The high-end insurance policies niche typically refers to insurance policies that are designed to offer high levels of coverage and protection to wealthy individuals and families. The structure of this niche can vary depending on the specific type of insurance policy, but generally, it involves the following components:

1. Insurance Providers: These are the companies that offer high-end insurance policies. They can be large national or international insurance companies, or smaller boutique firms that specialize in serving wealthy clients.
2. Insurance Brokers: Insurance brokers are intermediaries who connect clients with insurance providers. In the high-end insurance market, brokers often have specialized expertise in serving wealthy clients and may have access to exclusive policies and pricing.
3. Wealth Management Firms: Wealth management firms provide a range of financial services to high-net-worth individuals and families, including insurance advice and services. They may partner with insurance providers or brokers to offer insurance policies to their clients.
4. Reinsurers: Reinsurers are companies that provide insurance to insurance companies. In the high-end insurance market, reinsurers may play a significant role in providing coverage for large or complex risks.

Some other names for the high-end insurance policies niche:

Private insurance
Personal excess liability insurance
High-net-worth insurance
Luxury insurance
Elite insurance
Affluent insurance
Wealth insurance
High-value insurance
Prestige insurance
Bespoke insurance