Hanasab Insurance Services

For the ultra-wealthy, assets are often broad and diverse in nature, and their risks are just as varied. From sprawling estates to global investments, their financial portfolios are layered with complexity that few insurance policies can cover.

Hanasab Insurance Services (HIS) has perfected the art of tailoring insurance policies that cater to the distinctive needs of high-net-worth and ultra-high-net-worth individuals, affluent families and high-value real estate investors. Founded by Farhad Hanasab, a seasoned certified advisor of personal insurance (CAPI), the firm sets the standard for white-glove service and innovation in insurance.

A division of Highstreet Insurance Partners, the independent insurance brokerage offers bespoke policies and risk management services to clients through a transparent, hands-on approach. It stands apart by providing coverage that aligns with clients’ personal risk tolerance along with flexible policy structures that allow them to set coverage and risk limits on their own terms.

“Every client has distinct needs. We create insurance programs that integrate perfectly with their lives rather than simply offering standard policies,” says Hanasab, founder and president.

Each policy HIS underwrites ensures the protection of every element in the policyholder’s personal and financial world. Clients benefit from deep expertise and hallmark principles of delivering personalized guidance and discreet, confidential service, while promising superior protection.

The core focus is on protecting clients’ tangible and non-tangible assets, while supporting their long-term goals and lifestyles. Above all, HIS acts as an advisor who listens to clients as much as it guides them.

Personalized Protection for High-Value Assets

High-net-worth individuals have methodically built the lifestyle they lead. HIS takes a similar approach to offer them the best insurance protection in terms of coverage, cost and flexibility of conditions. Its custom policies are designed for clients seeking a broader range of coverage beyond the industry standard.

Luxury residences, fine art and antique collections, jewelry, yachts, aircraft, collectible automobiles, ranch and equine assets, and private staff—all are protected by HIS. The residential properties it insures are in the $50-$100 million range. Property schedules containing multiple properties with a combined value of over $250 million are also covered. Bespoke solutions are offered to cover luxury vacations, travel and wedding events. Coverage for ransom for kidnapping is also available.

The tailor-made policies cover a broad spectrum of property types, including apartment complexes, office buildings, retail centers, manufacturing and service facilities and commercial warehouses. Features often unavailable through standard carriers, such as guaranteed replacement cost, comprehensive ordinance coverage and protection against loss of rental income, are within the reach of HIS’ clients.

Exclusive risk management strategies for loss prevention are also developed by the firm. The goal is to prepare clients for any eventuality in order to minimize impact on their assets and lifestyle.

A Trusted Advisor Who Listens and Delivers

HIS brings a level of attention and care increasingly rare in the digital-first world, where automated interactions define much of the insurance experience. Hanasab and his team personally answer phone calls and schedule one-on-one meetings. While emails and text messages are available channels, the team stays in tune with the demands of many high-net-worth clients who prefer each interaction feels personal.

The team’s core focus lies in building in-person relationships and comprehending client needs before curating solutions. It takes the time to learn what aspects need to be insured.

“The key idea is to listen,” says Hanasab. “We seek to understand the client's life and business to offer products that align with their lifestyle.”

Asking the right questions helps uncover each client’s individual risk tolerance and is crucial for designing policies. Every detail—deductibles, coverages, claim severity thresholds and the policy language—is customized to fit the reality of the client’s world.

Clients looking for diverse coverage across assets often choose a self-insured retention (SIR) limit to insure portions of their risk while relying on coverage only for catastrophic events. HIS specializes in structuring these sophisticated policies, whether through higher deductibles or customized SIR programs that allow clients to participate directly in managing their risk exposure.

Early on in the relationship, the team gains knowledge on who will succeed the client, whether a family member or a key advisor. They proceed to engage with the next generation and the broader circle of influence, including clients’ family offices, attorneys and CPAs. This ensures continuity and a shared understanding of protection across generations.

Referrals continue to flow from these relationships. Satisfied clients introduce HIS to peers who share similar values and lifestyles, creating a network built on trust and transparency.

Deep Experience Driving Tailored Client Protection

For Hanasab, insurance is a partnership with clients. His core belief is that insurance for high-net-worth individuals is less about providing a financial product and more about preserving a lifestyle.

That philosophy shapes every engagement. Clients appreciate his stance of providing them with solutions that cover just what they need, no more or less.

This appeal is reflected in the words of Martin Katz, one of Hanasab’s clients. “Rarely have I met an insurance professional that was more concerned with my true needs and protection than selling me more insurance. Hanasab not only has a very impressive understanding of insurance but also the insurance system.”

Hanasab started his career in the industry at 17, and has since mastered every facet of the field, from personal lines, including home, auto and life insurance, to financial planning and complex commercial coverage. His breadth of expertise makes him a seasoned advisor who understands a client’s world in full and can manage every aspect of their protection.

The HIS team also brings extensive industry experience. The average employee tenure of over 10 years demonstrates consistency and dedication to serving clients and the business.

The team is supported and bolstered by a culture of transparency and empowerment. Hanasab encourages team members to take ownership of their work. Weekly sessions, seminars and active participation in meetings with carriers ensure they remain informed and aligned with the firm’s high standards of service.

Small Enough to Care, Large Enough to Serve

Along with its boutique approach, clients are impressed by the firm’s expansive reach and expertise across global markets. Despite its small size, its network enables HIS to offer a vast range of coverages and specialized programs along with unmatched flexibility in formulating policies.

Contributing to these capabilities is its partnership with Highstreet Insurance Partners, one of the largest brokers in the U.S. A rare combination of boutique service and institutional strength allows HIS to serve clients with precision and scale.

Even when equipped with global perspectives and resources, HIS maintains a strong local focus. It is based in California, where natural disasters and shifting regulations continually reshape the business environment. It stays ahead by diligently modifying its policies in response to changes in risk and coverage needs. Clients can be assured that their policies will always optimally protect their properties, assets and businesses within an unpredictable landscape.

HIS continues to expand its portfolio by developing more specialized insurance programs suited to client specifications, which promise even greater flexibility.

For clients whose wealth, ambitions and lifestyles diverge from the standard path, Hanasab Insurance Services is a trusted partner that evolves with their lives and ensures that every dimension of their world remains secure and uncompromised.