Top agents, brokers and insurance companies working with high net worth clients recognize the Certified Personal Risk Manager Program (CPRM) as the leading designation for professionals providing insurance and risk management services to this clientele.​

The high net worth niche is lucrative and growing. Develop the skills you need to keep up with the world’s movers and shakers in this fascinating area of insurance and risk management. How? With CPRM!

What makes the CPRM Program so unique?

The National Alliance developed this program in concert with the Council for Insuring Private Clients (CIPC), resulting in a powerful curriculum that furnishes just the right combination of risk management, technical information, and account development.  You can begin to transform your career with CPRM. This first-of-its-kind high-level program is supported by top carriers from across the nation.

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CPRM Courses

Personal Risk Managers structure insurance and risk management programs to protect the unique lifestyle of their high net worth clients.

Thoroughly protecting the lifestyle of the affluent and high net worth client by insurance and risk management is the focus of this course. Learn to evaluate the often specialized coverage needs and gather the necessary information used by insurance companies to insure and risk manage these lifestyle exposures.

Topics Included:

  • Marine: Yachts, Seaworthiness, Captain and Crew, and more
  • Aviation: Ownership and Usage Arrangements, Policy Warranties, Coverage Enhancements, Drones, and more
  • Kidnap & Ransom/Travel: Exposures and Control Methods Specific to Kidnap and Ransom, Kidnap Expense Coverage Provided by a High Net Worth Homeowners Policy, Expenses Covered and Services Provided by a Stand-Alone Kidnap and Ransom Policy, Risk Control Methods Specific to Travel, Coverage and Services Provided by Travel Insurance, and more
  • Employment of Domestic Employees: Employment Practices Exposures, Pre-Employment, Employment, and Post-Employment Risk Control Methods, Comparison of High Net Worth Umbrella/Excess Policy EPL Endorsement to a Stand-Alone EPL Policy, EPL Reporting Requirements, Workers Compensation Coverage Provided by a Homeowners Policy, Understand 3.A.and 3.C. in a Workers Compensation Policy, and more
  • Farm, Ranch and Equine: Determine when an Activity is Incidental or a Business, Identify and Analyze Farm and Ranch Exposures, Equine Activities Including Riding/Training/Boarding/Breeding, Farm Property Covered Under Farm Personal Property or Additional Farm Structures, Animal Mortality, Risk Control Methods, and more
  • Business Exposures: Determine when a Business Exposure Should Insured on a Commercial Policy, Identify and Analyze Uses of Homes and Premises By High Net Worth Clients That Create a Business Exposure, Limitations in the Homeowners Policy for Business Property and Liability Exposure, Coverage Provided by Endorsements to a High Net Worth Homeowners Policy, Risk Control for the Business Exposure, and more



Gain valuable knowledge of the high net worth market and how to better serve your affluent and high net worth clients as their Personal Risk Manager. 

Learn the steps of the risk management process for affluent and high net worth clients and the importance of incorporating risk management when structuring their insurance programs.

Topics Covered:

    • Introduction to the High Net Worth and Affluent Market

Learn how the source of clients’ wealth, complex planning needs, and loss exposures created by family and lifestyle issues increase clients’ exposures to loss. This course teaches you the skills Personal Risk Managers need and the benefits they provide to affluent and high net worth clients. You will also cement your understanding of the importance of confidentiality and communication, the benefits of Total Account Approach, and more.

    • The Risk Management Process

Steps In The Risk Management Process, Various Tools And Methods Used To Identify Clients’ Exposures To Loss, Analyze And Prioritize Identified Exposures Based On Frequency And Severity, Risk Control (Mitigation) Techniques, and more.

    • Risk Management – Application to Property and Liability

Identification, Analysis and Control of:

Property Exposures: Homes, Other Structures and Other Real Property, Personal Property, Collections, Automobiles, and more.

Liability Exposures: Premises, Automobile, Personal Injury, and more.

    • Risk Management – Application to Lifestyle

Identification, Analysis and Control of:

Reasons Clients Employ Domestic Staff, Security/Financial/EPL/Statutory Risks Associated with Employing Domestics, Risk Control Methods, and more.

Media Profile, Travel, Kidnap Ransom, Philanthropy, Passions Including Animals and Extreme Sporting, Children, and more.

    • Risk Management – Application to CAT Exposures

Identification, Analysis and Control of:

Flood, Hurricane, Tornado, Earthquake, Earth Movement and Wildfire; and Application of Residential Loss Control.

    • Emergency Preparedness

Application to High Net Worth Clients, Planning, Assessing Vulnerability of Threats, Insurance Company Role in Disaster Planning, and more.



Learn how to develop and sustain a high net worth client division with effective relationship management.

This course will help you to understand the complexities of serving high net worth clients. Develop a first-class affluent and high net worth personal lines division within an agency and feel confident with the added value that knowledge and expertise provide for complex personal lines accounts.

Topics Included:

  • Client Stewardship
  • The Claims Process
  • Effective Insurance Practice—Serving the High Net Worth Client
  • Managing Your Book of Business: Commitment and Confidentiality
  • Mitigation and Managing the Claim Process
  • Development of an Affluent and High Net Worth Division
  • Admitted vs. Non Admitted (Standard vs. Surplus Lines)
  • E&S and International Coverage
  • Panel Discussion—Markets; Dealing with the Client



Affluent and high net worth clients have complex needs and may not be aware of the risks and exposures they face.  Learn to apply risk management tools and diagnostic skills to create a comprehensive risk management and insurance programs for these clients with sophisticated lifestyles.

This course is an analysis of primary personal lines policies available for insuring the complex lifestyle of the affluent and high net worth client. You will learn to explain and apply the differences in key coverage areas between standard policies and various policies designed specifically for these clients.


  • Property Coverage Differences – Residential
  • Property Coverage Differences – Collections
  • Property Coverage Differences – Automobiles
  • Liability Coverage Differences – Primary Liability Residential
  • Liability Coverage Differences – Automobile
  • Liability Coverage Differences – Excess Liability Coverage
  • Special Event Coverage for the Affluent or High Net Worth Client



*This course does not provide CE credit.

Communicate with your high-profile clients—learn the process of selling and delivering sharp proposals that high net worth clients expect.

This workshop-style, hands-on session helps you to understand both the broker side and the company side of serving these clients. Successful role play is a part of the course and is a great way to polish your skills and test your knowledge.

Topics Included:

  • Preparing To Win The Business
  • The Client Buying Decision Process
  • The Process of Selling: The Diagnostic Appointment
  • Advanced Client Communication
  • A Practical Approach – Presentation and Referrals


Instructor-Led Online

In-Person Classroom

Sharpen your edge and stand out from the crowd.

Earning the Designation

Take the five CPRM courses and pass the corresponding exams within five calendar years after you pass your first CPRM exam.

Earning Multiple Designations

A CPRM can achieve the CIC designation by completing any four CIC courses plus one CPRM course. This option allows you to earn both designations by completing only nine courses—the four CIC courses of your choice, plus all five CPRM courses.

Keeping Your Designation

After receiving the CPRM designation, no further examinations are required. To retain your designation, attend one of these update options annually.

  • James K. Ruble Seminar
  • PROFocus Series Seminar
  • MEGA Seminar
  • Dynamics of Selling
  • Dynamics of Sales Management
  • Dynamics of Company/Agency Relationship
  • Certified Insurance Counselor (CIC) course
  • Certified Risk Manager (CRM) course
  • Certified Personal Risk Manager (CPRM) course

A status available to designees who are ready to retire, but not ready to give up the designation for which they worked so diligently and maintained for so many years. Emeritus status is maintained with annual dues payment and no annual update is required. The Emeritus status guidelines are:

  1. Candidates must be retired from the insurance or risk management industry.
  2. Years you held the designation plus age must equal 70 or greater. 
  3. Must be dues-paid members in good standing.

The Tenured status is available to active National Alliance designees who have held their designation(s) for 25 or more years, OR for designees who have not held the designation for 25+ years, but are 70 years old or older, AND who are in good standing (having completed their 2022 update) and are dues-paid members of the Society.

National Alliance designees eligible and qualified for Tenured status may maintain their designations by paying their membership dues every year and meeting their birth month update requirement every other year rather than annually. Tenured designees retain all rights and privileges of the designation and of their membership in the Society.

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