ARC Personal Lines

Are you a homeowner with multiple homes in multiple states? Do you own a classic car? Do your passions include art collectibles, sports memorabilia, wine collections, jewelry, and antique furniture? Have you evaluated what limits of liability are adequate to protect you from lawsuits that occur on your premises, in your automobiles or on your watercraft? ARC Excess & Surplus LLC formed ARC Personal Lines LLC, an operation designed to customize the personal insurance and risk management coverage for the wealthy, affluent and high-net-worth customer. The operation has established carrier appointments with all the major underwriters in the high-net-worth space including Chubb, AIG Private Client Group, and PURE. Our experienced and skilled advisors have taken a pledge to offer ethical, confidential, and honest advice while providing world-class customer service. ARC Personal Lines is located within the ARC headquarters in Jericho, NY and can provide services nationally.

We Offer Concierge Service Level Coverage For:

Luxury Homeowners Insurance

Choosing the right insurance carrier, agent and policy for your home is one of the most important financial decisions you can make as a homeowner. ARC Personal Lines specializes in protecting high-value assets for luxury homeowners to keep their investment safe and secure.

ARC Personal Lines is a leader in high-net-worth insurance packages and understands that owning a high-value home has unique coverage considerations. We understand the emotional and financial investment involved in owning a high-value luxury home. Therefore, we work closely with clients to find the most competitive premium possible while maintaining exceptional coverage. Our luxury and high-value home insurance provides exceptional coverage that is designed to protect assets and legacy for the finest homes. The details in a high valued home carry replacement values that are far more expensive that a standard build.  Our specialty carriers underwrite policies according to each client’s unique needs. Their goal is to protect the valuable assets within the home and restore valuable detailed features that make the home one of a kind to its owner.

Luxury Homeowners Insurance

Umbrella & Excess Insurance

High net worth individuals are often targets of litigation. Protecting your personal assets with Umbrella and Excess Insurance is critical for the affluent customer. Both coverages are designed to provide coverage above the limits of primary coverage. Umbrella policies are a type of excess liability that offers higher liability limits while broadening coverage for things that your underlying policy might not cover. An umbrella policy can increase your personal liability coverage for your home, auto and recreational vehicles including watercraft insurance policies to help protect your assets from life’s risks.

ARC Personal Lines provides enhanced coverage options up to $100 million. We know your time is valuable, so we deliver an experience that efficiently and effectively offers value to your insurance strategy.

Private Collections Insurance

Private Collections Insurance provides coverage that is specifically designed to protect your prized belongings, those items that you have spent a lifetime collecting. This kind of insurance automatically includes breakage and pair-and-set coverages should any damage occur to one or more pieces of a set. ARC Personal Lines understands the personal value you place on your collection pieces. Based on your individual high- quality collection, we will work with you to pinpoint the best coverage options available.

Art & Jewelry Coverage

At ARC Personal Lines, we are dedicated to protecting your family’s assets and heirlooms that often have great sentimental value. Our team works closely with clients to determine art and jewelry coverage. We help you itemize the key valuable pieces and provide blanket coverage for items that collectively have value. Our carrier partners in this space provide worldwide coverage for valuables that are lost or stolen.  We will also help you choose an appraiser to assess your home and document your belongings, including artwork, jewelry, antiques, collectibles, precious metals, wine collections and furnishings. Your legacy is our priority! Both blanket insurance and scheduled items provide comprehensive coverage for jewelry. Please contact us to find out which one may be best for you!

Extended Replacement Cost Coverage

ARC Personal Lines offers Extended Replacement Cost Coverage, which will cover up to a specified percentage over an insured’s policy limit in order to fully replace a damaged home. Depending on the replacement percentage you select, it can cover an additional 25% to 200% of the policy amount for a claim. This type of coverage can pick up some of the extra costs if repairs exceed your policy coverage amount.

yacht insurance

Watercraft Insurance

As a boater, it’s important to protect your boat and your crew from harm. ARC Personal Lines can answer your questions about the different types of watercraft insurance coverages so that you can build a policy that makes the most sense for you and your family. Such policies ensure that your “floating secondary home” are handled with care, especially if you decide to rent out your vessel. ARC Personal Lines will give you the peace of mind knowing your watercraft is covered, bow to stern.

Aircraft Insurance

Owning or renting a private jet has its advantages. Although most people decide to put it under a corporate name, liability can still occur while using your jet for personal reasons. While giving superior customer service, ARC Personal Lines delivers exceptional protection for financially successful individuals who need help addressing their specific situations, including coverage that offers higher liability limits.

Personal Identity Theft

A common risk that comes with having perfect credit and significant assets is the risk of identity theft. Personal Identity Theft coverage can help protect from this growing problem and cover some of the costs, such as reimbursement for money spent on reclaiming your financial identities and repairing your credit report. Depending on the policy chosen, specialists can help guide victims through the identity restoration process.

ARC Personal Lines will help you save time and aggravation, and provide you with peace of mind.

Cyber Liability & Protections

The average high net worth individual has over 20 entry points through the Internet of Things. Whether you own a smart home, a smart car, or a smart TV, or Alexa helps you play your music, you have created entry points for Cyber criminals. The high net worth carriers offer coverage up to $1M in limits to protect you from cyber fraud, cyber bullying, and cyber ransom. ARC Excess & Surplus Personal Lines through our high net worth carriers connect you to prominent cyber consultants that offer services to expedite and counsel on any issues that you may have with respect to your Cyber security.

Internet of Things

Workers Compensation

Do you have staff that works on your premises or with you more than 40 hours a week? Accidents happen, this extension of coverage on high-end homeowners policies can provide workers’ compensation insurance for an employee’s medical expenses, lost wages, and rehabilitation services that result from a workplace injury or illness. This type of insurance is a safety net that helps prepare you for an unexpected accident. In addition to helping cover medical bills and lost wages, workers’ compensation also assists with vocational rehabilitation services to help you get back to work.

ARC Personal Lines will advise where offering such coverage is mandatory and when it is advisable depending on the personal staffing situation you have.

Flood Insurance

A standard homeowner’s insurance policy usually limits the coverage amount available for personal belongings to as low as 50 percent of your home’s insured value. For many high-net-worth households, these lower limits may not be enough to properly insure your valuable belongings, especially if you live on the water or in a flood zone.

ARC Personal Lines provides high-value homeowners insurance policies with a flood insurance policy to cover floods and storm surge and can work with you to obtain personalized coverage for your home.( Link here to download a flood insurance application)

Excess Flood Insurance

Most homeowners who have flood insurance obtain it from the Federal Government’s National Flood Insurance Program (NFIP), but policies tend to max out at $250,000. Therefore, if you own a high-value home that would cost more than $250,000 to rebuild, you may be required to buy excess flood insurance by your mortgage lender. An excess flood policy mimics an NFIP policy, so whatever your flood insurance covers, your excess flood insurance policy should also cover.

ARC Personal Lines provides experience and peace of mind with extraordinary claims handling for high-value homeowners. Clients can expect to receive a confidential risk analysis from our team of concierge underwriters.

Travel Insurance

ARC Personal Lines is a trusted provider of Chubb Passport 360, a complete insurance solution to help manage risk while traveling. Serving employers, groups, and individuals, Chubb provides comprehensive and flexible solutions, backed by solid underwriting.

AIG Private Client Group
Chubb
Pure Insurance
National General Premier
Travelers

Learn More About Protecting Your Interests

(516) 747-4100

Request more information about ARC Personal Lines or an appointment with a risk management specialist.




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