By Invitation & Application

Protecting your
legacy.

Q: What does "agreed value" mean for high-value items?

It sets the insured value up front, with appraisals on file — so a claim is paid at that figure and never reduced by depreciation or an adjuster's afternoon estimate.

Q: Do I really need an umbrella policy?

If you have assets or future income worth protecting, almost certainly. A high-limit umbrella adds $5M–$50M of liability above your home and auto — the layer that matters when a claim gets serious.

Q: How do you insure jewelry, watches, and art?

We schedule each piece with appraisals or receipts for broader, worldwide coverage and far fewer surprises at claim time — and coordinate new appraisals as the collection grows.

Q: Can multiple homes and vehicles sit under one strategy?

Yes — that's the point. Aligning deductibles and limits across every home, vehicle, and vessel usually improves both the pricing and the claim experience, all on one bill and one advisor.

Q: Who qualifies for the Private Client division?

We conduct confidential reviews for portfolios generally exceeding $2M in insured assets — high-value homes, collector vehicles, marine, or significant liability exposure. The consultation tells us, and you, whether it's a fit.

Bespoke risk management for complex portfolios. A private division of WYN, serving Miami, Palm Beach, and the places you land in between.

Explore the portfolio

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01 — Asset Protection

The Portfolio

We don't sell policies — we structure programs. Your assets are interconnected, and your coverage should be too: every home, vehicle, vessel, and valuable on a single, considered strategy.

Global Real Estate

Guaranteed replacement cost for custom estates — coastal Florida, New York, and the mountains, all on one bill.

✦ Coastal & estate property
✦ Builder's risk
✦ Condo & co-op

Curated Collections

Agreed-value coverage for exotics with no depreciation, and worldwide protection for newly acquired art and jewelry.

✦ Supercars & classics
✦ Fine art & jewelry
✦ Wine collections

Marine & Aviation

Yacht crew coverage, worldwide navigational limits, and private-aviation liability — structured by people who run the inlet too.

✦ Superyachts
✦ Center consoles
✦ Private aviation

Liability Shield

Your wealth makes you a target. High-limit umbrella programs from $5M to $50M protect your assets — and your future earnings.

Cyber

Extortion & ID theft

EPLI

Domestic staff

02 — White Glove

Concierge.

Standard insurance gives you a 1-800 number. We give you a direct mobile line. No hold music, no call center in Nebraska — a person who knows your name and your portfolio.

Your Private Advisor

Direct access

Proactive risk management

We don't just pay claims — we prevent them. Thermographic scans of electrical systems, water-leak detection, and hurricane-shutter checks before the season turns.

Appraisal coordination

Acquired a new Patek or a Basquiat? We coordinate the appraisal and add it to your schedule immediately, so you never sit with a coverage gap.

Family-office integration

We work directly with your wealth manager, CPA, and family office so your insurance aligns with your trust structures and estate plan.

03 — The A-List

Market Access.

CHUBB PURE AIG Private Client VAULT CINCINNATI

Cash settlements

Take a cash settlement after a loss and rebuild how — and where — you choose. No forced contractors.

Choice of counsel

In a liability suit you pick your own defense attorney — never a budget lawyer assigned to you.

Worldwide coverage

Your protection follows you globally — a rental in Italy, a villa in St. Barths, a slip in the Bahamas.

Questions

Private Client, answered.

Clear answers for high-value coverage — protect the assets correctly, keep the pricing sharp.

What does "agreed value" mean for high-value items?▼

Do I really need an umbrella policy?▼

How do you insure jewelry, watches, and art?▼

Can multiple homes and vehicles sit under one strategy?▼

Who qualifies for the Private Client division?▼

Start the conversation.

No quotes, no forms to chase. Request a confidential review and Luna books a private consultation with your advisor to see if we're the right fit.

Confidential · By application · Portfolios from $2M

Protecting yourlegacy.