Collector cars & premium auto
Agreed-value coverage for collections, plus premium auto with worldwide rental, diminished value and OEM parts.
- Agreed-value collector cars
- Multi-vehicle collections
- Exotic & performance autos
- Trailering & spare parts
Private Client
Insurance built for the way successful families actually live.
Estates and second homes. Collector cars and premium auto. Jewelry, art, wine and watercraft. Our Private Client practice designs one coordinated program across it all — placed with Chubb, PURE and other high net worth specialists, and serviced by people who answer their own phones.
- 140+
- Years serving clients
- 60+
- Carrier partners
- 5
- Hudson Valley offices
What we protect
One program across every asset — not six unrelated policies.
Estates & residences
Extended replacement cost on primary, seasonal and international residences — with cash settlement options and no coinsurance penalties.
- Estates & historic homes
- Seasonal & vacation homes
- Rental & investment properties
- Builders risk for renovations
Collections & valuables
Worldwide, all-risk protection for jewelry, art, wine and other collections — appraised, scheduled and revalued as markets move.
- Jewelry & watches
- Fine art & antiques
- Wine cellars
- Market-value appreciation
Excess liability
Personal umbrella limits well into the tens of millions, with uninsured motorist, not-for-profit board service and defense costs outside the limit.
- $1M–$100M limits
- Board & volunteer liability
- Employment practices for staff
- Worldwide defense
Yachts & aviation
Hull, liability, crew and marina exposures for watercraft, plus access to aviation markets for privately owned aircraft.
- Yachts & sailing vessels
- Crew & captain coverage
- Navigational territories
- Private aircraft referrals
Family risk management
Cyber, fraud, kidnap and ransom, household staff coverage, and family-office style coordination across every policy.
- Cyber & identity fraud
- Household employees
- Kidnap & ransom
- Trust & LLC titling review
Primary carriers
Chubb and PURE, plus the wider high net worth market.
We are an independent agency, so the program follows the family rather than a single carrier. Most of our Private Client business is placed with Chubb and PURE — and when a risk calls for a different appetite, we market it across our other high net worth relationships.
Chubb
Masterpiece®Cash settlement on total losses, extended replacement cost with no cap on qualifying homes, HomeScan® and wildfire defense services, and worldwide valuables coverage.
PURE
Privilege Underwriters Reciprocal ExchangeA member-owned reciprocal built for high net worth families — member advocates, risk management credits, and a fraud and cyber suite included with membership.
How we work
A concierge service model, not a call center.
01
Full portfolio review
One appointment covering every home, vehicle, watercraft, collection and entity — mapped for gaps and overlaps.
02
Appraisal coordination
We help schedule appraisals and keep values current so a total loss is settled at what the item is worth today.
03
Risk consultation
Water-shutoff systems, wildfire defense, alarm and security recommendations that also reduce premium.
04
Advocacy at claim time
Your account manager stays involved from first notice to final payment — you never start over with a call center.
Meet our team
The Private Client team behind your program.
Ashleigh Sparacino
Private Client Service Specialist
Ashleigh has seven years in the insurance industry and joined Emery & Webb in 2021, moving into a marketing specialist role in 2022 where she helps producers and service staff find the best fit for clients' home and auto programs. She is licensed by the New York State Insurance Department as a Property & Casualty broker.
Erin Provenzano
Private Client Account Manager
Erin began her insurance career in 2021 as a Member Advocate at PURE Insurance, where she became a licensed claims adjuster and saw firsthand how a policy responds when a loss occurs. She later moved to the agency side as a personal lines account manager in Greenwich, CT, and draws on that claims background to advise clients on exposures and loss mitigation.
Lyndsey Janos
Senior Private Client Account Manager
Lyndsey is the Senior Private Client Account Manager at Emery & Webb. A twenty-year veteran of the industry, she joined the agency in 2020 and is responsible for the design, structure and implementation of our clients' customized personal insurance portfolios. She is a licensed New York Property & Casualty broker, a Certified Professional Risk Manager (CPRM), a Certified Insurance Service Representative (CISR) and a Certified Professional Insurance Agent (CPIA).
Let's start with a conversation
Request a confidential Private Client review.
Tell us a little about what you own and we'll come back with a coordinated program proposal — usually within one business day.
Private client markets
A separate bench of carriers, built for larger exposures.
High net worth accounts are underwritten differently. We place them with carriers whose policy forms, appraisal handling and claims service are designed for estates, collections and collector vehicles.
- Chubb
- PURE Insurance
- Travelers
- The Hanover Prestige
- Selective Signature
Carrier availability varies by product, state and eligibility. Listing is alphabetical and does not reflect placement volume.
Discretion, expertise, and one point of contact.
Our Private Client team handles every policy, appraisal and claim for your household — so nothing falls between carriers.