Private client contents intelligence
LAYBL gives private-client insurers, MGAs and brokers a clearer picture of what is inside the home before a loss, supporting better-informed cover, stronger client relationships and a more straightforward claims experience.
The hidden risk
Private-client contents values are often based on memory, broad estimates and information scattered across photographs, receipts and valuations.
For insurers and brokers, that can mean limited visibility before the risk is written. For the client, the true gap may only become clear after a loss.
The contents exposure
Private-client households contain a complex combination of accumulated contents, specialist assets and changing values. A single overall sum can hide important gaps, concentrations of value and items requiring separate attention.
The LAYBL record
01
A fast, guided way to document household contents without handing the client an enormous administrative task.
02
A clearer view of estimated replacement costs, specialist assets and areas requiring further review.
03
A structured, time-stamped record that remains useful through renewals, changes in value and future claims.
The whole contents exposure
Watches, wine, art and jewellery may require specialist attention. But furniture, clothing, technology and the accumulated contents of every room can represent just as much risk when they are overlooked or undervalued.
LAYBL creates a more complete, structured view of what is inside the home, giving private-client teams a stronger basis for understanding the exposure.
Why LAYBL
Build a more informed picture of contents values, specialist assets and concentrations of exposure before a loss.
Give private-client teams a tangible service that demonstrates the thoroughness and personal attention their clients expect.
Create the household record in advance, reducing reliance on memory and retrospective evidence when a claim happens.
Built for ownership
New possessions are acquired, values change and supporting evidence becomes outdated. LAYBL creates a living household record that supports more meaningful reviews, better-informed cover and stronger claims preparation.
Professional judgement
LAYBL gives brokers, underwriters, surveyors, claims professionals or specialist valuers a clearer, better-organised record to work from and identifies where further professional input may be required.
Insights
All insightsContents exposure
Watches, wine, jewellery and art attract specialist attention. The accumulated furniture, clothing, technology and everyday contents of every other room can represent an equally significant exposure.
8 July 2026 · 5 min read
Contents exposure
Broad estimates, memory, fragmented receipts and one-off valuations leave insurers and brokers working from an incomplete picture until the moment it is hardest to establish.
24 June 2026 · 6 min read
The ownership record
Households change continuously; contents information usually does not. The case for a living record that changes as possessions, values and supporting evidence change.
29 July 2026 · 5 min read
About LAYBL
LAYBL was founded by Jen Wagner after more than 20 years working across ecommerce, product data and digital customer experience, including with Dyson and Red Bull.
Businesses know what people buy, but very little remains connected once those products become owned. LAYBL exists to close that gap.
We are building the infrastructure to make ownership visible, beginning with high-value household contents and private-client insurance.
Jen Wagner
Founder and CEO
Common questions
LAYBL turns household photographs, receipts, valuations and identifying information into a structured, time-stamped record of what a client owns, created before a loss rather than after one.
Private-client insurers, MGAs and brokers serving households whose contents, specialist assets or circumstances require a more considered approach than a single overall sum insured.
No. LAYBL can provide estimated replacement-cost information and identify items that warrant specialist attention, but it does not replace a qualified professional valuer and its estimates are not formal or certified valuations.
The record gives a clearer basis for conversations at onboarding, renewal and claim, and allows changes in possessions, values and supporting evidence to be captured over time rather than reconstructed later.
No. LAYBL is designed to strengthen professional advice and decision-making by providing better-organised household information to the people already responsible for it.
Yes. The living record can be updated as new possessions are acquired, values change and supporting evidence is added, so it remains useful between renewals.
Household information is encrypted in transit and at rest, and held in access-controlled systems. Access is limited to named LAYBL personnel who need it to run the service, and a record is shared with an insurer, MGA or broker only where the client has agreed to it. Full security documentation is available on request for due-diligence reviews.
See how LAYBL can strengthen your private-client proposition.
Speak to LAYBL