Everything you own. One policy. Nothing to do.
A single composite insurance contract for families of significant wealth. Your homes, your yacht, your cellar, your collection, your horses, your businesses and your health, under one wording, one premium and one telephone number. Arranged through regulated insurance brokers and underwritten by a panel of A-rated insurers.
Aggregate cover, scalable with your balance sheet
No medical restrictions or asset exclusions on entry
Annual revaluation, so you are never underinsured
One document, one premium, one call
Wealth is currently insured in twelve pieces.
A family of significant means typically holds between eight and twelve separate policies, written by different insurers, in different jurisdictions, on different renewal dates. The gaps between them are discovered at the worst possible moment.
Most insurers will only insure one property
Homes in London, Singapore and the Alps mean three contracts on three wordings, and three opportunities for the cover to disagree with itself. We write every home under one section.
Stale valuations cut your settlement
Asset values move while valuations go stale, and average clauses reduce payouts at claim. It is the most common cause of dispute in high value claims, and it is entirely preventable.
The loss adjuster works for the other side
The adjuster who assesses your claim is appointed and paid by the insurer. Most policyholders never learn this. We thought you should know.
Nothing holds an insurer to a timeline
Claims sit in queues, and the cost of chasing them falls on the person who has already suffered the loss. We built our entire service around that moment.
Tick what you want covered. We organise everything.
Select the sections that apply to your life. Your schedule of cover assembles itself as you choose, and a regulated broker structures the contract around it in one private consultation.
COMPOSITE WORDING
Indicative only. Your contract is structured in consultation with a regulated insurance broker.
From the cellar to the runway.
Worldwide medical and long term illness cover, inside the same contract.
No private client policy on the market covers your health alongside your homes and your assets. Ours does. The Person section brings worldwide private medical, critical and long term illness cover, and travel without trip limits into your single composite wording.
The claim is chased so that you never have to.
Most insurance is tested once, at the moment of loss. We built the entire firm around that moment.
Our AI calls them. Not you.
Every open claim runs against agreed service timelines. The moment an insurer or adjuster exceeds one, our AI agent telephones them, records the conversation, and escalates to your relationship manager. You watch the claim move on a live tracker.
14:03 — Chase call placed, logged
14:11 — Settlement timeline confirmed
One call that accelerates settlement.
A short confirmation call verifies the details of your claim against your first notification. Clean claims clear faster, and the discipline of the process is precisely what allows our panel to offer terms this broad.
Claim cleared for fast track
Adjuster instructed same day
A loss adjuster on your side of the table.
The insurer appoints an adjuster who acts for them. We retain chartered loss adjusters who act for you, engaged automatically on any substantial claim. Two adjusters, two sides, and yours is already paid for.
Your adjuster: retained by us, acting for you
One contract. The world's strongest carriers behind it.
You hold a single composite wording. Behind it, each section is underwritten by an A-rated specialist in that class. We negotiate the structure. You sign one document. All broking, placement and advice is provided by regulated insurance brokers in each jurisdiction in which we operate.
- Lloyd's of London syndicates Complex & specialty
- Global private client insurers Property & fine assets
- Specialist marine & aviation underwriters Yachts & aircraft
- Dedicated bloodstock carriers Equine
- International health insurers Medical & illness
- A-rated security throughout Minimum standard
One conversation. Then nothing to do.
Tell us a little about what you own. A senior broker will contact you within one working day to review your current arrangements and structure your composite schedule.
Thank you. We have your enquiry.
A senior broker will contact you within one working day to arrange your private consultation.