High Net Worth Insurance
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What insurance does a high net worth family need?

We understand the complexities of protecting your highly successful family’s wealth, and we have the resources to help you make informed decisions. We’ll work with you to develop a comprehensive insurance plan that meets your needs and provides the premier risk management services you require.

Our high net worth insurance services include:

  • Homeowners Insurance: Safeguard your home, personal property and liability exposures
  • Automobile Insurance: Protect your vehicles and liability while on the road and from those without insurance
  • Personal Umbrella Liability: Enhanced liability protection for you and your family
  • Valuable Articles Insurance: Secure your jewelry, fine art, antiques and other valuable items
  • Watercraft Insurance: Protect your boats, yachts and other watercraft
  • Aviation Insurance : Protect your aircraft and liability exposures
  • Life Insurance: Financial security for your family in the event of death or disability as well as solutions to be your own bank
  • Disability Insurance: Income protection in the event of a disability.
  • Long-Term Care Insurance: Protecting you and your family from the high costs associated with long-term care.

We’ll help you identify, assess and manage the risks associated with your high net worth, so you can focus on what matters most — living life to the fullest.

High Net Worth 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.
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