No depreciation (Waiver of Depreciation): If this endorsement appears on your policy, we will ensure that the value of your vehicle does not depreciate in the event of a covered loss or theft.
    • Specific Collector Car Coverages:
      • Choice of Body of shop
      • No Kilometer restrictions
      • Coverage of newly acquired vehicles worldwide
      • Referrals to top restoration specialists when needed
    • OEM parts replacement (when available)
    • Rental car coverage
  • High Net Worth Homeowners coverage
    • Complimentary Appraisals: A licenced appraiser will visit your home to ensure your coverage is accurate to the true value of your residence.
    • Enhanced business property coverage on your premises
    • Worldwide personal liability
    • Optional cash settlements on building and contents
    • Replacement cost coverage on primary, secondary and seasonal properties.
  • Wine Insurance
    • Agreed Value and Cash Option.
    • Vintner and Sommelier. Vintner coverage offers basic protection: theft, fire, vandalism and breakage. Sommelier coverage offers additional protection with the following coverages: extremes in temperature, humidity changes, vibration and light damage.
    • No Deductible.
    • Minimum Appraisal Threshold. For your ease, our companies only require appraisals for bottles of wine over $10,000.
    • Blanket or Itemized coverage, your choice while providing the same rate and coverage under both options (blanket coverage subject to a $5,000 per item limit).
    • Cost Effective Rating. This coverage ensures that scheduling wine is more affordable than combining wine under contents coverage.
    • Breakage. This coverage is included for both Vintner and Sommelier packages.
    • Worldwide, Transit and Off-Site Storage. Available coverage for your wine anywhere in the world*. In addition, your wine is automatically covered while in transit to a new location or stored off-site (subject to limitation).
    • Label Coverage. Available coverage for any damage to the labels of wine: peeling, tearing, etc.
    • Wine Accessories. Also included in your coverage are climate control systems, racking systems, inventory systems and other accessories. Territorial restrictions may apply.
  • Fine arts, Furs, Jewellery and Collectables
    • Newly acquired items are automatically covered for up to 25% of the itemized limit for a maximum of 90 days. This coverage can be applied to fine arts, furs, cameras, musical instruments, jewellery and other collectibles.
    • Pairs and Sets: We know original quality is important so if we cannot replace or repair a damaged item with identical parts, we will cover the expense of replacing the entire set.
    • We understand the changing costs of metals and precious gems. The companies we represent provide agreed value coverage on a scheduled item, and you decide to replace this item following a covered claim, some of our companies will pay up to 150% of the agreed value amount listed for this item in order to replace it.
  • Umbrella Insurance
    • Specializing in products for high net worth homeowners, Alpine Insurance offers protection for your personal assets that are at risk from basic limits of liability. Personal Umbrella Liability insurance provides additional protection in excess of the standard liability limit for homes, cottages, high value automobiles, marine and recreational vehicles.
    • Worldwide protection
    • Rental car protection
    • Not-for-profit D&O coverage
    • Coverage for personal injury, libel and slander
    • Limits up to $10,000,000

 

For Calgary High Net Worth insurance brokers click here
For Canmore High Net Worth insurance brokers click here
For Edmonton High Net Worth insurance brokers click here
For Faust High Net Worth insurance brokers click here
For Lethbridge High Net Worth insurance brokers click here
For Red Deer High Net Worth insurance brokers click here

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High Net Worth Homeowners & Private Client Services

Time is your most valuable asset. So our suite of comprehensive, private client services are designed to save you as much of it as possible. Your suite of customizable services, developed in consultation with your relationship manager, includes:

  • A dedicated Private client service advisor and Associate team, providing our highest level of personalized, attentive and discreet service
  • Access to our industry-leading high net worth insurance companies
    • Chubb Insurance Company of Canada
    • Guarantee Gold Insurance Company of North America
    • Aviva Ovation Insurance.
  • 24/7 access to your insurance policies through our online portal
  • Automobile Coverage
    • No depreciation (Waiver of Depreciation): If this endorsement appears on your policy, we will ensure that the value of your vehicle does not depreciate in the event of a covered loss or theft.
    • Specific Collector Car Coverages:
      • Choice of Body of shop
      • No Kilometer restrictions
      • Coverage of newly acquired vehicles worldwide
      • Referrals to top restoration specialists when needed
    • OEM parts replacement (when available)
    • Rental car coverage
  • High Net Worth Homeowners coverage
    • Complimentary Appraisals: A licenced appraiser will visit your home to ensure your coverage is accurate to the true value of your residence.
    • Enhanced business property coverage on your premises
    • Worldwide personal liability
    • Optional cash settlements on building and contents
    • Replacement cost coverage on primary, secondary and seasonal properties.
  • Wine Insurance
    • Agreed Value and Cash Option.
    • Vintner and Sommelier. Vintner coverage offers basic protection: theft, fire, vandalism and breakage. Sommelier coverage offers additional protection with the following coverages: extremes in temperature, humidity changes, vibration and light damage.
    • No Deductible.
    • Minimum Appraisal Threshold. For your ease, our companies only require appraisals for bottles of wine over $10,000.
    • Blanket or Itemized coverage, your choice while providing the same rate and coverage under both options (blanket coverage subject to a $5,000 per item limit).
    • Cost Effective Rating. This coverage ensures that scheduling wine is more affordable than combining wine under contents coverage.
    • Breakage. This coverage is included for both Vintner and Sommelier packages.
    • Worldwide, Transit and Off-Site Storage. Available coverage for your wine anywhere in the world*. In addition, your wine is automatically covered while in transit to a new location or stored off-site (subject to limitation).
    • Label Coverage. Available coverage for any damage to the labels of wine: peeling, tearing, etc.
    • Wine Accessories. Also included in your coverage are climate control systems, racking systems, inventory systems and other accessories. Territorial restrictions may apply.
  • Fine arts, Furs, Jewellery and Collectables
    • Newly acquired items are automatically covered for up to 25% of the itemized limit for a maximum of 90 days. This coverage can be applied to fine arts, furs, cameras, musical instruments, jewellery and other collectibles.
    • Pairs and Sets: We know original quality is important so if we cannot replace or repair a damaged item with identical parts, we will cover the expense of replacing the entire set.
    • We understand the changing costs of metals and precious gems. The companies we represent provide agreed value coverage on a scheduled item, and you decide to replace this item following a covered claim, some of our companies will pay up to 150% of the agreed value amount listed for this item in order to replace it.
  • Umbrella Insurance
    • Specializing in products for high net worth homeowners, Alpine Insurance offers protection for your personal assets that are at risk from basic limits of liability. Personal Umbrella Liability insurance provides additional protection in excess of the standard liability limit for homes, cottages, high value automobiles, marine and recreational vehicles.
    • Worldwide protection
    • Rental car protection
    • Not-for-profit D&O coverage
    • Coverage for personal injury, libel and slander
    • Limits up to $10,000,000

For Calgary High Net Worth insurance brokers click here
For Canmore High Net Worth insurance brokers click here
For Edmonton High Net Worth insurance brokers click here
For Faust High Net Worth insurance brokers click here
For Lethbridge High Net Worth insurance brokers click here
For Red Deer High Net Worth insurance brokers click here

We’re here to answer any questions you may have