High Net Worth Insurance

SME Insurance

High Net Worth Insurance

High Net Worth Insurance is the name for insurance products which are designed to cater for those who are often trading valuable assets – for example: high value homes and possessions, such as prestigious and luxury vehicles, high value antiques, jewellery and collections, overseas property and those who travel a lot for business or personal purposes.

High net worth insurance is also ideal for people with high profile occupations such as sports people, actors, singers and other people in the public eye who may require more unique levels of protection than would be covered by a general insurance policy.

As high net worth insurance comprises a number of different risks which require greater levels of cover and discretion due to the increased risks involved from going to events and owning an expensive house and car, it is important to choose the right insurance broker to assist you with putting together the insurance solutions which are appropriate for your circumstances. Our company offer a highly personalised and experienced service through our private clients specialist team, offering the highest level of care and discretion every step of the way.

High Net Worth Policies for Insurance

Many standard insurance brokers will only cover each individual up to a certain amount, with higher value items often either not fully covered, or not covered at all within their policies. The limits as to what can be paid out for specified items is often falling far short of the value of the items included with high net worth, leaving you with expenses.

Why Choose Erskine Murray

Our private insurance team are highly experienced in handling high net worth insurance enquiries, working with a wide range of insurance partners and underwriters in order to offer a completely tailored package for our clients.

We treat all our clients as individuals, offering the help and assistance required to create the best bespoke insurance packages for our high net worth clients. Speak to one of our team today for more information on high net worth insurance.

SME Insurance by Sector


Cyber attacks are a rapidly growing, see how we ensure you are protected. 

Directors’ and Officers’

Often referred to ad 'D&O', this policy is designed to defend individuals against damaging claims.

Shops and Offices

From office blocks and home offices to hairdressers, florists and newsagents, we cover the entire scope of this sector.  

Commercial Property Owners

For property owners, investors or developers, single property to portfolio's, we have the solution.

Residential Property Owners

For property owners, landlords and associations, we deliver a policy that covers all related risks.


One policy for fleets of all sizes. Our online platform compares insurers within minutes, so you know you have the right cover.

Professional Indemnity

Often referred to as 'PI', a profession-based risk management package.


Our package covers every single trade. Simple, effective and delivered by the same or following working day.

Motor Trade

For dealerships, mechanics, valeters, bodyshops and everything in-between, we've got you covered.


Including buildings, contents, liability, unoccupied and rental protection.

Golf Course

Golf courses possess specific risks which specialised golf course insurance can help protect you against.


Whether you are a small independent bakery, or a larger chain, it is vital you consider your level of business insurance.

IT Contractors

From basic repairs and builds through to emergency cover, your clients call on you for your expert knowledge and skill.

Coffee Shop

There are many risks associated with not only running a successful business, but in serving hot drinks and food to the public.


Professional indemnity insurance is an important policy, as you are offering professional services to other people & businesses.


Your clients call on you for your expertise, knowledge and skill, whether you are a quantity or land surveyor.

Business Interruption Insurance

Business Interruption insurance, also known as BI, is a much-misunderstood cover which can often be overlooked by small business owners.

Wholesalers Insurance

Erskine Murray can help wholesalers to find the appropriate insurance to manage the risks to your industry and provide the right protection for your business needs.

Tech Start Up Insurance

Here at Erskine Murray, we make it easier for you to cover and protect your business with several appropriate policies packaged together.

Media Professionals Insurance

The media and marketing industries can be vulnerable to claims of negligence for what are in fact basic errors.

Graphic Designer Insurance

As the risks can be fairly wide ranging, there are lots of appropriate insurance policies which can be useful for graphic designers.

Civil Engineering Insurance

At Erskine Murray we understand the many risks associated with those involved with working at height, extreme depth and working with asbestos.

Business Owners Policy Insurance

An enhanced business insurance policy which combines property insurance alongside general liability insurance.

Contractors All Risk Insurance

Whilst all construction sites are different, there are still common risks and threats shared by them all.

Who do I


If you would like to talk more about your SME Insurance needs please contact Rob.

Rob Marshall

Head of SME

Who do I


Rob Marshall

Head of SME

Employee Benefits

Have you considered an Employee Benefits package? Such a policy can help you attract and retain a highly skilled and dedicated workforce.

Professional Indemnity

Our PI arm are specialists in providing PI insurance for architects, consulting engineers and the construction industry.