Private Client Services

beautiful pool and home lit at sunset

Be Ready with Rue™ is a commitment to help our clients identify potential risks and create a strategy to reduce these risks and avoid unexpected expenses. Our Private Client Team is a specialized unit built to serve the unique needs of affluent individuals. As your net worth grows, your financial risks become more complex. That’s where our Be Ready System makes a difference. Let our professional team implement a custom plan to help you be ready for that event you just don’t see coming.

We don’t solely work for an insurance company; we also work for you. We will work on your side when you have a problem or a loss and we will follow through to see that you get fair and prompt treatment at all times. With Rue you can expect availability, experience, reliability, and convenience … proven for more than 100 years.

A single point of contact for all of your individual insurance needs is what sets our personal insurance service apart. Combine this with 24-hour, seven days a week claims service, and you will discover the true meaning of VIP service.

At Rue Insurance, we offer a full spectrum of personal insurance products to meet all of your needs.

Traditional Insurance Solutions


Industry-leading High Net Worth Insurance solutions for high value homes. From condominiums, cooperatives, and apartments, to century-old row homes, newly built residences and vacation homes. Guaranteed replacement coverage to repair, replace or rebuild your home to match its original quality. Cash out options are available.

Antique & Collector Auto Insurance

We offer traditional car insurance, SUV insurance, collector and antique car insurance, motorcycle insurance, motor home insurance and more. Key coverage areas include repairing with original manufacturer parts, choice of repair shops, and increased coverage for loss of use. Agreed Value coverage is also an option in some programs, whereby, if your car is stolen or totaled, our carriers write you a check for the agreed amount. High coverage limits for liability and UM/UIM are available.

Personal Excess Liability

Complete your High Net Worth Insurance program with Personal Excess Liability coverage. Coverage that responds if a lawsuit alleging personal injury exceeds the limits in primary (auto, homeowners, yachts, etc.) policies. Personal Umbrella Insurance and Personal Excess Liability coverage are offered in limits up to $100 million, so all assets can be protected adequately. Coverage is available for volunteer activities such as board member duties for non-profits/churches/etc.

Collections & Valuables

Special coverage forms are needed to include protection for prized collections such as fine art, jewelry, wine, antiques, guns, memorabilia or other precious items. Fire, theft, flooding, natural disasters, breakage and mysterious disappearance are all addressed – and supplemented with collection management services to help preserve values. Worldwide coverage is available.

Aircraft, Yachts & More

Coverage is available for all types of boats, yachts, and super yachts. Yacht crew coverage is also available. A wide range of additional programs to consider include solutions for private aircraft, trip cancellations, private staff, family offices, and programs to help protect family members against the dangers of kidnapping and extortion.

Enhanced Program Solutions

Security & Vulnerability Diagnostics

  • Identification of potential security concerns along with recommended plan of action
  • Panic room & evacuation plan development
  • Cybersecurity review & recommendations

Hidden Hazard Detection

  • Infrared cameras to identify “hot spots” in wiring
  • Moisture/mold detection
  • Remediation plans & preferred provider agreements

Travel Security

  • Worldwide coverage and service
  • Emergency medical transport back to the U.S.
  • Political evacuation
  • Unforeseen medical expenses while abroad
  • Lost baggage and trip delay coverage
  • Emergency travel assistance

Domestic Employee Coverage

  • Employee handbook assistance
  • Employment Practices Liability coverage
  • Domestic employee Workers Compensation insurance

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