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Oracle RMS Insurance

Private Client Insurance

Personal & Private Client — Oracle RMS Insurance

Private Client Insurance

Tailored insurance solutions for high-net-worth individuals, families, and their most valuable assets.

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Private client insurance provides comprehensive, high-limit coverage for individuals and families with significant assets that exceed the limits and scope of standard personal insurance policies. High-net-worth individuals face unique risks — from fine art and jewellery collections to multiple properties, luxury vehicles, and significant personal liability exposure. Private client programs are designed to address these needs with broader coverage, higher limits, and dedicated service.

Who needs this coverage?

High-net-worth individuals and families with luxury homes, significant personal property collections, multiple properties, exotic or collector vehicles, watercraft, or personal liability exposure that exceeds standard policy limits.

Key coverages

  • High-value home and estate coverage
  • Fine art, jewellery, and collectibles
  • Luxury and collector vehicles
  • Watercraft and recreational vehicles
  • Umbrella and excess liability
  • Personal cyber liability
  • Identity theft protection
  • Travel and kidnap & ransom
  • Domestic staff coverage
  • Worldwide personal property floater

Frequently Asked Questions

What makes private client insurance different from standard home insurance?
Private client programs offer higher coverage limits, broader policy wording, agreed value coverage for high-value items, and fewer exclusions than standard personal policies. They also typically include dedicated claims service and risk management consultation.
Do I need a separate policy for fine art and jewellery?
Standard home insurance policies have sub-limits for jewellery, art, and collectibles that are often far below their actual value. A private client program or scheduled personal articles floater provides agreed value coverage for specific high-value items without depreciation.
What is personal umbrella liability coverage?
A personal umbrella policy provides excess liability coverage above the limits of your home, auto, and watercraft policies. It protects your personal assets from large liability claims — such as a serious auto accident or a lawsuit from an injury on your property.
Can I insure multiple properties under one private client program?
Yes. Private client programs are designed to consolidate coverage for multiple properties — primary residence, vacation home, rental properties — under a single policy with one renewal date and coordinated coverage.
Is private client insurance available for business owners?
Yes. Business owners often have complex personal insurance needs that intersect with their business interests. Oracle RMS can coordinate personal and commercial coverage to ensure there are no gaps between your business and personal insurance programs.

Ready to review your coverage?

Speak with a licensed broker at Oracle RMS — by phone, video, or in person. We serve businesses across Canada.*

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* Commercial insurance services available across Canada, excluding Quebec.