Elevate Your Protection: Private Client Vs. Standard Insurance in Orlando

insurance in Orlando

For high-net-worth individuals in Orlando, selecting the right insurance is crucial for ensuring comprehensive protection. Understanding the differences between private client insurance and standard insurance can help you make an informed decision that best suits your needs. Discover how insurance in Orlando can elevate your protection and offer peace of mind.

What Is Private Client Insurance in Orlando?

Private client insurance is specifically designed for individuals with significant assets and complex insurance needs. Unlike standard insurance policies, private client insurance offers tailored features and high-level services that cater to the unique requirements of high-net-worth individuals.

Tailored Coverage Options

Private client insurance provides personalized coverage options that go beyond the basics. It includes higher coverage limits, customizable policy terms, and the ability to insure high-value items such as luxury cars, fine art, and jewelry. The flexibility of private client insurance ensures all aspects of your wealth are adequately protected.

High-Level Client Service

With private client insurance, you receive exceptional customer service tailored to your needs. Dedicated account managers offer personalized assistance and ensure the prompt handling of any claims. This level of service provides a seamless and stress-free experience, making it easier to manage your insurance needs.

To explore more about private client insurance and how it can benefit you, visit Hilb Group Florida’s Private Client Group.

What Is Standard Insurance Coverage?

Standard insurance coverage typically includes the basic protection most individuals need. This type of insurance is widely available and covers common risks such as property damage, liability, and personal belongings. 

Typical Features and Limitations

Standard insurance policies offer essential protection but often come with predefined coverage limits that may not fully meet the needs of high-net-worth individuals. These policies usually cover primary residences, vehicles, and personal liability, but they might not extend to high-value items or provide the customization that private client insurance offers.

Private Client Insurance Vs. Standard Insurance

When comparing private client insurance to standard insurance, several factors highlight the advantages and drawbacks of each option.

Coverage Flexibility

Private client insurance offers unparalleled flexibility, allowing you to customize your coverage to fit your specific needs. Standard insurance, on the other hand, tends to be more rigid, with set coverage limits that may not be sufficient for high-net-worth individuals.

Customer Service

The customer service experience with private client insurance is typically superior, with dedicated account managers providing personalized support. Standard insurance policies often involve dealing with larger customer service teams, which may result in less personalized attention and longer response times.


While private client insurance generally comes at a higher cost due to its comprehensive coverage and personalized service, it provides value by fully protecting all your assets. Standard insurance is more cost-effective for individuals with fewer assets and simpler insurance needs, but it may not offer the same level of protection and peace of mind.

Choosing the Right Coverage

Selecting between private client insurance in Orlando and standard insurance depends on your individual needs and risk profile. Here are some tips to help you make the right choice:

  • Assess your assets: Consider the value and complexity of your assets. If you own high-value items or have unique insurance needs, private client insurance may be the better option.
  • Evaluate your risk profile: High-net-worth individuals often face different risks than the general population. Assessing your risk profile can help determine the level of coverage you need.
  • Consider your service expectations: If you prefer personalized service and dedicated support, private client insurance is likely to meet your expectations better than standard insurance.

Call us today to discuss your insurance needs and find the coverage that best protects your assets and lifestyle. Our experts at Hilb Florida are ready to help you navigate the complexities of insurance and ensure you have the comprehensive protection you deserve.

About The Hilb Group

Deciding what coverage you need and what limits and deductibles make the most sense can be tricky. Founded in 2009, the Hilb Group has been helping clients to make sense of their options and make the smartest choices for their circumstances. Whether you need Warehouse Insurance or any other type of business or personal coverage, we encourage you to contact our friendly, experienced, and capable team today. Call us at (800) 776-3078 for a consultation.