This September, investment manager Jeffrey Gundlach had $10 million worth of art stolen from his Santa Monica (CA) home. Gundlach’s collection was eventually recovered. Nonetheless, this incident brings to light an unwavering truth about high-net-worth clients: They require a myriad of insurance coverages including equine mortality, kidnap and ransom, excess flood, yacht and, of course, art. In other words, the affluent marketplace is best sold as a package.