The high-net-worth individual has the means to buy whatever he or she likes “and often will,” as one insurance expert tells NU. In doing so, the hobbies and interests of such insureds can create large exposures that producers and carriers need to keep an eye on, for in many cases the HNW client is unaware of the risks at hand.

From personal submarines to bathtubs that entertain, here's a look at some of the top luxury toys for the well-to-do client.

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