PCRG Insurance is a private client insurance agency serving Bellevue and Seattle from our Kirkland office on the Eastside’s tech corridor. We protect waterfront homes on Lake Washington and Puget Sound, boats moored from Meydenbauer Bay to Shilshole, and the growing wealth of the region’s founders and executives.
High-net-worth households in the Seattle area rarely fit a standard policy. We build coverage around your homes, vessels, collections, and liability exposure, then keep it current as your wealth changes.
Why Bellevue and Seattle Families Choose an Independent Private Client Agency
Wealth in the Seattle area often arrives in a single moment: an IPO, an acquisition, a vesting cliff, or a move to the waterfront. Coverage that fit last year can leave serious gaps the day after a liquidity event.
As an independent agency, we aren’t tied to one carrier. We compare policies from insurers that specialize in high-net-worth and ultra-high-net-worth clients, the carriers built for custom homes, scheduled collections, and high liability limits. That means broader coverage, fewer exclusions, and service designed for complex households.
Being local matters too. Our Kirkland office is a short drive from Downtown Bellevue and just across the SR 520 bridge from Seattle. We know the shoreline on both sides of the lake, the older waterfront homes that have been rebuilt or expanded, and the moorage, marina, and boat lift arrangements common across the region. You’re always welcome to meet with us in person.
Waterfront Home Insurance in Bellevue, Medina, and Seattle
Waterfront living looks different across the region. On the Eastside, it’s lakefront estates in Medina, Hunts Point, Yarrow Point, and Meydenbauer Bay. In Seattle, it’s Lake Washington homes in Laurelhurst, Windermere, Madison Park, and Seward Park, bluff and beachfront properties in Magnolia and West Seattle, and floating homes on Lake Union and Portage Bay. Each carries risks an inland home doesn’t, and many standard homeowners policies limit or exclude them.
We help you put the right protection in place:
- Guaranteed or extended replacement cost, so a custom home can be rebuilt to its original standard even if construction costs exceed your dwelling limit
- Docks, piers, bulkheads, seawalls, and boathouses, covered as other structures at values that reflect waterfront construction
- Floating home insurance, specialized coverage for Lake Union and Portage Bay homes that fit neither a standard homeowners policy nor a boat policy
- Earthquake coverage, including difference in conditions (DIC) policies for higher-value homes
- Landslide and earth movement review for hillside and bluff properties, where standard policies typically exclude this damage
- Water and sewer backup, often excluded or capped on standard policies
- Windstorm and tree damage, common during Puget Sound winter storms
- Additional living expenses, so your family can live comparably while your home is repaired
- Secondary and vacation homes, coordinated under one private client program
Boat and Yacht Insurance for Lake Washington and Puget Sound
Boaters in the region moor everywhere from Meydenbauer Bay and Lake Union to Shilshole Bay, and many head through the Ballard Locks to the San Juan Islands each summer. Your policy’s navigation territory needs to match where you actually go, including saltwater and, for some owners, trips into Canadian waters.
We insure everything from wake boats and runabouts to larger cruising yachts, with attention to:
- Agreed value coverage, so your payout is set in advance rather than depreciated
- Navigation territory covering freshwater, saltwater, and cross-border cruising
- Protection and indemnity (P&I), liability for guest injuries and damage to other vessels, docks, and marinas
- Uninsured boater coverage
- Crew coverage for owners who employ a captain or crew
- Tenders, personal effects, and fishing gear
- Lay-up and storage arrangements for off-season months
Executive and Founder Insurance in Bellevue and Seattle
From South Lake Union to the Eastside tech corridor, founders and executives face exposures that go well beyond a home and a car. A public profile, a board seat, or concentrated equity can make you a target for lawsuits, fraud, and cybercrime.
We help Seattle-area executives protect:
- Personal liability, with umbrella and excess liability limits sized to your net worth and visibility
- Board service, through nonprofit and private company directors and officers (D&O) coverage
- Digital life, with personal cyber insurance for identity theft, cyber extortion, social engineering fraud, and online harassment
- Collections, with valuable articles coverage for fine art, jewelry, watches, and wine, scheduled at appraised value
- Household staff, through workers’ compensation and employment practices liability (EPLI) for nannies, housekeepers, and property managers
- Travel and personal security, including kidnap, ransom, and extortion coverage for families with elevated risk
- Vehicles, from daily drivers to collector cars, with high liability limits
Call a PCRG Insurance Agent Today at (425) 243-5193 for a complimentary Executive Liability Coverage Review.
Private Client Insurance across Bellevue, Seattle, and the Eastside
From our Kirkland office, we serve high-net-worth families throughout the greater Seattle area.
Bellevue and Eastside Neighborhoods We Serve
Downtown Bellevue, West Bellevue, Meydenbauer Bay, Medina, Clyde Hill, Hunts Point, Yarrow Point, Somerset, Newport Shores, Bridle Trails, Lakemont, Mercer Island, Kirkland, Redmond, Sammamish, and Issaquah.
Seattle Neighborhoods We Serve
Downtown Seattle, South Lake Union, Laurelhurst, Windermere, Madison Park, Broadmoor, Denny-Blaine, Madrona, Leschi, Mount Baker, Seward Park, Montlake, Capitol Hill, Queen Anne, Magnolia, Eastlake, Ballard, and West Seattle.
How to Get a Private Client Insurance Quote in Bellevue or Seattle
- Start with a full asset review. We look at your homes, vessels, vehicles, collections, board roles, and household staff together, not one policy at a time.
- Coordinate with your advisors. When helpful, we work alongside your wealth manager, CPA, estate attorney, or family office so coverage fits your broader plan.
- Compare private client carriers. We present options side by side, showing what each covers, where gaps remain, and what it costs.
- Review after every major change. A liquidity event, new property, boat purchase, or board appointment is a signal to revisit your coverage, and we check in at least annually.
Bellevue and Seattle Private Client Insurance FAQs
What Is Private Client Insurance?
Private client insurance is coverage designed for high-net-worth households. It typically offers higher limits, broader protection, fewer exclusions, and more personalized claims service than standard personal insurance, often combining home, auto, umbrella, collections, and watercraft under one program.
Does Homeowners Insurance Cover My Dock?
It depends on the policy. Some homeowners policies include limited coverage for docks and other structures, while others exclude them or cap the amount. We review your policy and recommend added coverage if your dock, boathouse, or lift isn’t fully protected.
Do I Need Earthquake Insurance in Bellevue or Seattle?
Standard homeowners policies in Washington generally don’t cover earthquake damage, and the Puget Sound region has several active fault zones. Many homeowners add earthquake coverage separately, and owners of higher-value homes often use a difference in conditions (DIC) policy for broader protection.
Does Homeowners Insurance Cover Landslides in Seattle?
Standard homeowners policies typically exclude landslides and other earth movement. Some earthquake and DIC policies may cover landslide damage in limited circumstances, such as when an earthquake triggers it. If you own a hillside or bluff property, we’ll review what your coverage does and doesn’t include.
Can I Insure a Floating Home on Lake Union?
Yes. Floating homes need specialized coverage because they don’t fit neatly into a standard homeowners or boat policy. We help Lake Union and Portage Bay owners find policies that cover the structure, moorage, liability, and personal property.
Will My Boat Insurance Cover Trips from Lake Washington to Puget Sound?
Only if your navigation territory includes saltwater. Some policies are written for inland lakes only. Tell us where you take your boat, including any trips into Canadian waters, and we’ll make sure your coverage goes with you.
How Much Umbrella Insurance Does an Executive Need?
There’s no single answer, but a common starting point is a limit that at least matches your net worth, adjusted for your public profile, property, household staff, and board roles. We help you find a limit that fits your situation.
What Is Personal Cyber Insurance?
Personal cyber insurance helps cover losses from identity theft, online fraud, cyber extortion, and data breaches affecting your personal devices and accounts. It’s especially relevant for executives and families with a public presence.
Should I Review My Insurance after an IPO or Acquisition?
Yes. A liquidity event can change your net worth, public visibility, and lifestyle quickly, which often means your liability limits, home coverage, and collections schedule need to be updated.
Where Is PCRG Insurance Located?
Our office is at 720 Sixth Street S, Suite 100, in Kirkland, a short drive from Downtown Bellevue and just across the SR 520 bridge from Seattle. We serve private clients throughout Bellevue, Seattle, and the greater Seattle area, and we’re happy to meet in person.
Schedule a Private Client Coverage Review in Bellevue or Seattle
Tell us what you want to protect, and a PCRG advisor will review your current coverage, show you where the gaps are, and compare options from private client carriers. There’s no cost and no obligation.
If you’ve recently gone through an IPO or acquisition, bought a home on the water, added a boat, or taken a board seat, now is a good time to make sure your coverage has kept pace.