When standard policies stop fitting.
A $2M rebuild. A garage with three cars worth more than most houses. Art, jewelry, wine. At a certain level of asset, standard home and auto policies don't just underinsure you — they misunderstand you. Private client insurance is built differently.
Wealth concentrates risk. Standard policies dilute coverage.
Standard policies cap jewelry, art, and collections at numbers that made sense in 1995. They value luxury cars on depreciation tables. They treat a custom-built home like a subdivision clone. Every one of those assumptions costs a high-net-worth family at claim time.
Private client programs — through insurers like Chubb and other high-value specialists I access via Aaxel — are built on agreed values, broader wordings, and claims service that treats you like the client you are. If your assets have outgrown standard insurance, let's talk.
What's covered
Every risk is different, so every policy is built — not pulled off a shelf. Here's what a private client program typically includes:
High-value home
Rebuild values done by specialist appraisers, with extended and guaranteed replacement options.
Luxury & collector auto
Agreed value on the cars that matter — no depreciation-table insults at claim time.
Collections & valuables
Art, jewelry, watches, wine — scheduled properly, covered worldwide.
Umbrella liability
$5M–$10M+ excess liability over home and auto — because lawsuits scale with net worth.
Domestic staff & premises
Liability covering household employees and the full estate footprint.
One advisor, whole picture
Home, auto, valuables, umbrella, and your commercial interests coordinated by one broker.
How it works
Ten minutes on the phone. What you run, what you own, what keeps you up at night. No forms, no phone trees.
I take your file to 60+ insurers and specialty markets through Aaxel and make them compete for your business.
Clear options, straight numbers, coverage that actually fits. You decide — I handle the paperwork.
Private client coverage in the GTA
From Mississauga's established neighbourhoods to Toronto's premium postal codes and estate properties across the GTA — I work with successful families whose insurance needs have outgrown the standard market. Discreet, precise, and handled personally.
Questions, answered
What counts as 'private client' insurance?
Generally households with high rebuild values ($1M+), luxury or collector vehicles, and significant valuables or collections. If standard policy sub-limits feel absurd next to what you own, you're the client this is for.
Which insurers write private client business?
Specialists like Chubb and other high-value markets, accessed through Aaxel's brokerage relationships. These insurers compete on coverage breadth and claims service, not just price.
Can you cover everything — home, cars, business — in one place?
Yes, and that's the point. One broker coordinating your personal and commercial programs means no gaps between them and one call when anything happens.
How do I get a quote?
Call or text me at 226-543-1313, or email sukhman.buttar@aaxelinsurance.com. Tell me what you need covered and I'll shop it across 60+ insurers and specialty markets — most quotes come back within one business day.
What areas do you serve?
I'm based in Mississauga and work with clients across the GTA and all of Ontario. Through Aaxel Insurance Brokers Ltd., coverage can also be placed in Alberta, British Columbia, and Nova Scotia.