High Net Worth Individuals & Families

Achieve peace of mind at home and for what matters most.

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Insurance: Your Most Valuable Investment

Let’s create a bespoke risk management solution to secure your family and lifestyle both now, and in the future. We help you access the nation’s leading insurance carriers to secure comprehensive insurance packages for primary homes, vacation properties, cars, artworks, and other valuable possessions.

We also offer access to a team of experienced professionals who can help you manage your insurance portfolio and provide advice on how to best protect your assets. Our coverage includes liability protection, property damage, theft, and more. We understand the importance of protecting your lifestyle and financial security, so we partner with premier insurance carriers to offer you the highest level of service and coverage available.

Through white glove service and claims experience, ZRM Brokerage enhances your sustainability while securing peace of mind.

We live in a litigious society

High net-worth families are often targeted by frivolous lawsuits and when a true claim situation occurs, families who can be Googled are targeted extensively. We specialize in providing highly successful families with solutions and risk mitigation resources to protect their estate. From homeowners insurance to international kidnap and ransom protection, we’ve got you covered.

Risk Evaluation and Strategy for Highly Successful Families

  • Analyze risk profile & mindset
  • Gather data & assemble the facts
  • Discuss current and future lifestyle
  • Assess your current program to identify gaps in coverage
  • Evaluate potential solutions and propose a program
  • Enhance insurance literacy

Bespoke Insurance Solutions With Premier Insurance Carrier

  • In-depth assessment of risks
  • Evaluate needs against proposed carriers and program offerings
  • Confirm unique elements of the program to protect your lifestyle
  • Present easily digestible summary of insurance & contracts
  • Confirm service team, contact preferences, and calendar

White Glove Program Management

  • Accessible, top-notch service
  • Discuss policy or lifestyle changes and strategically address risks
  • Suggest and verify modifications in coverage, premiums, and policy provisions

  • A resource for ongoing insurance and risk management questions with solutions

One stop for all of your insurance

Get personalized insurance and risk management services tailored to your and your family’s needs.

Insurance & Claims Management Services

  • Homeowner’s Insurance
    Get tailored homeowners insurance coverage, no matter if you own a high-value residence, multiple homes, or even a property by the coast.
  • Flood Insurance
    Floods are the most common hazard that property owners face, but traditional homeowner’s insurance does not typically cover this type of damage. Stay protected!
  • Earthquake Insurance
    Unexpected disasters can occur anytime, so it’s important to remain prepared. Earthquakes occur more often than you would think and earthquake insurance offers additional protection that a regular homeowner’s policy does not cover.
  • Co-op and Condo Insurance 
    If you’re a city dweller, ZRM’s customized condo and co-op insurance policies help protect you from unforeseen losses or insufficient coverage.
  • Travel Insurance
    The future is unpredictable. Having the appropriate travel insurance ensures you and your family are safe, secure and can enjoy your trip with peace of mind.
  • Jewelry Insurance
    A specialized jewelry insurance policy can help protect your valuable items from loss, theft and damage, beyond what may be covered by your homeowner’s insurance.
  • Fine Arts Insurance
    Homeowners insurance provides limited coverage for valuable items such as art and jewelry. Get a scheduled or blanket fine arts insurance policy from ZRM to safeguard your valuable art, antiques and collectibles.
  • Equine Insurance
    Our equine insurance experts will help you find the perfect horse insurance policy, whether you’re an enthusiast or a business owner.
  • Personal Umbrella Insurance
    A single lawsuit can have significant consequences. A personal umbrella policy safeguards your net-worth and the investments that you have worked tirelessly to achieve.

  • Auto Insurance
    We can provide tailored auto insurance coverage for vehicles like luxury and collector cars, motorcycles, motor homes, and golf carts.
  • Boat, Yachts & Personal Watercraft Insurance
    No matter the type of boat you have, from sailboats to yachts, we can provide customized boat insurance to meet your requirements.
  • Aviation Insurance
    Be secure in the sky with aviation insurance that meets your aircraft’s needs.

  • Individual Health Insurance
    For those who are self-employed or require temporary coverage, individual health insurance will ensure that your family is protected.
  • High Net Worth Life Insurance
    Ensure that your legacy will endure and secure the financial future of those you love by investing in life insurance for high net worth individuals.
  • Medicare Supplemental Insurance
    Having medical supplemental insurance can be invaluable if you become ill or injured, as it helps cover what major medical insurance may not.

  • Directors and Officers Insurance
    Directors and Officers insurance can act as a safeguard for board members and key executives, protecting their personal assets in case of litigation. D&O insurance is the best way to attract and retain influential board members or corporate officers.
  • Professional Liability Insurance 
    Errors and omissions insurance, otherwise known as professional liability insurance, offers an additional layer of coverage beyond that provided by general liability policies. Guard your organization against accidents and claims of negligence.
  • Workers’ Compensation Insurance
    Worker’s compensation insurance is often complicated and expensive. Our specialists can help you select insurance policies that reduce your business’s legal liabilities.
  • Cyber Insurance
    Cyber insurance provides a safeguard for your business from cyber security issues and data leakage. Protect yourself against the fastest growing liability for businesses.
  • Kidnap and Ransom Insurance
    Each year, over 15,000 kidnappings generate immense profits for criminals through ransom. Protect your family at home and abroad with kidnap and ransom insurance.

Peace Of Mind Starts Here

Your time is valuable, start a conversation today that will reduce future challenges & your total cost of risk.

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  • Achieve Peace of Mind
  • One Stop Shop For All of Your Insurance Needs
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