High Net Worth Insurance
for Florida's Most Valuable
Assets
Sophisticated protection for high-value assets and complex personal risk.
We design tailored insurance solutions for successful individuals and families with unique exposures, high-value assets, and evolving lifestyles across Florida and nationwide.
Comprehensive Solutions for Your Lifestyle
Specialized coverage for what matters most—today and tomorrow.
High Value Homeowners
Customized protection for exceptional homes, coastal estates, and secondary residences with unique architectural features, hurricane proofing, and higher rebuild costs.
Flood & Excess Flood
Enhanced flood protection for high-value properties in coastal and vulnerable areas, providing limits well beyond standard National Flood Insurance Program thresholds.
Builder's Risk
Specialized coverage for major custom construction, luxury architectural renovations, raw materials, and contractor liability.
Automobiles & Classic Cars
Specialized coverage for luxury, exotic, daily drivers, and Classic Cars with agreed value options, original replacement parts, and white-glove claims support.
Jewelry, Artwork & Collectibles
Comprehensive worldwide protection for your most cherished possessions, including fine art, jewelry, watch collections, wine cellars, and collectibles with zero deductible.
Private Aviation
Bespoke hull, liability, passenger, and hangar coverage for privately-owned jets, turboprops, and managed aviation fleets.
Yacht & Watercraft
Tailored coverage for luxury yachts, sportfishing vessels, catamarans, and tenders, with protection for hull, crew liability, and global navigation limits.
General Liability
Comprehensive personal and estate premises liability protection safeguarding high-net-worth individuals and family trusts.
Personal Umbrella
Additional multi-million dollar excess liability protection to safeguard your family's personal assets and global lifestyle from catastrophic lawsuits.
A Holistic Approach
to Personal Risk
The Gottzmann Insurance Group specializes in working with high net worth individuals. We perform a complete and detailed analysis of our clients various complex personal lines accounts. We continually monitor our clients coverage to ensure that any and all market developments and / or asset portfolio changes are taken into account and coverage is modified accordingly.
In designing customized personal risk management programs for those in our Private Client Group, we use only A-rated carriers. Please contact us at 877-761-8262 for a complimentary review of your current personal insurance portfolio.
Why Discerning Families Choose Gottzmann
One unified program covering your Florida waterfront residence, New York or Colorado vacation home, and out-of-state entities.
Direct personal advocacy during claims, expediting emergency mitigation and full replacement settlements with zero hassle.
Engineered risk reviews evaluating hurricane shutters, roof age, elevations, and private excess flood availability.
We coordinate directly with your wealth managers, family office directors, CPA, and estate attorneys.