Family Office
Cover

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Cover as tailored as your lifestyle.

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What is Family Office Insurance?

Family Office Insurance is a bespoke high net worth insurance solution tailored for ultra-wealthy individuals and private households. It offers comprehensive protection for luxury homes, multiple properties, private staff, valuable assets, and complex financial interests—often under a single policy, managed discreetly through a family office.

Whether you’re safeguarding your estate, art collection, trust portfolio, or personal staff, this high-value cover is designed to offer seamless protection for those with significant and sophisticated insurance needs.

Who Needs Family Office Insurance?

Family Office Insurance is ideal for individuals and families with high-value lifestyles and complex asset structures, such as:

  • Ultra-High Net Worth Households – With primary residences, second homes, and international properties.
  • Private Family Offices – Managing wealth, legacy planning, and personal staff.
  • Collectors – Of fine art, classic cars, wine, antiques, and jewellery.
  • Families with Private Employees – Including estate managers, nannies, drivers, or chefs.
  • Discerning Individuals – Requiring a holistic and confidential approach to risk management.

Why is Family Office Insurance Important?

Standard insurance policies often fall short when dealing with high-value assets, global travel, or private employees. Family Office Insurance gives you peace of mind with global, specialist protection designed to handle the most intricate personal risk exposures.

  • Damage to Estates or Listed Properties – Full reinstatement, including heritage rebuild costs.
  • Theft or Damage to Valuables – Including art, heirlooms, or items on loan or display.
  • Liability for Domestic Staff – Employer's liability and legal protection.
  • Cyber Crime and Identity Theft – High-limit cover for modern digital threats.
  • Trustee or Fiduciary Liability – Legal defence for trustees and family office executives.

What’s Typically Covered?

  • Worldwide All-Risks Cover – Covering personal belongings across the globe.
  • Buildings & Contents Insurance – Including listed homes, fine finishes, and rebuild cost overruns.
  • Luxury & Classic Vehicles – Agreed-value cover with specialist recovery and restoration options.
  • Private Staff Employer’s Liability – For household employees and estate contractors.
  • Travel Insurance – Global cover for medical emergencies, cancellations, and private aviation.
  • Kidnap & Ransom Cover – Discreet financial and crisis response protection for high-profile families.

What May Not Be Covered?

  • Deliberate or fraudulent damage or misrepresentation.
  • Neglected or undisclosed properties or high-risk items.
  • Unregistered staff or undeclared overseas assets.
  • Wear and tear, and general maintenance issues.

Optional Extras for Enhanced Protection

Depending on your lifestyle, you may wish to add:

Secure your family's legacy with tailored protection

At Insurably®, we work closely with the UK’s leading high net worth insurers to build discreet, expertly managed policies for family offices and affluent households. Our private client team delivers personal service with absolute confidentiality and clarity.

Start your quote online now or book a private consultation to explore your bespoke Family Office Insurance options.

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  • Discreet, personal service from UK-based experts.
  • Trusted by high net worth households and family offices.
  • No jargon, no call centres—just clear, honest advice.

What does Family Office Insurance cover?

  • Private Staff Liability
  • Cyber Protection
  • Estate & Property Cover

What's Covered?

What's Not Covered?

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High-value home insurance is designed for individuals and families with complex needs—such as multiple properties, valuable collections, or household staff. Insurably simplifies the process by offering tailored, all-in-one protection with a dedicated advisor, ensuring everything is properly covered and nothing is overlooked.
Emily Turner Managing Director | Turner Consultants

25+

years of experience in home insurance

100+

insurer markets accessed

100%

confidence in property protection

Frequently Asked Questions

Family Office Insurance is a bespoke high net worth insurance policy designed to cover the complex needs of wealthy families and individuals. It consolidates protection for properties, luxury assets, private staff, family trusts, collections, and global travel under one tailored policy, typically managed via a private client advisor.
Family Office Insurance is ideal for ultra-high net worth individuals, families with multiple residences, private household staff, valuable collections, or those managing wealth through a trust or family office. If your lifestyle includes assets across different locations or high-value personal risks, this type of cover offers essential peace of mind.
Policies can include high-value home insurance, contents and fine art cover, private staff liability, cyber insurance, global travel protection, trustee liability, luxury vehicle insurance, and even kidnap and ransom cover. Each policy is built around your specific assets and lifestyle requirements.
Yes. Many high net worth insurers include worldwide all-risks cover as standard. This means your overseas homes, holiday residences, and possessions are protected no matter where they are. You can also include global travel insurance for your family and staff, including private aviation.
Yes. You can include private staff employer’s liability, covering claims from nannies, chefs, drivers, and other domestic employees. Some policies also provide legal expenses cover and HR support in the event of disputes or tribunals.
High net worth insurers offer agreed-value or market-value cover for collections, with optional coverage during transport, exhibition, or restoration. You can protect items like fine art, watches, jewellery, wine, and antiques, often with no need to list individual items under certain value thresholds.
If your family assets are managed via trusts or foundations, Trustee Liability Insurance protects those acting as trustees against claims of mismanagement, breach of duty, or legal error. This cover is crucial for family office executives or individuals with fiduciary responsibilities.
While high net worth home insurance protects a single property and contents, Family Office Insurance goes much further. It offers coordinated protection across multiple properties, family trusts, employees, and specialist risks—often with a dedicated advisor managing the policy and claims process on your behalf.
Simply start your quote online or contact our private client team directly. At Insurably®, we’ll take the time to understand your unique needs and provide a bespoke quote from one of our specialist high net worth insurance partners.