Private client insurance
We are the specialist insurance broker for private clients with high-value homes and luxury assets.
Our family-led team will make sure you have the very best protection when you need to claim, because that’s when insurance matters.
Contact us
Why Lumley
Specialist
We specialise in insurance for high-value homes, heritage properties and luxury assets. We understand the increasingly diverse and sophisticated needs of our clients, and work closely with our unrivalled panel of high-net-worth insurers. This ensures your cover is thoughtfully arranged and that you are well supported should you need to make a claim.
Trusted
We earn trust and loyalty. This is reflected in feedback from clients, many of whom have been with us for decades. They stay because we know our market inside-out and we invest time in getting to know them and their insurance needs. Every member of our team is committed to delivering truly personal service, whether you’re requesting a quote, renewing a policy or making a claim
Independent
As an independent, family-owned business, we’re not tied to any one insurer. We’re proud of our reputation for investing in relationships with our insurers, their claims teams and loss adjusters. This gives us the freedom to recommend cover that matches your specific needs and lifestyle, and provide the very best support if you need to claim.
Homes, possessions and more
At Lumley, we insure your home, contents and other valuable assets. Our team of experts is on hand for any questions, and ready to help you protect anything, from antiques and art to the family jewellery.
Homes and contents
Fine art and collections
Jewellery and watches
Farms and estates
Travel insurance
Building works
High-value and prestige vehicles
Holiday and second homes
Unoccupied properties
Listed and heritage properties
The Lumley way
Too often, people only realise the true value of their insurance at the worst possible moment, when they need to make a claim. For some, that’s when it becomes clear their home, or possessions have been underinsured.
It doesn’t have to be that way. At Lumley, we make sure your cover is accurate and you’re prepared when a claim is needed.
Our approach to preparation and certainty is what we call the Lumley way.
Our cover is smart in every sense as we provide intelligent and high-end insurance services to astute clients.
We begin by understanding what matters to you. Your assets, lifestyle, priorities, and the level of protection you need. We look beneath the surface, taking the time to understand your circumstances properly so your cover reflects what’s truly important, not just what’s easiest to insure.
Next, we make sure the sums insured are right. Rebuild costs and valuations for property, possessions, and specialist assets all need to be accurate. Underinsurance is one of the most common reasons claims fall short, so where needed, we bring in trusted surveyors and valuers to help get everything right from the start.
At this point, we may consider your jewellery-wearing habits, current security arrangements and the case for increasing excesses. Once valuations are clear, we look at ways to reduce risk before approaching insurers. This might include security measures, fire prevention, cyber protection, or seeking specialist advice from our wider network. We can recommend trusted partners to advise you on all these matters. These steps help protect you day-to-day and can also strengthen your position when arranging cover.
Once all the previous steps are complete, we place cover with insurers, drawing on our deep knowledge of the high-net-worth market and our relationships with insurers. With the groundwork in place, we focus on securing the most appropriate insurer and level of cover, explaining your options clearly so you understand what’s covered and why it matters.
If you need to make a claim, this is when all the preparation pays off. Valuations are clear, cover is understood, and the process is more straightforward from the outset.
Our claims team stays closely involved, providing clear guidance and steady support when it matters most.
Preparation, clarity, and support sit at the heart of our approach. That’s what ensures everything is in place when insurance is needed.
Exceptional protection starts with the right expertise
Alongside access to specialist insurers, we work with a trusted network of valuers, security consultants, restoration specialists and other carefully selected advisers. This allows us to support clients with the wider considerations that come with owning valuable homes, possessions and assets.
It’s a joined-up approach designed to provide confidence, minimise risk, and ensure the right support is available whenever it’s needed.
What our clients say
We’re proud of the long-term relationships we build with private clients and the trust they place in us to protect what matters most. Here’s what some of them have to say.