Private Client Group

High Net Worth Insurance for Successful Individuals and Families

You have a lot to protect and we have the expertise to create the insurance portfolio you need to do so.

Insurance for High Net Worth Individuals

Protect your current assets and have the coverage to grow.

The Horton Private Client Group is more than insurance, it’s more than a group of policies. It’s personal risk management – a portfolio designed by high net worth insurance brokers for your unique mix of assets.

Over the past decade, managing the intricate, emerging risks of successful individuals and families have become far more complex. As one of the top 50 largest high net worth insurance brokers in the U.S., we have access to sophisticated property and liability insurance products and solutions tailored to address the unique needs of our clients.

Our clients’ complex insurance needs include:

Owning custom homes in multiple locations, both domestically and abroad
Having significant collections of jewelry, fine art, or other valuables
Owning properties in areas prone to catastrophic loss (e.g. earthquake, flood, landslide, wildfire)
Owning luxury, antique, or exotic automobiles
Owning or operating personal aircraft, luxury yachts, or other watercraft
Serving on a nonprofit board as a director or officer
Traveling both domestically and abroad
Owning horses, ranches, or farms
Employing domestic staff or contractors
Owning or co-owning property in a trust, LLC, or other entity
Requiring excess (umbrella) liability insurance limits of $5 million to $100 million
And so much more…

Talk to One of Our High Net Worth Insurance Brokers

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High Net Worth Insurance Strategies For Successful Individuals and Families

Our job is done when your assets are fully protected.

Finding the right high net worth insurance for your lifestyle can be complicated but your experience with our brokers won’t be. As high net worth insurers, we go beyond insurance to uncover your unique risks and develop strategies that keep you and your assets protected.

Explore Personal Excess Liability Coverage Price Discovery Tool

Beyond Insurance – High Net Worth Insurance Risk Strategies

Protecting your lifestyle goes beyond insuring your home and cars. It’s all the intricate details of your everyday life we uncover, assess, and protect – yes, it’s complicated.

There are many layers that traditional insurance brokers fail to uncover and therefore cannot protect against.

Benefits of working with Horton’s High Net Worth Insurance Brokers of the Private Client Group:

Expertise in identifying, assessing, and mitigating losses to tangible assets and protecting personal wealth from liability exposures
Unbiased guidance to our clients in all aspects of their personal risk management portfolio
Client advocacy through customized insurance and risk management analysis
Exclusive access to proprietary collections and excess liability coverage nationally through our Assurex Global partnership
Access to sophisticated personal insurance carriers that offer specialty products and personal risk management solutions

When you join the Private Client Group, you not only gain access to our Personal Risk Advisors and the top sophisticated carriers worldwide, you also get the Horton Experience, including a dedicated service team.

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Home and Away – Your Global Team of High Net Worth Insurers

Founded in 1971 and based in the Chicagoland area, The Horton Group has grown to over 450 employees with over $70 million in annual revenue. We are consistently ranked in the 50 Largest Brokers of the U.S. and are listed as one of Insurance Journal’s Top 100 Property/Casualty Agencies.

As an Assurex Global Partner, we are part of the largest privately held risk management network in the world.

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As one of the top 50 largest high net worth insurance brokers in the United States, we have the ability to offer a portfolio of individual risk management solutions.

Homeowners Insurance

For primary and secondary homes, tenant occupied properties, and rental properties worldwide

Vehicles Insurance

Including private passenger, vintage/classic, and antique cars, as well as motorcycles and RVs

Personal Watercraft & Yachts

Hurricane protection; on-water emergency, towing, and assistance; captain and crew; and marine and environmental damage for large and small watercraft and yachts

Excess Liability and Umbrella

Individual and group insurance, with insurance coverage limits up to $100 million

Cybercrime & Identity Theft

To cover losses related to the theft of your identify, cyber extortion, fraud, or social engineering

Collection Insurance

Including fine art, jewelry, wine collections, whiskey collections, aircraft, equine and antiques

Domestic Employees

Including workers’ compensation and employment practices liability

Directors and Officers Insurance

Insurance coverage for officers and directors of nonprofit or for-profit boards or companies

Life & Health Insurance

Short-term disability insurance and long-term care insurance, as well as complex life insurance planning

Collection Coverage

Have A Passion? There’s A Chance It Should Be Protected

You’ve earned the lifestyle you have, make sure it’s protected with collection insurance coverage that ranges from wine collection, aircrafts, and even equines. Get the collection insurance protection you need to enjoy life worry-free.

Explore Collection Insurance Coverage

Insurance Solutions

A Sophisticated Portfolio Designed To Meet Your Needs

That’s what we guarantee.

Our high net worth insurance brokers have years of experience partnering with high earning individuals and families to manage the complex risks they face. When you hand your assets over to Horton, you’ll be putting them in the hands of experts who can find the best solutions to protect what matters most.

Explore High Net Worth Insurance Solutions

Exterior shot of pool, pool deck and modern home with glass walls.

Cindy Beckman, Horton Group insurance broker.

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Resources

Stay Up-to-Date on Insurance and Risk Trends

Risk evolves. Insurance should, too. Our resource library includes several insurance- specific and risk- related topics, so you’re ready to adapt and safeguard what matters.

See all our resources

Jewelry Theft: Know Your Coverage Options & Protect Your Valuables

Jewelry often carries financial and sentimental worth, which is why we go to great lengths to protect it. In fact, surveys often reveal that jewelry…

Pouring Over Protection: The Benefits of Insuring Your Wine Collection

As wine has gained popularity in recent years, more Americans have found themselves investing large sums in the beverage. Most buy for immediate enjoyment. Others…

Aged to Perfection: The Top Dos and Don’ts of Long-Term Wine Storage

According to research conducted by Sonoma State University, upwards of ninety percent of wines purchased in the United States are consumed within one to two…

Your Assets Should Be Protected

And Horton is here to ensure that they are. Work with compassionate brokers who go above and beyond to find the best high net worth insurance solutions you need.

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