Protecting your most valuable assets requires more than a standard insurance policy, it demands a tailored approach that understands your lifestyle and risks. At Chadwicks, we combine expert insight with personalized service to deliver high net worth insurance designed exclusively for discerning clients like you.
High Net Worth Insurance
Chadwicks offers high quality private client risk advisory services, with an emphasis on personal attention and a discreet, confidential service.
We are deliberate in taking the time to understand your risk and, of course, to get to know you at the same time.
Get Clarity
Understanding the distinction between cover types is essential for safeguarding your valuable assets. Our select high net worth policies are designed for clients with a higher than average asset sums insured.
Higher than average sums insured, also means that the cover should be higher than average and it certainly is. For example, Accidental Damage asset cover usually comes as standard (often referred to as All Risks Asset cover), resulting in wider cover and a policy with fewer restrictions.
Cover Comparison
Standard insurance policies typically operate on an "Insured Events" or "Insured Perils" basis, covering only specific listed perils. Consider these scenarios:
Under a standard "Insured Events" policy, these incidents may not be covered unless explicitly listed. Even when covered, payouts are often significantly limited to predefined sums insured.
"All Risks" cover provides substantially broader insurance protection, essentially covering accidental loss or damage unless specifically excluded, without restrictive limits on insured items. For individuals with assets exceeding R3 million, this comprehensive cover prevents exposure to significant uninsured financial losses.
The Difference
Personal Insurance Risk Audit
Ask Yourself
To evaluate if your current policy meets your needs, ask yourself:
If the answer to any of these questions is "No", your cover is inadequate and we recommend you contact a professional Risk Advisor.
You Are Exclusive
We give you what you need, not necessarily what you want. It is a blunt statement, but it sets the course clearly and honestly.
Chadwicks is not for everyone. We work best with discerning clients who want a specialist who understands risk and insurance better than they do and who rely on that expertise to make well informed decisions.
If you are looking for someone to follow instructions, get cheap quotes and ignore your claims history, we are probably not a good fit.
If you want a brokerage that knows more about insurance than you do and who uses that judgement to help you structure your cover properly, you will feel right at home here.
Private Client Risk Scorecards
01
A high level private client risk assessment to test whether your insurance policy will respond at claim time.
02
A high level private client cyber risk assessment to test whether your cyber insurance will respond at claim time.
03
A high level personal risk assessment to test whether you are protected from claims made against decisions you have made.
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