Private Client Select Insurance Services, LLC
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
No formal public underwriting or appetite guide is currently posted by Private Client Select Insurance Services, LLC (PCS). Available information indicates PCS operates as a managing general underwriter/agency focused on high‑net‑worth and ultra‑high‑net‑worth personal lines across all U.S. states and DC. Preferred / target business - High‑net‑worth and ultra‑high‑net‑worth individuals and family offices needing bespoke personal P&C programs, including home, auto, collections, yacht, and excess liability. ([privateclientselect.com](https://www.privateclientselect.com/?utm_source=openai)) - High‑value homes and collections (fine art and collectibles) and larger yachts are clearly in appetite, along with significant excess liability limits. ([privateclientselect.com](https://www.privateclientselect.com/coverage?utm_source=openai)) - Complex risk profiles with multiple residences, domestic staff, coastal exposures, and international travel/asset footprints are implied focus given PCS’s role as AIG’s high‑net‑worth MGA. ([mynewmarkets.com](https://www.mynewmarkets.com/listings/719uvd?utm_source=openai)) Restricted / declined classes (inferred only) - PCS does not publicly list specific declined classes. As a high‑net‑worth platform, standard or mass‑market personal lines risks without substantial asset bases, as well as non‑personal/ commercial lines, are likely outside appetite. - Coverage is noted as subject to underwriting review and not available in all jurisdictions despite PCS being licensed/authorized in all U.S. states and DC. ([privateclientselect.com](https://www.privateclientselect.com/?utm_source=openai)) Geographic notes - PCS is described as licensed/authorized in all U.S. states and the District of Columbia, serving high‑net‑worth personal lines throughout the U.S. ([privateclientselect.com](https://www.privateclientselect.com/?utm_source=openai)) - AIG financial disclosures describe PCS as the U.S. high‑net‑worth distribution/underwriting platform for auto, homeowners, umbrella, yacht, fine art, and collections. ([fortune.com](https://www.fortune.com/company-assets/1676/quartr/annual-report-10-k-d0eba-2026-02-12-04-40-46.pdf?utm_source=openai)) Distribution and submission notes for brokers - PCS is positioned as an MGA/MGU that works through brokers and offers a dedicated PCS Broker Portal; brokers must be appointed/authorized to access and place business. ([privateclientselect.com](https://www.privateclientselect.com/?utm_source=openai)) - Ryan Specialty has an exclusive wholesale distribution partnership with PCS for excess and surplus (E&S) high‑ and ultra‑high‑net‑worth markets nationwide. Retail agents seeking E&S placements are expected to access PCS via the Ryan Specialty distribution network rather than directly. ([reinsurancene.ws](https://www.reinsurancene.ws/ryan-specialty-and-private-client-select-launch-excess-surplus-lines-distribution-partnership/?utm_source=openai)) Submission / operational expectations (publicly visible, high level) - PCS communicates that insurance coverage is always subject to underwriting review and approval, and availability can vary by jurisdiction; no specific threshold guidelines, COPE requirements, or eligibility grids are publicly shared. ([privateclientselect.com](https://www.privateclientselect.com/?utm_source=openai)) - Claims for PCS‑placed personal lines policies are supported through AIG’s Private Client Select claims channel (with published FNOL phone, fax, and email contacts), suggesting that policy and loss handling follow AIG high‑net‑worth standards and documentation expectations. ([aig.com](https://www.aig.com/home/claims/report-a-claim/personal-lines-private-client-group?utm_source=openai)) Broker / producer instructions (public) - PCS highlights a broker‑centric value proposition, emphasizing risk management services, family office coordination, and a broker portal to empower partners, but does not publish detailed underwriting workflows, document checklists, or appetite grids. ([privateclientselect.com](https://www.privateclientselect.com/?utm_source=openai)) Net result: from publicly available, official sources, PCS discloses its product scope (home, auto, fine art/collections, yacht, excess liability), national licensing, and high‑net‑worth focus but does not provide granular underwriting criteria. Retail brokers should work through their PCS relationship manager, the PCS Broker Portal, or, for E&S placements, through Ryan Specialty for current, detailed appetite and submission requirements.