Exotic & Collector Car Insurance for Clients Who Expect More


Prestige Private Risk provides concierge‑level insurance solutions for exotic, collector, and investment‑grade vehicles. We work with leading specialty carriers—including dedicated collector insurers—to deliver agreed value coverage, flexible usage options, expert claims handling, and tailored underwriting built for high‑net‑worth clients.


What We Insure

Exotic & Collector Car


Your vehicles aren’t daily drivers—they’re passion assets, investments, and pieces of automotive art. Unlike standard auto insurance, which pays depreciated value and isn’t designed for collectible assets, specialist policies provide agreed value payouts, expert repair options, and protection aligned to how collectors actually use their cars.


Our specialty policies include:

  • Agreed Value Coverage (no depreciation, full insured value paid in a total loss)
  • Flexible, pleasure‑use driving (no fixed mileage restrictions with certain carriers)
  • Expert claims handling with adjusters experienced in collector vehicle repair and OEM parts sourcing
  • Instant new‑purchase coverage up to $50,000 with certain programs
  • Coverage for restorations, spare parts, memorabilia, tools, and transport

Types of vehicles we insure:

  • Modern exotic and supercars
  • Collector luxury models
  • Classic cars
  • Modified & high‑performance vehicles


Car Condo & Collector Storage


High‑net‑worth collectors often store vehicles in car condos, private garages, or specialty facilities. These environments require coverage not only for the vehicle, but also for the build‑out, lifts, improvements, tools, and stored accessories.


We provide coverage aligned to:

  • Unit interior buildouts
  • Lifts, equipment, and improvements
  • Property & liability
  • HOA/association insurance requirements
  • Stored vehicle equipment, tools, and spares


Many specialty carriers also include spare parts coverage and storage eligibility considerations, helping ensure your vehicles and the facility meet underwriting best practices.


Track Day & HPDE

Track‑driven cars require a different level of understanding and protection. Traditional auto insurance excludes damage on a track, but we offer access to specialty programs covering:



  • HPDE / non‑timed track‑day physical damage
  • Professional and enthusiast events
  • Transport to and from the track
  • Paddock and temporary storage
  • Performance modifications & aftermarket upgrades


Specialty carriers insure racing and track‑only models, as well as modified vehicles with significant performance enhancements—coverage not offered by standard auto insurers.


Why Prestige Private Risk


Specialists in Exotic, Collector & High‑Performance Risk

High‑value automotive insurance requires expertise. Our agency is built specifically for collectors who need:

- Experienced underwriting guidance

- Access to multiple specialty carriers (ex: collector‑exclusive markets, HNW carriers, and boutique programs)

- Fast COIs and same‑day additions for new acquisitions

- Private‑client level support with proactive renewals

- Claims advocacy trained in specialty automotive repair standards


Specialty carriers tailoring policies to collector and exotic vehicles and their unique usage patterns. We leverage this specialty market—along with additional carriers—to ensure you always receive best‑fit coverage, not one‑size‑fits‑all insurance




About Prestige Private Risk


At Prestige Private Risk, we built an agency around what we truly love—cars, craftsmanship, performance, and the culture that brings collectors together. As lifelong car enthusiasts and collectors ourselves, we understand firsthand the pride, passion, and investment behind every vehicle. These aren’t just assets. They’re stories, memories, engineering excellence, and pieces of personal history worth protecting the right way.


With over 20 years of experience in the high‑net‑worth private risk management space, we’ve spent our careers advising successful families, entrepreneurs, and individuals on how to protect the things they value most. We’ve handled complex households, multi‑state collections, titled entities, specialty storage, and unique exposures that simply don’t fit into a standard insurance mold.


Over the years, we saw a gap in the market:
Collectors didn’t just need insurance—they needed expertise, options, and a partner who speaks their language.


So, we launched Prestige Private Risk with a clear mission:
To give fellow car enthusiasts and collectors access to multiple specialty insurance companies, individualized guidance, and coverage that is actually designed for how these vehicles are owned, stored, and driven.


Today, we operate as a boutique, independent agency dedicated exclusively to:

Exotic & collector vehicles

Car condos and private garages

Track-day and HPDE enthusiasts


Our role is to serve as your advocate—helping you structure the right protection, avoid common gaps, and ensure your coverage always matches the value, usage, and purpose of your collection.


Because at Prestige Private Risk, we don’t just insure collector cars.
We collect them, drive them, enjoy them—and protect them as if they were our own.


Getting Started is Easy:

Step One

Meet With Us

We take a comprehensive look at your world, uncovering exposures that standard coverage often overlooks.

Step Two

Custom Planning

Your strategy is tailored to your lifestyle and assets, built to close gaps and reduce uncertainty.

Step Three

You Protected

With your plan in place, you can live, build, and grow with confidence knowing your wealth and legacy are secure.

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