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Your Trusted Partner for Customized Insurance Solutions
At Private Client Insurance, we specialize in delivering tailored insurance solutions for high-net-worth individuals, athletes, executives, and professionals. With over 25 years of combined experience in financial services and insurance, our team prioritizes client needs by partnering exclusively with top-tier AM Best-rated carriers known for exceptional claims handling and service. We offer customized coverage for unique assets including yachts, exotic vehicles, homes, and personal liability, ensuring comprehensive protection aligned with each client's lifestyle and risk profile.

Our dedicated relationship managers work closely with clients and their financial advisors to design insurance portfolios that safeguard wealth and maintain privacy. By focusing on transparency, trust, and personalized service, we aim to be the preferred insurance partner for discerning clients seeking reliable, long-term protection.
Services
Athlete Disability Coaches Insurance Yacht Insurance Umbrella Policies Exotic Cars Motor Home Insurance Domestic Employees
Highlights and features
  • We have 25+ years of experience in financial services and insurance.
  • Our dedicated relationship managers provide personalized account oversight.
  • We partner exclusively with AM Best-rated insurance carriers.
  • We offer transparent, no-hidden-fee insurance solutions.
  • We specialize in customized coverage for unique high-value assets.
Associations and certifications
  • ACE
  • AIG
  • Chubb
Services
Yacht Insurance
Our yacht insurance provides comprehensive protection for luxury vessels, covering physical damage, liability, and onboard equipment. Designed for high-value yachts, this policy includes specialized coverage for navigation areas, crew protection, and emergency assistance. We work with top-tier carriers to ensure reliable claims handling and tailored risk management solutions for yacht owners.
Athlete Disability
Athlete disability insurance safeguards professional athletes' income against career-ending injuries or illnesses. This specialized coverage ensures financial stability during recovery periods or permanent career transitions. Our policies are customized to individual sports risks and contract structures, providing critical protection for athletes' earning potential.
Umbrella Policies
Umbrella liability policies provide excess coverage beyond standard insurance limits, protecting against major claims or lawsuits. Ideal for high-net-worth individuals, these policies cover personal liability risks across multiple assets including homes, vehicles, and recreational properties. We offer policies from top-rated carriers to ensure comprehensive risk protection.
Exotic Cars
Our exotic car insurance specializes in high-value vehicle protection, covering rare, luxury, and high-performance automobiles. Policies include agreed-value coverage, specialized repair networks, and protection for multiple vehicles. We address unique risks associated with exotic cars while maintaining competitive premiums through partnerships with specialty insurance carriers.
Coaches Insurance
Coaches insurance provides liability protection for sports professionals against claims related to injuries, accidents, or professional negligence. This coverage addresses risks associated with training activities, facility use, and athlete interactions. Our policies are designed to protect coaches' personal assets and professional reputations through comprehensive risk management solutions.
People
Adam Skarbek
President and Portfolio Manager
With 25 years in financial services, Adam Skarbek specializes in wealth management solutions for high-net-worth clients. He focuses on insurance, investment, and credit needs while leveraging his banking and private wealth experience to deliver tailored protection strategies.
Questions
What types of insurance does Private Client Insurance specialize in?
We specialize in high-value insurance solutions including yacht insurance, athlete disability coverage, umbrella policies, exotic car insurance, and coaches insurance for affluent individuals and professionals.
How do you work with financial advisors?
We collaborate with financial advisors to provide complementary insurance solutions that protect clients' assets while maintaining their existing advisory relationships and wealth management strategies.
What makes your insurance approach unique?
Our approach combines personalized service, partnerships with top-rated carriers, and customized coverage plans tailored to each client's specific assets and risk management needs.
How do I file an insurance claim?
To file a claim, complete our online claim form or contact our office directly at 1.321.254.5780 for immediate assistance with the claims process.
Do you offer coverage for unique assets?
Yes, we provide specialized coverage for unique high-value assets including yachts, exotic vehicles, luxury homes, and personal liability protection for professionals.