Ideal Accounts and Appetite
This program is ideal for:
- Private collectors with valuable personal collections
- Dealers with inventory in antiques and collectibles
- Clients displaying collections at exhibitions or transporting items
Whether your client owns a single valuable item or an extensive multi-location collection, IPMG can help you place coverage that fits their unique risk profile.
Coverage Highlights and Advantages
- Competitive Rates – Often lower than scheduling individual items on a homeowners policy
- No Appraisals or Inventories Required – For most items under $5,000 in value
- High Property Limits – Up to $15 million in total coverage
- Broad Named Peril Coverage – Includes burglary/theft, fire, flood (excluding zones A & V), natural disasters, and accidental breakage
- Transit and Exhibition Coverage – Includes transportation and scheduled exhibitions
- Multi-Premises Flexibility – Coverage available for multiple storage or display locations
Types of Collectibles Covered
The program covers a wide range of collectible categories, including but not limited to:
- Advertising Collectibles
- Antique Radios, Tools, and Photographs
- Art (comics, animation, prints, lithographs)
- Books & Manuscripts
- Coins (excluding gold and platinum)
- Dolls, Toys, and Action Figures
- Fine Art and Furniture
- Glass, Pottery, and Textiles
- Musical Instruments (non-electrical)
- Native American artifacts
- Political, Sports, and Entertainment Memorabilia
- Movie Props, Petroliana, and Zippo Lighters
- Trains and Layouts
- Vintage Clothing and Sewing Items
- Weapons and Accessories
- Writing Instruments and more
Underwriting Notes and Minimum Premium
Appraisals or inventories are generally not required unless an item is valued at $5,000 or more. At the time of loss, documentation such as photos, receipts, and inventory details will be necessary. The minimum premium for this program is $250, making it accessible for both small and large collections.
States and Availability
This program is available in the following states: AR, FL, IL, IN, IA, KS, KY, MI, MN, MO, TN, and WI. IPMG works with both admitted and non-admitted carriers, allowing flexibility based on risk profile and jurisdiction.
Why Work With IPMG?
As a General Agency and Excess & Surplus Lines Broker, IPMG brings niche expertise and market access to help you better serve clients with high-value collectibles. Their deep understanding of this unique insurance segment, coupled with flexible underwriting and strong carrier relationships, makes it easier for agents and brokers to confidently place hard-to-insure collectible risks.
Example: You might have a client who owns a rare collection of antique tools displayed in multiple locations and occasionally exhibited at trade shows. IPMG’s program offers coverage for transit, exhibition, and multi-premises storage—all under one policy.