Private Client

DeSando Insurance Services understands the needs and wants of the private client sector. We pride ourselves on being an expert provider of insurance products to address the risk management needs of successful individuals. Our level of customization and personalized attention to our clients is unmatched in the insurance industry. We have partnerships with the nation’s top leading insurance companies that specialize in high net worth insurance solutions. Our insurance solutions include high value homes, auto insurance, collectible/valuable items, watercraft, Aircraft, and personal excess/umbrella liability coverage:

High Value Home:

Our high value home products include:

  • Primary, Secondary, Seasonal, Rental, Vacant homes
  • Complex ownership structures (Corporation / Trust / Estate)
  • No maximum coverage limits
  • No maximum deductible
  • Broad wind, flood, earthquake and brush coverage
  • Guaranteed replacement coverage to repair, replace or rebuild to match its original quality
  • Supplemental coverage options for more customized solutions
  • Coverage to help protect family members against kidnapping and extortion

Auto Insurance:

  • Coverage include exotic, luxury, classic, and antique, vehicles
  • Recreational vehicles include motorhomes, golf carts, ATVs, motorcycles, and trailers
  • Policies can be written on Replacement Cost, Agreed Value, Stated Value, or Actual Cash Value basis
  • No maximum value per vehicle
  • Standalone Physical Damage available
  • Complex ownership structures (Corporation / Trust / Estate)
  • Original parts manufacture coverage (OEM)
  • Higher limits for liability and uninsured and underinsured motorist coverage

Collectible/Valuable items:

  • Coverage for fine art, jewelry, wine, antiques, memorabilia or other precious items
  • No maximum coverage amounts
  • Items can be covered under blanket limits or be scheduled individually
  • Fire, theft, flooding, natural disasters, breakage and mysterious disappearance can all be covered
  • Newly Acquired Item coverage is also included.

Watercraft:

  • Coverage for all types of boats including yachts and Mega yachts
  • No Maximum coverage limits
  • Charter / Owner-Captained / Performance Boat exposures are acceptable
  • Broad Navigational limits

Aircraft:

  • Private aircraft
  • Trip cancellations
  • Private staff
  • No maximum coverage limits

Excess/Umbrella coverage:

  • Coverage that responds if a lawsuit alleging personal injury or property damage exceeds the limits in primary (auto, homeowners, yachts, etc.) policies
  • Defense cost outside of the policy limits
  • Coverage up to $100 million
  • Policy enhancements can include coverage for the following exposures:
    • Personal Injury
    • Directors and Officers liability
    • Employment Practices liability
    • Trustee Management liability
    • Uninsured / Underinsured Motorist liability
    • Third Party Uninsured/Underinsured liability

Builders Risk:

  • Protection for new construction or renovation projects
  • No maximum coverage limits
  • Coverage can include earthquake and flood
  • Board Brush exposers

Private Client Insurance Quote Form

  • Please enter a number from 1 to 99999.