Overview — Maritime Program Group Private Client Services Insurance
Maritime Program Group (MPG) offers a dedicated Private Client Services Insurance program that gives agents access to the industry’s leading high-net-worth personal lines carriers. Our program combines broad market access with tailored underwriting and concierge-level service so you can place complex personal accounts with confidence. Partner carriers include AIG Private Client Group, Chubb, ACE, IronShore and NatGen.
Ideal Accounts and Appetite
This program is designed for high-net-worth individuals and families with multiple or high-value exposures. Typical accounts include:
- Primary and secondary residences (including historic and custom homes)
- High-value automobiles and collector cars
- Yachts, superyachts and recreational boats
- Private aircraft
- High limits of personal excess liability (umbrella/excess)
- Collections — fine art, jewelry, wine, antiques and memorabilia
- Family offices, private staff, travel risk (kidnap & ransom) and related personal risk programs
The program is intended for accounts where tailored limits, agreed-value settlements, and specialty coverage forms are needed — not for small, standard personal lines risks.
Coverage Highlights and Advantages
- Market access: Direct placement access to top high-net-worth carriers and specialty underwriters.
- Customized programs: Agreed value, guaranteed replacement cost, fine art scheduled coverage, enhanced auto and yacht endorsements, and personal excess limits up to $100 million.
- Risk management support: Pre-placement risk review and tailored recommendations that go beyond standard policy language.
- Dedicated claims service: Specialist claims units focused on high-value and complex personal claims.
- Strong financial backing: Carrier partners meet high financial strength standards and are licensed across the country.
Underwriting Notes and Minimum Premiums
Underwriting is account-specific. Submissions should include current valuations, schedules for collections, recent loss history, and details on protective measures (security systems, alarms, vessel/aircraft maintenance). Minimum premium and retention vary by carrier and line — please note the program lists “Varies” for minimum premium. For complex accounts, provide full inventories and appraisal documentation where available.
Territories and Availability
The program is available nationwide; our carrier partners are licensed to write high-net-worth business across all states and the District of Columbia. Please confirm state availability and admitted vs. non-admitted options on a per-submission basis, as placement options may differ by carrier and line.
Why Work With Maritime Program Group
- Specialized placement expertise: MPG focuses on high-net-worth personal lines and places unique, high-value risks that require specialized forms and endorsements.
- Concierge service model: We offer coordinated underwriting, risk management guidance, and claim advocacy to protect your clients’ complex interests.
- Multiple carrier relationships: Broad market access increases the likelihood of finding the right fit for unusual or layered risks.
Example account scenarios
- You have a client with a primary residence valued for guaranteed replacement cost, a secondary coastal home, two collector cars on agreed value, and a scheduled fine art collection — this program can assemble the required home, auto, and collection coverages with coordinated liability limits.
- You represent a client who owns a midsize yacht and a private single-engine aircraft and needs excess liability and kidnap & ransom protection for family travel — MPG can combine marine, aviation, excess liability, and travel-risk solutions through our carrier panel.
For placement inquiries or to submit an account, contact Maritime Program Group today through your usual wholesale channel or via the CompleteMarkets storefront.
Frequently Asked Questions
What types of accounts are a good fit for Maritime’s Private Client Services Insurance program?
Accounts that are high-net-worth and include one or more high-value exposures — such as custom homes, secondary residences, collector autos, yachts, private aircraft, substantial collections, or family office exposures — are a good fit. The program is built for policies that require agreed value, scheduled items, and higher liability limits.
Which carriers participate and how does that affect placement?
MPG works with specialty carriers and private client units including AIG Private Client Group, Chubb, ACE, IronShore and NatGen. Carrier appetite and available endorsements vary, so we recommend submitting complete account details to determine the best market fit.
Are these coverages available in my state and are they admitted?
The program is available nationwide, with carriers licensed to operate in all states and DC. Admitted versus non-admitted placement depends on the carrier, the line, and the specific risk. We will confirm available options on each submission.
What should I include with a submission to improve turnaround?
Provide a summary of exposures, current policy forms and limits, recent loss runs, valuations/appraisals for homes, autos and collections, vessel/aircraft details, and any risk-control measures in place. Complete documentation helps underwriters assess the account and shortlist appropriate carriers.
Need help placing an account? Connect with a market specialist.