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Your Lifestyle. Your Legacy.
Our Expertise.

Your Lifestyle
Your Legacy
Our Expertise.

Private Client insurance strategies for luxury residences, automobiles, collections, and sophisticated lifestyles throughout Beverly Hills, Los Angeles, and Southern California.

Private Client insurance strategies for luxury residences, automobiles, collections, and sophisticated lifestyles throughout Beverly Hills, Los Angeles, and Southern California.

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Beverly Hills Private Client Insurance

Luxury Property Risk, Strategically Managed

Beverly Hills represents one of the most sophisticated luxury residential markets in the world. From gated estates in Trousdale Estates and Beverly Hills Flats to architecturally significant residences throughout Los Angeles and surrounding communities, high-value properties require an insurance strategy that extends far beyond traditional homeowners coverage.

For successful individuals and families, a residence is often only one component of a broader asset portfolio. Luxury properties, automobiles, collections, personal liability, domestic staff, and lifestyle exposures require coordinated protection designed around the way affluent families live.

Private Client insurance is not simply about insuring a home. It is about understanding the full spectrum of personal risk and creating a strategy that protects property, wealth, and lifestyle.

Our Private Client Group designs customized insurance programs for individuals and families with complex personal assets, aligning property, liability, specialty coverage, and asset protection strategies into a coordinated risk management approach.

This is not standard homeowners insurance.

It is private client risk management designed for high-value assets, complex lifestyles, and families who require coverage that performs when it matters most.

Built for Complex Property & Lifestyle Risk

No two private client relationships are the same. A newly constructed architectural estate, a historic residence, a vacation property, or a multi-property portfolio each presents unique considerations.

We structure coverage around:
• Luxury residences and high-value estates
• Accurate property valuation and replacement cost planning
• Catastrophe exposure and evolving risk conditions
• Fine art, jewelry, collections, and valuable possessions
• Luxury automobiles and specialty vehicles
• Domestic staff, guest, and premises liability considerations
• Multiple residences across locations and states
• Excess liability and broader asset protection strategies

Many insurance programs appear adequate until a significant loss occurs. Our approach focuses on identifying potential gaps, coordinating coverage, and building a strategy designed around the full picture of your assets and exposures.

Luxury interior of a Beverly Hills high-net-worth residence featuring custom design, fine art, and premium finishes.

Risk Management Expertise

Private Client Considerations for High-Net-Worth Individuals & Families

Owning a luxury residence in Beverly Hills and Southern California involves a unique combination of property, lifestyle, and liability exposures.

High-value homes throughout Beverly Hills, Los Angeles, and surrounding communities often include custom architecture, unique materials, expansive grounds, guest residences, pools, entertainment spaces, valuable collections, luxury vehicles, and significant rebuilding considerations.

As assets evolve and property values change, many families discover that existing insurance programs may no longer reflect their current level of exposure. Luxury properties require specialized risk management strategies designed around valuation, catastrophe exposure, liability protection, and the complexity of affluent lifestyles.

Our Private Client advisors help individuals and families evaluate their complete risk profile and develop customized insurance strategies designed around their properties, assets, lifestyle, and long-term objectives.

High-Net-Worth Expertise

Specialized insurance strategies designed for affluent individuals, families, executives, and business owners.

Collaborative Planning

We integrate risk management into your broader wealth and asset protection strategy.

Proactive Risk Management

Identifying coverage gaps and emerging exposures before they become significant financial challenges.

Long-Term Protection

Ongoing policy reviews and proactive risk assessments that evolve as your wealth, assets, and lifestyle change.

Why Successful Individuals and Families Choose us

Protecting Legacies,
Preserving Futures

The decision you make on who to trust to safeguard your assets and legacy is an important one. Determining the best fit will require you to evaluate the expertise, capabilities, and ongoing service your broker will provide.

At Wheeler & Taylor, we offer a true “Goldilocks” solution — the expertise and capabilities of the largest national brokers but with the drive, dedication and personalized service of a boutique firm.

We specialize in protecting executives, entrepreneurs, business owners, and families with significant assets who require insurance strategies beyond traditional coverage. Our advisors bring decades of experience, global reach, complete market access, and the kind of personal attention that turns strategy into peace of mind.

Expert Advisor Review

Tailored Guidance​

Top Carrier Access​

Concierge-Level Service

Concierge-Level Service​

Representing leading insurers that participate in the high-net-worth and ultra-high-net-worth personal insurance marketplace, we operate across the nation and internationally. And while we are built to handle the most sophisticated risks regardless of geographic location or complexity, our dedicated service to you, our client, is what truly separates us from the competition.

From luxury residences and seasonal homes to collections, private aviation, yachts, and complex liability exposures, we have the experience and market access to address the unique risks associated with substantial wealth.

Big Enough To Help, Small Enough To Care

As a boutique specialist, our relationships are built on accessibility, trust, and a hands-on approach that makes every client feel like a priority - not a policy number. Backed by the strength and resources of one of the nation’s 100 largest P&C insurance agencies, Wheeler & Taylor delivers the market access, expertise and tailored solutions to meet the unique needs of every client engagement.* While our proven expertise, capabilities, and market reach set us apart, our hometown service approach and consistent dedication to our clients defines the Wheeler & Taylor experience.​

Specialized Expertise

Our team brings deep industry-specific knowledge across a wide range of risk profiles. We apply that expertise to design tailored solutions that address complex exposures with precision and confidence.

Concierge-Level Service

At Wheeler & Taylor, concierge-level service means more than responsiveness — it means having a trusted team that is proactive, accessible, and fully invested in your success. We provide high-touch support with dedicated professionals available whenever you need guidance. Whether navigating an urgent claim, managing evolving risks, or addressing day-to-day servicing support, our team is always accessible to respond quickly and guide you through every step.

Long-Term Partnership Approach

We prioritize relationships over transactions by building long-term partnerships with our clients. As your needs evolve, we stay aligned with you by adapting coverage and strategy to support your growth over time.

*Based on data compiled by Insurance Journal. W&T does not publicly disclose its financial information and is therefore not included in the official rankings.

Why Successful Individuals and Families Choose us

Protecting Legacies, Preserving Futures

The decision you make on who to trust to safeguard your assets and legacy is an important one. Determining the best fit will require you to evaluate the expertise, capabilities, and ongoing service your broker will provide.

At Wheeler & Taylor, we offer a true “Goldilocks” solution — the expertise and capabilities of the largest national brokers but with the drive, dedication and personalized service of a boutique firm.

We specialize in protecting the lifestyles and assets of highly successful individuals and families with complex insurance and risk management needs. Our advisors bring decades of experience, global reach, complete market access, and the kind of personal attention that turns strategy into peace of mind.

Big Enough To Help.
Small Enough To Care.

As a boutique specialist, our relationships are built on accessibility, trust, and a hands-on approach that makes every client feel like a priority — not a policy number. Backed by the strength and resources of one of the nation’s 100 largest P&C insurance agencies, Wheeler & Taylor delivers the market access, expertise and tailored solutions to meet the unique needs of every client engagement.* While our proven expertise, capabilities, and market reach set us apart, our hometown service approach and consistent dedication to our clients defines the Wheeler & Taylor experience.

Specialized Expertise

Our team brings deep industry-specific knowledge across a wide range of risk profiles. We apply that expertise to design tailored solutions that address complex exposures with precision and confidence.

Concierge-Level Service

At Wheeler & Taylor, concierge-level service means more than responsiveness — it means having a trusted team that is proactive, accessible, and fully invested in your success. We provide high-touch support with dedicated professionals available whenever you need guidance. Whether navigating an urgent claim, managing evolving risks, or addressing day-to-day servicing support, our team is always accessible to respond quickly and guide you through every step.

Long-Term Partnership Approach

We prioritize relationships over transactions by building long-term partnerships with our clients. As your needs evolve, we stay aligned with you by adapting coverage and strategy to support your growth over time.

*Based on data compiled by Insurance Journal. W&T does not publicly disclose its financial information and is therefore not included in the official rankings.

Common Private Client Insurance Gaps We Identify

Why Successful Individuals and Families Require a More Strategic Insurance Approach

Affluent families often maintain insurance programs that no longer reflect the complexity of their assets, lifestyle, and evolving financial position. As wealth grows, traditional insurance solutions may leave important exposures unaddressed or fail to coordinate protection across multiple policies and asset classes. A comprehensive Private Client review helps identify potential gaps and ensures insurance strategies evolve alongside changing assets, ownership structures, and lifestyle considerations.

California Catastrophe Exposure

Southern California presents unique insurance challenges for luxury homeowners and property owners. Wildfire, earthquake, mudslide, coastal exposures, and rising construction costs can significantly impact both coverage availability and replacement cost planning.

Property Valuation Drift

Luxury residences, architectural homes, and custom properties often require specialized valuation strategies to ensure insurance programs accurately reflect current rebuilding costs, craftsmanship, and material availability.

Liability Exposure

As assets and visibility increase, personal liability exposure often grows faster than insurance limits are adjusted. Excess liability and customized protection strategies help safeguard wealth, income, and future financial security.

Multiple Residences & Complex Ownership Structures

Many affluent families maintain primary residences, vacation homes, investment properties, and assets across multiple states or countries. These exposures require a coordinated approach to valuation, catastrophe risk, and liability management.

Valuable Assets & Collections

Fine art, jewelry, wine collections, collectibles, luxury watches, and other high-value possessions frequently require specialized protection beyond standard policy limitations.

Lifestyle & Emerging Risks

Cyber exposure, domestic employees, watercraft, private aviation, executive lifestyles, privacy concerns, and global travel create evolving risks that require proactive planning and specialized solutions.

Integrated Risk Management

Home, automobile, umbrella, valuables, cyber, and specialty coverage should function as a coordinated wealth protection strategy rather than a collection of independent policies.

Wealth Transition & Newly Acquired Assets

Liquidity events, business sales, inherited wealth, executive compensation, real estate acquisitions, and other significant financial milestones can quickly alter a family's risk profile and insurance requirements.

A structured review helps ensure your insurance strategy evolves alongside your assets, lifestyle, and long-term objectives.

Is Your Insurance Strategy Keeping Pace With Your Wealth?

Many high-net-worth individuals discover insurance limitations only after a significant claim occurs. Our Private Client advisors evaluate existing insurance programs, identify potential gaps, review valuation assumptions, and develop customized protection strategies designed around your assets, lifestyle, and future goals. We collaborate with wealth advisors, estate planning attorneys, family offices, and other trusted advisors to ensure insurance strategies align with broader financial objectives.

Assess Your Private Client Risk Exposure

Private Client Insurance Solutions for California Wealth

We design coverage strategies around the full spectrum of high-net-worth personal and lifestyle exposures,
including the unique property, liability, and catastrophe risks faced by affluent California families.

We design coverage strategies around the full spectrum of high-net-worth personal and lifestyle exposures,including the unique property, liability, and catastrophe risks faced by affluent California families.

We design coverage strategies around the full spectrum of high-net-worth personal and lifestyle exposures, including the unique property, liability, and catastrophe risks faced by affluent California families.

Luxury Homes & Estates

Primary & Secondary Residences

High-Value Automotive Collections

Private Aviation Exposure

Marine & Coastal Vessel Coverage

Excess Liability & Umbrella Structuring

Valuable Assets & Collections Protection

Personal Cyber Risk Protection

Global Travel & Lifestyle Risk Coverage

Luxury California home affected by flooding and earthquake damage requiring specialized private client insurance protection.

Flood & Earthquake

Professional household staff supporting operations at a luxury residence insured through private client coverage solutions.

Domestic Staff Liability

Private client advisors collaborating with family office professionals and wealth advisors on integrated risk management strategies.

Family Office Coordination

Luxury residences located across multiple states requiring coordinated private client insurance strategies.

Multi-State Property Portfolios

Our Process

Comprehensive Risk Management. Customized Solutions.

Comprehensive Risk Management. Customized Solutions.

We operate as a private client insurance advisor — working across specialty markets and insurance carriers to create a coordinated strategy aligned with your property, assets, and lifestyle. Our approach focuses on understanding the full risk picture, not simply placing individual policies.

Discovery & Strategy

We begin by understanding your properties, assets, lifestyle, priorities, and long-term objectives. We collaborate with you and your advisors to identify exposures and develop a comprehensive insurance strategy.

Execution & Optimization

Customization & Placement

We evaluate available markets and design coverage solutions tailored to your specific needs, securing appropriate terms, conditions, and protection.

Oversight & Adaptation​

Oversight & Stewardship

Your insurance program should evolve as your assets and circumstances change. We provide ongoing review, proactive guidance, and continued optimization.

The Beverly Hills Insurance Guide

PROPERTY & ESTATE RISK

client risk management strategies.

How Much Does Luxury Home Insurance Cost in Beverly Hills?

Understanding Wildfire Risk for Beverly Hills Homeowners

Why Luxury Home Replacement Costs Continue Rising

How Often Should High-Net-Worth Homeowners Review Coverage?

LIFESTYLE & ASSET PROTECTION

Beverly Hills luxury home estate protected by Wheeler & Taylor Private Client Insurance

Insurance Considerations for Beverly Hills Luxury Estates

Protecting Fine Art, Jewelry & Collections in California Homes

Why Successful Families Need Excess Liability Protection

Private Aviation Insurance Considerations

Insurance Insights

What Is Considered High Net Worth?

High Net Worth Insurance vs Standard Homeowners Insurance

Why Standard Insurance Fails High-Value Homes

What Assets Are Covered Under High Net Worth Insurance?

Umbrella Liability Insurance for High Net Worth Families

High Net Worth Insurance Cost Guide (2026)

Frequently Asked Questions

Understanding coverage, costs, and risk considerations for Beverly Hills luxury homes.

Private Client insurance costs vary significantly based on property values, rebuilding costs, liability requirements, lifestyle exposures, and the complexity of a family’s asset portfolio. Luxury homes, valuable collections, multiple residences, automobiles, and umbrella liability protection all influence the structure and cost of an insurance program.

Traditional homeowners insurance is designed for mass-market risks. Private Client insurance is built around the unique needs of affluent families and often includes broader coverage, higher limits, customized underwriting, and specialized protection for luxury homes, collections, liability exposures, and complex lifestyles.

Yes. Luxury homes often include custom architecture, premium materials, specialty craftsmanship, detached structures, and features that require accurate valuation and specialized coverage strategies to ensure adequate protection following a major loss.

Wildfire exposure has become an increasingly important consideration for California homeowners, particularly those with high-value properties, custom construction, and significant assets. A Private Client insurance review evaluates property location, construction characteristics, defensible space considerations, replacement cost assumptions, and available coverage options to help ensure the insurance strategy reflects current risk conditions.

Earthquake coverage is not included in standard homeowners insurance policies. Whether earthquake insurance is appropriate depends on your property’s location, construction type, financial objectives, and tolerance for risk exposure.

Construction inflation, labor shortages, supply chain constraints, custom materials, and specialized craftsmanship can all contribute to rising replacement costs for luxury residences, often outpacing standard insurance assumptions.

Private Client insurance goes beyond traditional homeowners coverage by addressing the broader risks associated with significant assets and complex lifestyles. While high-value homeowners insurance focuses primarily on the residence, a Private Client strategy considers the complete picture — including automobiles, collections, liability protection, multiple residences, cyber risks, and other specialty exposures.

Wheeler & Taylor develops coordinated insurance programs designed around each family’s assets, lifestyle, and long-term risk management objectives.

Liability needs vary based on assets, income, public visibility, lifestyle activities, property ownership, and future earning potential. Many affluent families benefit from liability limits that extend well beyond traditional homeowners and automobile policy limits.

Valuable possessions often require specialized scheduling, appraisals, and broader protection than standard homeowners policies provide. Fine art, jewelry, wine collections, watches, collectibles, and memorabilia may require dedicated coverage solutions.

Yes. Many Private Client families maintain primary residences, vacation homes, investment properties, and international exposures. Coordinating coverage across all properties can help improve consistency, reduce coverage gaps, and simplify administration.

Private Client insurance programs often include specialized protection for luxury automobiles, collector vehicles, exotic cars, and specialty transportation assets with coverage tailored to usage patterns and vehicle values.

Private Client programs frequently include luxury residences, automobiles, collections, yachts, private aircraft, excess liability protection, cyber coverage, and other assets associated with affluent lifestyles and complex ownership structures.

Yes. Many high-net-worth families own primary residences, vacation homes, investment properties, and other assets across multiple states. Wheeler & Taylor’s Private Client Group helps coordinate insurance strategies across locations to ensure property, liability, and specialty coverage work together as part of a broader risk management plan.

Our advisors evaluate the complete picture — including property values, ownership structures, catastrophe exposures, valuable assets, automobiles, and lifestyle considerations — to develop a coordinated approach designed around each client’s unique needs. Whether your properties span California, New York, Florida, or other locations, we help simplify complex insurance programs and provide ongoing guidance as your assets and circumstances evolve.

Wheeler & Taylor combines the market access and capabilities of a national insurance organization with the responsiveness and personal attention of a boutique advisory firm. Our Private Client Group focuses on protecting assets, preserving wealth, and providing long-term risk stewardship for successful individuals and families.

Serving Beverly Hills and Southern California Homeowners

Located on Rodeo Drive in Beverly Hills, Wheeler & Taylor Private Client Group serves affluent individuals and families throughout Southern California with customized insurance strategies designed around luxury residences, complex assets, and evolving lifestyle risks.

Many private clients maintain primary residences, vacation homes, and investment properties across multiple states. Our advisors coordinate insurance strategies across residences, assets, and lifestyle exposures to provide a comprehensive approach to protecting wealth and personal risk.

Beverly Hills Communities We Serve

  • Beverly Hills
  • Bel Air
  • Holmby Hills
  • Trousdale Estates
  • Brentwood
  • Newport Coast
  • Brentwood Park
  • Beverly Park
  • Hidden Hills
  • Pacific Palisades
  • Hancock Park

  • Malibu
  • Santa Monica
  • West Hollywood
  • Los Angeles
  • Newport Beach
  • Laguna Beach
  • Manhattan Beach
  • Rancho Santa Fe
  • Holmby Westwood
  • Surrounding Southern California Communities

Whether you own a gated Beverly Hills estate, a luxury residence overlooking Los Angeles, or multiple properties across the country, our advisors help ensure your insurance strategy reflects the complete picture of your wealth and lifestyle.

Exterior view of Industrious Beverly Hills at 150 S. Rodeo Drive, where Wheeler & Taylor Insurance maintains its Beverly Hills presence.
Exterior view of Industrious Beverly Hills at 150 S. Rodeo Drive, Beverly Hills, CA. Photo courtesy of Industrious. Used with permission.

Phone
(310) 601-5721

Address
150 S. Rodeo Drive, Beverly Hills, CA 90212

Hours

Mon-Thu 8:30 AM – 4:30 PM, Fri 8:30 AM – 3 PM

Coverage Designed Around Property, Assets, and Lifestyle

Wheeler & Taylor combines national private client capabilities with the accessibility, responsiveness, and personalized service of a boutique advisory firm. Our role is not transactional placement. It is long-term risk stewardship for individuals and families whose assets require a higher level of expertise.

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© 2026 Wheeler & Taylor Private Client Group. All rights reserved. Wheeler & Taylor Private Client Group provides insurance advisory services and places coverage through a carefully selected network of licensed insurance carriers. Insurance policies are issued and underwritten by individual insurance companies that are authorized to transact business in the applicable jurisdiction. Coverage availability, terms, conditions, limitations, and deductibles vary by policy and by state. This website content is intended for informational purposes only and does not constitute a guarantee of coverage. Descriptions of coverage are general in nature and may not reflect all policy provisions or exclusions. For complete details regarding coverage, terms, and conditions, please refer to the applicable insurance policy or consult directly with your Wheeler & Taylor Private Client Group advisor.

Wheeler & Taylor Insurance Logo Since 1871

CA License #0M53121

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