HNW & Family Office

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Family offices often oversee a broad spectrum of assets — from property and investments to art, philanthropy, and private aviation — all requiring carefully structured insurance. Managing this through multiple providers can lead to duplication, inconsistent cover, and growing administrative complexity. Premiums have risen across several areas, while broker remuneration is often difficult to track, particularly for bespoke or bundled placements.

KCB Consultancy helps family offices improve transparency across their insurance arrangements, offering independent insight to simplify procurement and provide greater clarity around broker earnings.

Owners of high-value homes, estates, and residential portfolios face rising insurance costs due to inflation in rebuild values, specialist materials, and increased underwriting scrutiny. From listed buildings to modern smart homes, many policies are placed in niche markets with limited visibility around pricing structures and high broker commissions.

KCB Consultancy supports HNW clients by helping them navigate the complexities of property insurance and explore more efficient, well-structured approaches without offering regulated advice.

Luxury, performance, and classic vehicles require tailored insurance that reflects value, usage, and storage. Premiums for high-value fleets continue to rise, driven by increased theft claims, repair costs, and limited parts availability. Policies often carry significant broker earnings, particularly where agreed-value cover or prestige placement is involved.

KCB Consultancy provides independent support to help vehicle owners gain a clearer understanding of their fleet insurance spend and structure, promoting transparency and greater control.

Elite athletes and sports professionals often require specialist insurance across multiple areas — including high-value homes, performance vehicles, personal injury protection, and career-ending cover. The complexity of their risk profile, combined with international travel, sponsorship obligations, and income protection, can lead to fragmented arrangements and rising costs. Premiums in this space are increasing, and policies are frequently placed through niche brokers with limited transparency around commission structures.

KCB Consultancy works with sports professionals to help them better understand their insurance landscape, providing clarity around procurement and broker earnings without offering regulated advice.