For those with more to protect, it is important to understand the difference between high net worth insurance and standard insurance company offerings.  High net worth carriers are a different breed altogether.  Cru Insurance is an agency that only offers carriers that understand your lifestyle and your increased need for high value asset protection. 

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What sets high value insurance companies apart from the rest?

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Claims Experience

Most importantly, high net worth insurance companies carry a reputation for paying claims and offering a white-glove customer experience during a claim event.  On average, insurance carriers that specialize in high value customers handle claims in-house instead of out-sourcing, with a beginning to end, direct, one-on-one relationship from the beginning to end of your claim experience. 

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Risk Mitigation 

They offer a greater degree of proactive risk-mitigation to prevent claims in the first place.

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Better Coverage 
High net worth insurance carriers often have higher sub-limits for categories like jewelry, fine art, furs, and collectibles.  

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Is High Networth Insurance More Expensive?

The short answer is sometimes, but not always.  In the insurance industry, a common saying is "cheap insurance isn't cheap" and while we hope you never have a claim scenario, the "cheap" policy all too often costs far more in the end. 

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Do you get what you pay for in insurance?

Interestingly, insurance sometimes breaks that paradigm.  Why?  Insurance carrier appetites reward their ideal clients with lower premiums.  For example, you may have a high home insurance premium from an insurance company who doesn't specialize in high value homes.  As a result, they have to charge much more money to cover the risk that is outside of their "sweet-spot" and to make things worse, they don't have the proper coverage types and amounts in their standard policy.  By moving you to a high net worth carrier, we may be able to save you money and greatly enhance your coverage and your experience altogether. 

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Our Promise 

At Cru Insurance, we would rather advise on and provide high quality coverage than save you a few bucks and cross our fingers. That is why we only offer the best for those who need it.  If we write your insurance, you can rest assured that you are with a high quality insurer who specializes in high value clients, just like we do.