Nymble's Private Client practice serves Florida families and individuals whose insurance needs have outgrown the standard market — primary and secondary residences, classic cars, fine art and jewelry, yachts, umbrella towers, and family office exposures, coordinated by a single senior advisor.
At a certain point, standard-market homeowners and auto policies stop fitting the shape of the lives they're meant to protect. Limits are too low. Coverage forms are too narrow. Adjusters are too detached from the exposure. Private client carriers exist for exactly this gap.
Private client planning isn't a single policy — it's a coordinated set of policies that fit together. We place each piece with the right carrier and keep them in alignment.
High-value HO-3 and HO-5 placements on primary, vacation, and investment homes. Single-policy coordination across multiple residences in Florida and elsewhere.
Coverage structured for LLCs, family trusts, and other entities holding real property — with named insured language that aligns with how your counsel set the entity up.
Premium auto for daily drivers, agreed-value for classics and exotics through Hagerty and Heacock Classic, and consistent liability limits underlying your umbrella.
Hull, P&I, salvage, fuel spill, and crew coverage on watercraft from center-consoles through yachts. Captain's and charter exposures handled separately when relevant.
Umbrella towers from $1M to $25M and above. Standalone availability through RLI; integrated towers through Chubb and Travelers.
Scheduled and blanket coverage for collections, including transit, exhibitions, and climate-related exposures. Appraisal coordination as part of the placement.
Worldwide coverage on engagement rings, watch collections, and personal jewelry through Jewelers Mutual, BriteCo, and Wax — without the homeowners scheduled-property caps.
Workers' compensation and employer's liability for household employees, employment practices coverage, and benefits coordination for nannies, estate managers, and crew.
Term and permanent life sized to your estate — structured for trust ownership, buy-sell funding, key-person needs, and long-term care hybrids where they fit. Placements coordinated with your tax and estate counsel.
High-limit individual disability income through specialty markets — sized for executives, professionals, and business owners whose group long-term disability caps fall well short of their actual earned income.
Coverage for online banking compromise, deepfake and social-engineering fraud, ransomware on home networks, identity theft, and digital reputation events — risks the standard homeowners policy was never built to address.
K&R coverage for families with international travel, public profile, or business exposure — including extortion, wrongful detention, and the crisis-response apparatus that turns a private event into a managed one.
National private client carriers like Chubb know the playbook, but the carriers that matter most for catastrophe-exposed Florida property — Orchid, SageSure, ICAT — only sit on shelves like ours. The right Florida placement uses both.
Most private client agencies are loyal to one or two carriers and route everything there. Nymble is independent across the entire private client shelf — so the placement fits your exposure, not a carrier's quota.
Before we recommend coverage, we map your full exposure — every residence, vehicle, valuable, liability, and entity. The placements come after the picture is clear.
Chubb Masterpiece is our anchor for high-value home and Personal Excess; AmWins and MSI MGA give us wholesale HNW access; coastal specialists, surplus lines, and valuables-only carriers fill out the rest.
You get a dedicated point of contact for every line — not a call center, not a junior producer, not a different person each time you have a question. Reviews are scheduled, not reactive.
We're appointed with the carriers that matter for private client work in Florida. The right placement uses several of them together.
Premium high-value home, auto, valuables, and excess liability.
Chubb's Masterpiece program is the most established private client offering in the U.S. — built for homes with $1M+ rebuild cost, with guaranteed replacement cost, cash settlement options, in-house claims, comprehensive valuables coverage, and integrated personal excess liability. We place Masterpiece across Florida for qualifying properties.
Specialty coastal and surplus-lines carriers for waterfront, barrier-island, and other catastrophe-exposed homes that fall outside admitted-market appetite.
Umbrella and excess liability towers from $1M through $25M and above, with standalone availability through RLI for households that need it without underlying RLI auto or home.
Wholesale partners that open up specialty private client, coastal property, large-schedule, and high-net-worth valuables placements beyond direct appointments.
Agreed-value coverage for collector, classic, antique, and modified vehicles — properly priced for limited use and protected from the depreciation arguments standard auto carriers run at claim time.
Specialist carriers for engagement rings, watches, designer handbags, sneakers, trading cards, fine art, wine, and 30+ collectibles categories — with worldwide protection and appraisal-based valuation.
Private flood markets that beat NFIP's $250K cap and often beat its pricing — with replacement cost on contents and faster claims handling than the federal program.
Share what you have in mind and we'll reach out within one business day to schedule a private review. No quote forms to fill out. No pitch on the first call.
