High Net Worth Insurance Solutions

At the Villanueva Agency, we specialize in providing high net worth (HNW) individuals with specialized insurance designed for their unique needs. We are here to advise, guide, advocate for you, and provide superior risk management by offering unique insurance solutions through an entire suite of companies that specialize in high net worth insurance. We take the time to understand your needs and tailor protection to match. Our private client insurance products offer broad coverage, supported by our platinum-level service.

Our job is to understand our clients, advise them of their risks, and manage those risks through a specialized suite of insurance strategies.

Risk Management Strategies Suite

Individual Policies

Home Insurance

Whether your house contains distinctive architecture, custom fixtures, or rare hard surfaces, protect your investment with a proper HNW homeowner’s insurance policy. Each policy is designed to cover your home’s specific needs. The policies we are able to offer may also provide broad personal liability protection that matches your lifestyle in addition to coverage for high-value homes, multiple properties, and weather adverse properties. Many of our policies offer Personal Liability Protection, Guaranteed Replacement Cost, Cash-out, Rebuilding to Modern Building Codes, Home Appraisal Services, Additional Living Expenses, and Replacement Cost for Contents.

Auto Insurance

Coverage for vehicles, including antique, collector, and recreational cars, as well as motorcycles and motor homes or recreational vehicles (RVs). Our policies go beyond the vehicles you own and provide extensive liability protection along with coverage for common risks you may not think about. Many of our policies offer Original Equipment Manufacturer (OEM) Parts, Agreed Value, Gap Protection, Choice of Repair Shops, Rental Protection, High Liability Limits, Worldwide Rental Coverage, Worldwide Liability Protection, Worldwide Claim Centers, and Lock and Key Replacement coverage.

Umbrella Insurance

Home, auto, and watercraft policies provide a limited amount of liability coverage. Personal umbrella policies can provide an additional layer of protection should the limits of your policy be reached. HNW insurance packages can cover $1,000,000 to $50,000,000 in liability. These policies may offer worldwide protection and wide-ranging coverage for risks rising from everyday situations like bodily damage, property damage, or personal injury. Many of our policies offer Unlimited Defense Costs, Drop-Down Protection, Directors and Officers Liability, and Domestic Employee Coverage.

Boat Insurance

Watercraft insurance allows you to enjoy your boat without worry. These policies can protect your yacht, sailboat, or any other watercraft in local waters and beyond. Many of these policies offer liability in addition to physical coverage of your boat. Policies can cover yachts, mega yachts, ships, sailboats of all sizes, motorboats, speedboats, jet skis, houseboats, and supporting craft like tenders, or dinghies. Policies may include Territory, Agreed Value, Crew, Bumbershoot, Towing and Emergency Repair, Liability, Medical Payments, Uninsured Boaters, Liability for Non-Owned Vessels, Newly Acquired Vessels, Wreck Removal, Accidental Fuel Spill or Pollution, Hurricane Hall Out, and Charter Usage Coverage.


Business Insurance Policies

General Liability Insurance

Commercial general liability insurance provides you with Liability Coverage for Property Damage, Bodily Injury, Medical Payments, Defense Costs, and Personal & Advertising Injuries. Whenever you are held legally liable, your general liability insurance policy will kick in to provide you with protection.

Commercial Insurance

Commercial lines insurance includes policies for your business that provide coverage for Auto, Workers’ Compensation, Federal Flood, Aircraft, Ocean Marine, and Medical Malpractice Insurance. Commercial lines protect businesses against potentially devastating financial losses caused by accidents, lawsuits, natural disasters, and other adverse events.

Business Owners Insurance

Business owner’s insurance policies combine both property and liability coverage into one package. Small and medium-sized businesses such as restaurants, wholesalers, retail stores, and contractors will benefit from this as these policies also protect the equipment, building, tools, and other property of the business.

Workers Comp

Worker’s compensation insurance protects employees under state laws and provides medical care, death, disability, and rehabilitation benefits for workers who are injured or killed while on the job. This coverage pays all compensation and benefits related to the insured employer's state's workers' compensation laws without any regard to liability.

Business Auto Insurance

Commercial auto insurance is liability and physical damage protection for vehicles, such as cars, trucks, and vans, that are used for business. Commercial vehicles require a separate policy because they're typically exposed to more risk than personal vehicles.

Contractors - Professional Liability Insurance

Contractors’ professional liability insurance is liability insurance that provides coverage to contractors and building professionals for construction errors. Contractors professional liability insurance, or CPL insurance, is purchased by contractors that provide design and building services and includes coverage of mistakes made by the contractor as well as errors made by third parties hired by the contractor, such as engineers, architects, and other vendors.