Private Client Select
Private Client Select is a US-licensed property/casualty insurance producer founded in 2023 that distributes bespoke high-net-worth and ultra-high-net-worth personal lines coverage (homeowners, auto, fine art, yacht, excess liability) backed by AIG member companies through an exclusive wholesale partnership with Ryan Specialty.
- Company typePrivate
- Founded2023
- HeadquartersBerkeley Heights, United States
- Headcount251–500
- GTM typeB2C
- OfferingServices
What Private Client Select does
Private Client Select (legal entity Private Client Select Insurance Services LLC, d/b/a PC Select Insurance Services in California) is a US-licensed property/casualty insurance producer founded in 2023 and headquartered in St. Petersburg, Florida, with its principal place of business in Florida and domicile in Delaware. The company distributes five core personal-lines products — Homeowners, Automobile, Fine Art & Collectibles, Yacht, and Excess Liability — targeting high-net-worth and ultra-high-net-worth individuals, plus Risk Management Services and a consolidated Family Office offering for clients with $500M+ Total Insurable Value across 50+ locations. Underlying carrier capacity is supplied by AIG member companies (including National Union Fire Insurance Company, AIU Insurance Company, AIG Assurance Company, and American Home Assurance Company), positioning PCS as the branded distribution front for AIG's private client franchise in the US HNW/UHNW personal-lines market.
The operating model is hybrid direct/broker: an exclusive wholesale distribution partnership with Ryan Specialty (announced August 2024) anchors producer access across all 50 US states and DC, supplemented by a broader broker/producer network served through a dedicated broker assistance line and a Salesforce-backed broker portal with Okta SSO. Direct policyholders access a self-service client portal for policy viewing, paperless billing, payments, and claims submission; payments are processed by One Inc (which charges a 2.99% credit-card fee), and claims are administered through claims-partner Sedgwick under the direction of Chief Claims Officer Eileen Duffy. Technology differentiation is limited to a digital portal layer, AI-assisted fraud detection via behavior analysis, and integration with specialist risk-prevention partners (water-leak detection, wildfire hardening, cybersecurity, art restoration).
Revenue is generated primarily through commissions and fees on placed P&C premiums — a recurring, underwritten revenue stream with monthly installment billing — supplemented by transactional payment-processing pass-through fees paid to One Inc. Pricing is bespoke and quote-based, calibrated to total insurable value, asset class, and risk profile rather than standardized. Go-to-market rests almost entirely on a field-sales and broker-assisted motion rather than self-serve acquisition, with the client portal serving existing policyholders rather than as a new-customer funnel.
Private Client Select firmographics
Firmographics- Name
- Private Client Select
- Legal name
- Private Client Select Insurance Services LLC
- Website
- https://privateclientselect.com
- Company type
- Private
- Founded year
- 2023
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Private Client Select is a US-licensed property/casualty insurance producer founded in 2023 that distributes bespoke high-net-worth and ultra-high-net-worth personal lines coverage (homeowners, auto, fine art, yacht, excess liability) backed by AIG member companies through an exclusive wholesale partnership with Ryan Specialty.
- Ownership category
- akta.pro rank
Private Client Select industry classification
Industry- Product category
- Personal Lines Insurance
- NAICS
- Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421), Other Insurance Related Activities (52429)
- SIC
- Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)
- akta.pro primary industry
- Personal Excess Liability (High-Net-Worth) (FSAJANAF)
- akta.pro secondary industries
- Claims Handling, Documentation & Dispute Resolution Services (HSAKANAI), General Liability Insurance (FSAJAMAE)
Keywords
Where Private Client Select is headquartered
LocationHeadquarters
- HQ city
- Berkeley Heights
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Private Client Select business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others, Infrastructure
Revenue model
- Insurance Premiums: PCS generates revenue as a licensed property/casualty insurance producer through policy premiums. The company acts as an intermediary between high net worth clients and insurance carriers (including AIG member companies), earning commissions on placed coverage. Premiums are collected through various billing options including installments, with invoices generated 21 days prior to installment due dates.
- Payment Processing Fees: PCS charges a 2.99% fee for credit card payments processed through third-party payment processor One Inc. This fee is paid directly to One Inc for use of its digital payment processing platform.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Bespoke insurance solutions for high net worth individuals |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
Private Client Select product offering
Product offeringCore offering
Private Client Select Insurance Services LLC is a licensed property/casualty insurance producer that designs and distributes bespoke personal lines insurance — Homeowners, Automobile, Fine Art & Collectibles, Yacht, and Excess Liability — for high-net-worth and ultra-high-net-worth individuals, families, and family offices across all 50 US states and the District of Columbia. Coverage is underwritten and issued through AIG member companies, distributed via an exclusive wholesale broker arrangement with Ryan Specialty, and supported by Risk Management Services, Family Office Services, dedicated Platinum Advisors, and 24/7 claims handling through Sedgwick.
Product overview
Private Client Select Insurance Services LLC is a licensed property/casualty insurance producer specializing in complex risks for high-net-worth and ultra-high-net-worth individuals and families. The core offering consists of five insurance products (Homeowners, Automobile, Fine Art & Collectibles, Yacht, and Excess Liability) supported by two service lines (Risk Management Services and Family Office Services). The Homeowners, Automobile, Fine Art & Collectibles, Yacht, and Excess Liability products form the primary coverage portfolio, while Risk Management Services provides proactive loss prevention (water damage, wildfire, cybersecurity, Smart Build, background checks, collection management) and Family Office Services delivers consolidated single-policy coverage for complex multi-location portfolios. Client and Broker Portals provide self-service access for policy management and distribution partners.
Differentiator
Problem solved
Functional benefit
Quantifiable outcome
- Fast, thoughtful claims resolution designed to take hours, not days
- +5 more outcomes
Companies that use Private Client Select
Customer profileNamed customers1 record
Segments4 records
Ideal customer profiles2 records
Private Client Select technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature3 records
Private Client Select partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and minor.
- Ryan SpecialtycoreRyan Specialty entered a distribution trading partnership with PCS, making Ryan Specialty the exclusive wholesale broker for PCS in US high and ultra-high net worth markets. Jason Lentz was promoted to President of RT Specialty High Net Worth to oversee this partnership expansion. Ryan Specialty brings nearly two decades of insurance industry experience, including eight years developing RT Specialty's personal lines practice.
- SedgwickcorePCS partners with Sedgwick for claims management services. Eileen Duffy, Chief Claims Officer at PCS, manages this partnership ensuring process efficiency while maintaining white-glove claims service. Claims can be submitted through [email protected].
- AIG Member CompaniescoreAIG member companies (including AIG Assurance Company, AIG Property Casualty Company, American Home Assurance Company, and others) are the underlying insurance carriers providing coverage to PCS clients. PCS operates as a marketing name for the private client insurance business backed by AIG. Specific AIG carriers include: AIG Assurance Company, AIG Property Casualty Company, American Home Assurance Company, AIU Insurance Company, Commerce and Industry Insurance Company, Granite State Insurance Company, Illinois National Insurance Co., National Union Fire Insurance Company of Pittsburgh, PA, New Hampshire Insurance Company, and The Insurance Company of the State of Pennsylvania.
- Water Damage Prevention ExpertsminorPCS partners with water damage experts to design prevention plans and install water leak detection technology at client properties as part of Risk Management Services.
- Cybersecurity SpecialistsminorPCS partners with elite cybersecurity specialists to protect client data and digital assets from sophisticated threats as part of comprehensive cybersecurity assistance services.
- Wildfire Prevention ExpertsminorPCS works with wildfire prevention experts and professionals to help clients position their properties to survive wildfire events as part of Risk Management Services.
- Art Restoration SpecialistsminorPCS coordinates art restoration through an extensive network of specialists for losses over $50K, providing comprehensive services including vulnerability assessments, inventory documentation, and emergency planning for fine art and collectibles.
Scale indicators3 records
Recent moves5 records
Expansion highlights5 records
Private Client Select competitors and assessment
Company assessmentBroad incumbents
- Nationwide Private Client: Nationwide's high-net-worth personal lines division distributes through specialized agents and competes for the same multi-location, multi-vehicle households that PCS Family Office Services targets.
- Travelers Personal Insurance: Travelers offers premium homeowners and auto coverage with high-net-worth endorsements through independent agents — a broad incumbent with a meaningful share of agent-placed HNW personal lines.
- Chubb Private Risk Services: Chubb's dedicated high-net-worth personal lines division offering homeowners, auto, valuable articles, and excess liability — overlaps substantially with PCS's product portfolio and customer segment, and is the dominant incumbent broker relationships are accustomed to placing HNW business with.
- Cincinnati Financial / Cincinnati Private Client: Cincinnati Financial's Private Client division serves HNW households with homeowners, auto, and umbrella coverage distributed through independent agents; a long-standing incumbent competing for the same broker-placed HNW business.
- Liberty Mutual Private Client / Personal Insurance: Liberty Mutual's Private Client program delivers homeowners, auto, and umbrella coverage to affluent households through appointed agents — another broad incumbent competing for broker- and agent-placed HNW personal lines.
- AIG Private Client Group: AIG's branded HNW personal insurance division — comparable in product set and customer segment to PCS, and particularly important because AIG member companies are also PCS's underlying carriers, meaning PCS effectively competes with its own carrier's direct offering.
Direct peers
- PURE Group (Privilege Underwriters Reciprocal Exchange): Member-owned HNW personal lines insurer offering homeowners, auto, umbrella, and valuable articles coverage to high-net-worth households — the same core product set and customer segment PCS targets, and the most direct specialist competitor in the space.
- Berkley One: Berkley One is a digitally enabled HNW personal lines insurer offering homeowners, auto, and umbrella coverage directly and through select producers; a newer, design-forward specialist whose go-to-market and tech-enabled service model closely parallels PCS's positioning.
Others
- Ryan Specialty: Ryan Specialty is PCS's exclusive wholesale distribution partner for US HNW markets; comparable as a distribution and specialty insurance intermediary, though it does not underwrite risk itself and is therefore an ecosystem participant rather than a direct competitor.
Emerging players
- Hagerty: Specialist insurer and ecosystem for collector and enthusiast vehicles — directly comparable to PCS's automobile and collector-vehicle agreed-value offering, though narrower in product scope.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Private Client Select social profiles
Digital presencePrivate Client Select financial estimates
Financial estimateRevenue estimate
Valuation estimate
Private Client Select leadership team
Management profileNumber of profiles
Profiles8 records
Private Client Select funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Private Client Select M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Private Client Select
What does Private Client Select do?
Private Client Select Insurance Services LLC is a licensed property/casualty insurance producer that designs and distributes bespoke personal lines insurance — Homeowners, Automobile, Fine Art & Collectibles, Yacht, and Excess Liability — for high-net-worth and ultra-high-net-worth individuals, families, and family offices across all 50 US states and the District of Columbia. Coverage is underwritten and issued through AIG member companies, distributed via an exclusive wholesale broker arrangement with Ryan Specialty, and supported by Risk Management Services, Family Office Services, dedicated Platinum Advisors, and 24/7 claims handling through Sedgwick.
Is Private Client Select a public or private company?
Private Client Select is a private company. It is classified as corporate owned and is currently operating.
When was Private Client Select founded?
Private Client Select was founded in 2023. It employs 251 to 500 people.
Where is Private Client Select based?
Private Client Select is headquartered in Berkeley Heights, United States, in the North America region.
How does Private Client Select make money?
Two revenue lines are on record. Insurance Premiums are the primary driver. The others are payment Processing Fees.
Who are Private Client Select's main competitors?
Broad incumbents on record are Nationwide Private Client, Travelers Personal Insurance, Chubb Private Risk Services, Cincinnati Financial / Cincinnati Private Client, Liberty Mutual Private Client / Personal Insurance and AIG Private Client Group. Direct peers are PURE Group (Privilege Underwriters Reciprocal Exchange) and Berkley One. Ryan Specialty is listed as an others. Hagerty is listed as an emerging player.
Does Private Client Select have an API?
No public API is recorded for Private Client Select.
What industry is Private Client Select in?
Private Client Select's product category is Personal Lines Insurance. Its primary akta.pro industry code is FSAJANAF, Personal Excess Liability (High-Net-Worth), with a secondary code of HSAKANAI, Claims Handling, Documentation & Dispute Resolution Services. Its NAICS code is 524210 and its SIC code is 6411.