As a high-net-worth individual, you require specialist insurance policies to protect your valuable assets such as your home, fine art, holiday homes and yachts, as standard insurance policies do not provide this level of cover.

This amplifies the importance of working with a specialist high-net-worth insurance broker who understands the unique risks you are exposed to and has experience in arranging this level of cover.

Our specialist private clients team will work closely with you to understand the risks you face and what assets you want to insure. We will then use our expert knowledge and outstanding relationships in the insurance market to craft a tailored solution to protect you and all your valuable assets.

Working with our expert team means that we arrange all your insurance cover and you have one dedicated team who are on hand to support you with all your insurance needs. No matter how many policies you have, you will only have one renewal date and we will provide full support and assistance, whenever required.

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WE PROTECT WHAT IS VALUABLE TO YOU...

Buildings and contents


Jewellery and watches


High value and classic cars


Fine art and antiques


Private collectibles


INSURANCE, BUT SPECIALISED.

At Specialist Risk, the way we operate is completely unique to our peers. We do not believe in off the shelf policies and understand the importance of unique insurance solutions to protect each client that we work with.

We know how hard you have worked to build a lifestyle that you can enjoy with your family and those close to you. We therefore understand how important it is for you to have the best protection possible, enabling you to maintain this lifestyle worry free.

Our team have outstanding relationships with a panel of expert insurers, allowing us to develop market-leading insurance solutions for high-net-worth individuals to fully protect you, your family, your property, and possessions.

WE'VE GOT YOU COVERED.

Homes & Estates

We can arrange comprehensive cover for all your homes around the world. Our team will also provide specialist risk management advice on protection and security measures that can be implemented to reduce your exposures.

Worldwide Contents

No matter where your valuable items are in the world, we can arrange robust cover to protect them.

Collections

If you have any collections, we will work with you to assess their value and arrange comprehensive cover to protect them.

High Performance and High Value Cars

We have developed our policies to offer the highest level of protection for your valuable vehicles.

Pleasure Craft

Many of our private clients have yachts and boats. Rest assured that we can arrange specialist cover to ensure they are protected for all eventualities.

1925

OUR GROUP HISTORY DATES BACK TO 1925

£ 5 .5M

LARGEST CLAIM SETTLED

30 YEARS

LONGEST STANDING CLIENT RELATIONSHIP

11 ,000

OVER 11,000 CUSTOMERS

THE RISKS YOU FACE AS A HIGH-NET-WORTH INDVIDUAL

Physical risks to your home and family
  • Kidnapping
  • Property theft or damage
  • Jewellery theft or damage
  • Art collection theft or damage
  • Vehicle theft or damage
  • Yacht and plane theft or damage
  • Carjacking
Online risks and cyber threats
  • Financial crime
  • Bribery and extortion
  • Intellectual property theft
  • Privacy intrusion
  • Cyberstalking

UNIQUE RISK APPRAISAL PROCESS

When we start working with a new high-net-worth client, our private clients team conduct a unique risk appraisal. This gives us an intimate understanding of their risk profile before we offer our specialist guidance and advice.

This process is vital as it enables us to value your assets accurately so should the need to make a claim arise, the replacement value of the item is already agreed. This significantly streamlines the claims process to avoid any unnecessary delays or unpleasant surprises.

reinstatement

We assess the reinstatement costs to ensure the appropriate level of cover is in place to protect your valuable items if they are stolen.

Insurance

We review your current level of cover to identify any gaps in insurance or where you are underinsured.

security

We undertake a security assessment to ensure you have the sufficient level of security to protect your homes.

collections

We assess the impact that severe weather (floods or storms) could have on your property and contents, including valuable collections.

Solutions
“I have dealt with Specialist Risk Insurance Solutions, formerly Miles Smith Insurance Solutions, for a number of years now and am very grateful for the advice together with the support given. Prior to their involvement, I had suffered a deteriorating claims experience and through various Risk Management guidance, including the fitting of cameras, my experience has radically improved. I now regard them as part of my team, and look forward to working with them in the years ahead”

Beeches Recovery

Director, Manjit Nandra
Solutions
“We were with the same insurer that we were before, but the service is better because of the broker. In addition, when we appointed Miles Insurance Solutions (now Specialist Risk Insurance Solutions), we were already in a long-term agreement with the insurer, but they were able to renegotiate the agreement and provided us with considerable cost savings.”

Chelmsford Star Cooperative

CFO, Lisa Waghorn
Solutions
"Specialist Risk, formerly known as Miles Smith Insurance Solutions, staff are friendly, extremely approachable, responsive and very much work with us, allowing us to get on with the day-to-day running and growth of our business"

Belfield Group

Group Finance Director

PRIVATE CLIENTS

A high-net-worth client was victim to an aggravated burglary at her property and suffered severe bruising and injury to her body.

Read the Whole Case Study

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020 7977 4800

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FAQS
Can you cover my property outside of the UK?

We can cover your holiday homes across the world, with no limits on location. Our expert team will work with you to understand the area your holiday home is located, before crafting bespoke cover to ensure robust protection.

Can you create one policy for all my contents?

Yes of course. We will carry out a thorough appraisal of all your contents, whether that is a fine art collection or prestige cars, before crafting a bespoke policy that is tailored to your requirements and protects all your contents.

View all FAQs