Antiques and Collectibles Program from Continental Risk / Continental Marine Insurance Services
Continental Risk / Continental Marine Insurance Services offers a specialized Antiques and Collectibles Program designed to help agents and brokers place hard-to-insure risks in the antiques and collectibles market. Whether your client is a private collector or a commercial dealer, this program provides access to tailored coverages that address the unique exposures of this niche industry.
Ideal Accounts and Target Classes
This program is well-suited for a wide variety of insureds in the antiques and collectibles space, including:
- Private collectors of antiques and collectibles
- Antique dealers and shop owners
- Antique mall operators
- Estate sale professionals
- Antique show promoters and event organizers
- Collector's clubs and enthusiast organizations
- Antique auction houses
- Dealers of other acceptable collectible items
You might have a client who runs an antique store with valuable vintage items or a high-net-worth individual with a personal collection of rare coins or art—both are good fits for this program.
Coverage Highlights and Advantages
The program offers flexible coverage options that address both property and liability exposures common in the antiques and collectibles market:
- Inland Marine and Business Personal Property – Ideal for mobile inventory and high-value items.
- Commercial Real Property – Protection for buildings and infrastructure.
- Commercial General Liability – Coverage for premises liability and operations.
Limits available include:
- Up to USD $2,000,000 each and every loss, each and every risk
- USD $850,000 per location
- USD $2,000,000 General Liability per occurrence / aggregate
Additional options include a minimum deductible as low as USD $250, making it accessible for a range of small to mid-sized accounts. Claims are handled by adjusters with expertise in antiques and collectibles, ensuring accurate and fair valuations.
Underwriting Notes
All policies are placed on a non-admitted basis through trusted carrier partners. While underwriting is flexible, risks must fall within acceptable collectible classifications. Agents should be prepared to provide detailed inventory lists or appraisals when applicable. There is no stated minimum premium, allowing for competitive placement across various account sizes.
Territory and Availability
This program is available in all 50 states and the District of Columbia, providing nationwide access for your clientele. Whether your client is located in a rural antique district or an urban cultural center, Continental Risk / Continental Marine Insurance Services is equipped to help you place coverage effectively.
Why Work With Continental Risk / Continental Marine Insurance Services?
As a wholesale broker specializing in niche markets, Continental Risk / Continental Marine Insurance Services brings deep understanding and tailored solutions to the antiques and collectibles industry. Their access to non-admitted markets and class-specific claims expertise make them a valuable resource for agents and brokers looking to serve collectors, dealers, and specialty businesses with unique property exposures.
When you need a partner who understands the value—both monetary and sentimental—of antiques and collectibles, turn to Continental Risk / Continental Marine Insurance Services.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for antique dealers, private collectors, estate sale professionals, antique malls, auction houses, and similar businesses involved in selling or showcasing antiques and collectibles.
Is this program available nationwide?
Yes, the Antiques and Collectibles Program is available in all 50 states and the District of Columbia.
What coverages are included in the program?
Coverage options include Inland Marine, Business Personal Property, Commercial Real Property, and Commercial General Liability.
Are there any minimum premium requirements?
There is no stated minimum premium, making it suitable for small to mid-sized risks. Deductibles start as low as USD $250.
Is this an admitted program?
No, all policies are written on a non-admitted basis through select carrier partners.
Need help placing an account? Connect with a market specialist.