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NavSav Private Client

Your lifestyle Secured.

Tailored protection for your unique needs

Insurance is not a mere commodity; it’s your crucial protection contract. NavSav Private Client services, we tailor your coverage to your specific needs, our agents prioritize your unique circumstances and aligned them with our exclusive network of top-tier insurance carriers.

Today, many individuals opt for online insurance purchases or rely on agents who lack the personal touch and understanding of their needs. Without up-to-date coverage, they may face disappointment when filing a claim. At NavSav Private Client, we’ve revolutionized the insurance experience. We offer expert, hands-on client relations. With decades of experience and independent access to leading insurance providers, we ensure that you always have local experts and trusted friends right by your side.

We maintain offices in La Quinta, California, and Scottsdale, Arizona, with accessible real-life experts available 24/7. We hold licenses to operate in nearly all states, enabling us to seamlessly protect families with multiple homes. When you have a claim, we’re here to guide you. Regardless of your location, we want you to know we are available.

With years of experience in personal and commercial insurance lines at the nation’s premier brokers, our expert team is fully equipped to support you.

Trusted Partners

As an independent agency, we have access to multiple high-quality insurance carriers.
This means you receive insurance solutions tailored to your needs, not one-size-fits-all policies.

Valued Carrier Partners

We proudly partner with Pure and Chubb as our valued carrier partners for high-value propositions, ensuring your protection is in the hands of industry leaders.

Client-Centric Approach

We treat our clients as friends, ensuring that we stay on top of changes that could impact their insurance.
Local Experts, Trusted Partners – Your Lifestyle Secured.

Our Process

Listening

We start by listening to your unique situation and assessing your significant risk exposures.

Proposing & Implementing

Leveraging our years of expertise and independent access to top-quality carriers, we create a customized insurance solution for you.

Monitoring & Adjusting

We continuously monitor your situation and the evolving insurance landscape. We make adjustments as needed to benefit you. Our commitment is to provide exceptional service.

Insurance Solutions Tailored to Your Needs:

Commercial Insurance & Workers' Compensation

Professional Liability

Basic Auto & Homeowners

Private Client Services

Health Insurance

Personal Insurance

Quality Products for You and Your Family:

• Auto Insurance
• Homeowners Insurance
• Umbrella Insurance
• Second Homes
• Personal Rental Property
• Aircraft/Watercraft Insurance
• Private Client Services
• Individual Health Insurance
• Medicare Supplements

Business Insurance

Tailored Coverage for Businesses:

• Commercial Property
• General Liability
• Business Auto
• Workers Compensation
• Construction/Builder’s Risk
• Group Health
• Professional Insurance

Why Financial Professionals Choose NavSav Private Client

The financial advisory landscape has shifted from transactional to relationship-based, where clients expect a central advisor to lead a team in providing comprehensive planning and advice. As the quarterback, clients don’t want to hear “it’s not my job” regarding property and casualty insurance. If you’re part of the team (accountant, lawyer, real estate agent, mortgage broker, fiduciary, etc.), you encounter client risk issues daily.

The very real risk of devastating lawsuits directed at affluent clients with substantial assets is often underestimated.
Analyzing property and casualty risks for high net worth individuals and businesses involves more than just limits and deductibles. It goes beyond insurance to include mitigating lawsuit risks by modifying activities and structuring protective legal entities.

Here's a checklist of client types that likely have non-routine insurance needs:

  • Primary residence value exceeding $500k and/or featuring unique elements
  • Net worth exceeding $2 million
  • Ownership of two or more homes
  • Assets held in trusts, LLCs, or estate planning vehicles
  • Lifestyle involving extensive travel, valuable assets, yachts, or personal aircraft
  • Employment of domestic help
  • Board membership in non-profit organizations
  • Inclusion of adult children on auto policies
  • Professionals with E&O or malpractice exposure
  • Business owners

Financial advisors, lawyers, accountants, and real estate professionals lack the time and licensing to become insurance experts. The solution is to explicitly address your clients’ liability risk and partner with a trusted property and casualty insurance expert like NavSav Private Client.

Why Partner with NavSav Private Client?

As an independent agency, we have access to multiple high-quality insurance carriers.
This means you receive insurance solutions tailored to your needs, not one-size-fits-all policies.

Independence

Endorsed by multiple major high net worth and commercial carriers, we avoid forcing a square peg into a round hole, unlike captive agencies.

Experience

Our staff are among the most qualified experts in high net worth personal lines. While large brokers may have insurance experts, their focus is primarily on large commercial accounts.

Coordination

We keep you informed at every step, enhancing your standing with existing clients and giving you a competitive edge in acquiring new ones.

Non-Compete

Unlike other agencies, we do not sell savings or accumulation products. We have no exclusive relationships with specific financial advisors. We don’t offer legal, accounting, or real estate services. Your client relationship remains respected and uncompromised.

How We Collaborate with Financial Professionals

During an initial meeting, periodic review, or transaction-related discussion, you can raise the issue of property and casualty exposures with your clients by asking three key questions:

  • Is your insurance agent an independent expert?
  • Are you satisfied with the level of contact and general service from your insurance agent?
  • Are you confident that your personal assets are fully protected from significant auto, homeowner, business, or professional lawsuits?

If the answer is uncertain or negative, you can refer the client directly to Carrie or collect policy declaration pages yourself. While you can briefly assess limits, don’t assume everything is in order. Instead, submit them to us for a free one-page analysis, where we’ll identify any potential issues. We can send this analysis to you or review it directly with your client.

Is your Home value over $1 million?

If so, you may qualify for better insurance features from NavSav Private Client.

Better Contract Terms

  • Cash settlement options rather than lower quality forced rebuilds

  • Replacement rebuilds even if up to 100% over limits

  • Agreed value on autos…no adjustment for depreciation

  • Defense cost outside limit…so total limit is available for lawsuit settlements

  • Fewer exclusions and generous sublimits

Better Coverage

  • High-risk protection options (wildfire, flood, earthquake)

  • High limit umbrella options

  • Original equipment parts for autos

  • Worldwide car rental coverage

  • Generous temporary living and rental car allowance

  • Options to cover non-profit directors, domestic employees, and cyber losses

Better Service

  • A professional independent broker to advise you

  • On-site appraisals to ensure proper limits

  • Private firefighters prepared to foam your house

  • Helpful claims advocates and quality legal defense team

  • Over 90% claims satisfaction

Contact us and learn what NavSav Private Client can do for you!​

NavSav Private Client is comprised of a team of experts who know the California/Arizona desert because we live here. Whether you’re looking for homeowners, automobile, or other insurance solutions in California (Palm Springs, Rancho Mirage, Palm Desert, Indian Wells, La Quinta), Arizona (Phoenix, Scottsdale), or places in between, get in touch with us and find out why we’re the right choice for you.

Desert_Insurance_Logo

Welcome to NavSav Private Client.
Formerly Known as
Desert Insurance Solutions

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