Umbrella & Excess Liability | HNWI Coverage

Expanded Liability Protection for Your Lifestyle and Assets

ARI Private Client Group provides umbrella insurance designed for individuals and families with significant assets, public visibility, or complex financial portfolios. With clients across all 50 states and a South Florida private client practice based in Aventura, we build expanded liability programs, often ranging from $5M to $50M+ in additional capacity, providing an extra layer of protection on top of your existing home, auto, estate, and specialty policies.

Standard liability limits are not always enough for high-net-worth households. Events involving multiple vehicles, high-value property damage, or claims that escalate into legal disputes can exceed the coverage limits of a primary policy. Umbrella insurance helps safeguard your personal wealth by extending coverage when unforeseen situations create larger financial risks.

Coverage That Extends Across Your Portfolio

Umbrella insurance can support many parts of your lifestyle and your assets at once. Coverage may help protect you in situations involving:

• Large liability claims that go beyond home or auto limits.
• Major accidents that involve multiple parties or multiple vehicles.
• Incidents that lead to significant medical or legal expenses.
• Liability exposures tied to luxury properties, domestic staff, or hosted events.
• Protection that spans multiple homes, vehicles, or business interests.

Many clients appreciate that umbrella insurance can act as a financial buffer that reflects the scale of their lifestyle and the value of their assets.

Support for High Net Worth Households

Our team takes time to understand your property, your vehicles, your level of public exposure, and any unique liability concerns that may come with your activities or investments. This allows us to design umbrella coverage that supports your entire portfolio rather than a single asset.

We coordinate with your attorneys, financial partners, and estate professionals when needed to ensure your liability protection aligns with your broader wealth management strategy.

A Concierge Level Experience

High net worth clients expect service that is discreet, responsive, and tailored. Our team provides clear explanations, attentive guidance, and support that make complex liability protection easier to understand and manage.

Request a Personalized Umbrella Insurance Consultation

If you would like to explore umbrella coverage or integrate it into your existing insurance structure, we invite you to contact us. You can reach our team through the contact page to begin a private consultation.

Contact ARI Private Client Group today to strengthen your liability protection with umbrella coverage designed for high-net-worth households.