Private client insurance in Scottsdale & Paradise Valley.
Concierge underwriting for Valley estates, and the families behind them. For homes above $2M. For agreed-value collections, aviation and marine, scheduled fine art, and umbrella stacks at $5M and above. Underwritten through Chubb, AIG Private Client, and Vault. By appointment.
Request a Private Client ConsultationA different market from standard homeowners.
Private client insurance is a separate tier of the personal insurance market, built for households whose homes, collections and liability exposure have outgrown a standard policy. It generally begins at a home that would cost about $2M to rebuild, a significant collection, or a need for $5M or more of umbrella liability.
A standard policy caps what it will pay to rebuild, applies low sub-limits to jewelry, art and wine, and can settle some losses at depreciated value. Private client carriers offer extended or guaranteed replacement cost, a cash-settlement option, agreed-value scheduling for collections, and much larger umbrella limits.
Why independent matters at this tier
A captive agent can offer one company's high-value program. Sullivan James is an independent agency in Scottsdale, appointed with three private client carriers.
A Paradise Valley estate, a car collection and a $10M umbrella are each placed where that particular risk is underwritten best, and the placement is checked against the other two carriers before it is recommended.
Three carriers that actually write high-value AZ risk.
Chubb Masterpiece
The institutional benchmark for $2M+ homes. Cash settlement option, worldwide property coverage, dedicated claim adjuster.
AIG Private Client Group
Strong for complex risk: aviation, marine, scheduled art, secondary homes. Deep on cross-border and international coverage.
Vault
The newer entrant; competitive on younger HNW households and tech-forward families. Often the right answer for first-time PCG buyers.
Coverage that belongs on its own schedule.
High-Value Home
$2M+ replacement cost, including custom builds, multi-property households, and trust-owned homes. Cash settlement options available.
Collectibles & Art
Scheduled fine art, antiques, jewelry, wine. Worldwide coverage. We coordinate with appraisers and inventory specialists if needed.
Classic & Exotic Auto
Hagerty for the daily-drivable classics; Chubb for higher-value exotics. Agreed value, mileage flexibility, garaging requirements explained.
Umbrella ($5M–$25M+)
Layered personal umbrella over home, auto, and any rental properties. Coordinated with corporate umbrellas where applicable.
Aviation & Marine
Owned aircraft, jet shares, helicopter, yacht, watercraft. Most of these require specialty placement, and we are experienced with that market.
Family Office Liaison
Direct working relationship with your family office's risk manager, attorney, or wealth advisor. We document everything in writing.
Paradise Valley and north Scottsdale.
The office is at 14350 N. 87th St., Suite 170, Scottsdale, AZ 85260, and the in-home review comes to you.
- High-value home insurance in Scottsdale & Paradise Valley
Replacement cost, cash settlement and what standard policies leave out.
- Umbrella insurance in Scottsdale
$1M to $10M and above, for households below the private client tier.
- The Coverage Audit
A free line-by-line review of the policies you already hold.
- For wealth advisors
How audits and renewals are coordinated with an advisor or family office.
- The agency
An independent insurance agent in Scottsdale since 2016.
Private client insurance, in plain terms.
What qualifies as private client insurance?
Generally a home that would cost about $2M or more to rebuild, a significant collection of art, jewelry, wine or cars, or liability exposure that calls for an umbrella of $5M or more. Any one of the three is usually enough to move a household out of the standard market and into the private client tier.
Which private client carriers does Sullivan James place in Scottsdale?
Chubb, AIG Private Client Group and Vault. Which one fits depends on the home, where it is and how it was built, and what else is being insured alongside it. Sullivan James is not appointed with PURE.
How is a private client policy different from a standard homeowners policy?
A standard policy caps what it will pay to rebuild, applies low sub-limits to jewelry, art and wine, and can settle some losses at depreciated value. Private client carriers offer extended or guaranteed replacement cost, a cash-settlement option that does not force a rebuild, agreed-value scheduling for collections, and much larger umbrella limits.
Why use an independent agency for private client insurance?
A captive agent can offer one company's high-value program. Sullivan James is independent and appointed with three private client carriers, so each household is placed with the carrier that underwrites its particular risk best, and that placement is checked against the other two.
What umbrella limits are available at the private client tier?
Personal umbrella limits from $5M to $25M and above, layered over the home, the autos and any rental properties, and coordinated with a corporate umbrella where one exists. Households below that tier are typically written from $1M to $10M.
Does Sullivan James work with wealth advisors and family offices?
Yes. Audits and renewals are copied to the advisor by default, and placements are coordinated with trust, LLC and umbrella structures. The agency keeps a direct working relationship with the family office's risk manager, attorney or wealth advisor, and documents its recommendations in writing.
What does the in-home review involve, and what does it cost?
It costs nothing. For private client engagements the in-home review takes about 90 minutes: a walk of the property, photographs where they are needed, and a conversation about the household's schedules and concerns. Findings follow within 48 hours and the signed audit is mailed within five business days.
Which communities does the private client practice serve?
Paradise Valley, Silverleaf, DC Ranch, Grayhawk, Troon and the rest of north Scottsdale, along with the wider Phoenix Valley. The office is at 14350 N. 87th St., Suite 170, Scottsdale, AZ 85260.
The in-home review.
For Private Client engagements we offer an in-home review at no cost. We walk the property, photograph what we need to photograph, talk through the family's schedules and concerns, and build the carrier short-list around what we've seen.
The review takes about 90 minutes. Findings follow within 48 hours; the signed audit is mailed within five business days.
Request a Private Client consultation.
Email or call to schedule. If you've been referred by an advisor, mention their name in the subject line and we'll route accordingly.