High-net-worth insurance solutions for South Carolina private clients

Elite Coverage for Unique Needs

Protecting your lifestyle, not just your assets
Affluent families need more than off-the-shelf insurance. The Sullivan Agency curates private client insurance across Greenville, Spartanburg, Anderson, and the Golden Strip—aligning policies for primary homes, vacation properties, luxury autos, and liability into one coordinated program. From custom construction in the Cliffs communities to in-town residences near Main Street, we tailor limits, terms, and service to how you live.

Coverages We Coordinate

High value, high touch—done right

Black silhouette of a house and a person.

High-value homeowners with extended replacement cost, cash-out options, and elevated sub-limits

Black and white illustration of a vintage car.

Luxury and collector autos with agreed value and OEM parts provisions

Black necklace on a stand and black earrings.

valuable items insurance for jewelry, fine art, wine, and collections—often worldwide and zero deductible

Black umbrella over a shield with a checkmark.

personal umbrella insurance and excess liability to $5M, $10M, or higher, with excess UM/UIM when available

A house is partially submerged in water, symbolizing a flood.

Private flood and specialty catastrophe options for coastal or lakeside homes

We’ll map your portfolio for gaps and build a unified renewal calendar with proactive reviews.

Personal Service & Discretion

One point of contact, on your schedule

Expect white-glove coordination, quick certificates for household staff or contractors, and claim advocacy when events escalate. Your privacy matters—we keep details confidential and move swiftly when timelines are tight.

Common questions from private clients

  • What’s different about high-value home policies?

    Broader coverage forms, higher sub-limits (jewelry, contents off-premises), and options like cash-out if you choose not to rebuild—plus access to preferred contractors.

  • Do I need a separate valuables policy?

    If items exceed home policy sub-limits, valuable items insurance schedules them for their true value and broader causes of loss.

  • How much excess liability should I carry?

    It depends on assets, household drivers, and public exposure. Many clients start at $5M and adjust upward with growth or added properties.