Berkley One is a personal insurance business serving high-net-worth individuals and families in the United States. It was launched in 2017 as a dedicated unit of W. R. Berkley Corporation, a Fortune 500 commercial insurance holding company founded in 1967 and listed on the New York Stock Exchange.
Berkley One writes coverage designed for clients whose homes, vehicles, and possessions exceed the limits and service levels of standard personal lines insurance. Its products include high-value homeowners insurance, automobile coverage tailored to collector and luxury vehicles, fine art, jewelry, and collectibles coverage, watercraft insurance, excess liability (umbrella) protection, and coverage for recreational vehicles. Policies can be bundled and customized, and the company emphasizes flexible cash settlement options and dedicated claims professionals.
The business distributes exclusively through independent insurance agents and brokers rather than selling direct, in keeping with the specialty distribution model of its parent. Since launch it has expanded state by state and now operates across a large share of the US market, targeting what it terms modern affluent clients.
Alongside insurance products, Berkley One provides risk management services such as home assessments, wildfire and water-damage mitigation guidance, and collections advisory support. The financial strength of policies is backed by W. R. Berkley Corporation member insurance companies, which carry strong ratings from the major agencies.