Search CompleteMarkets

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.

Related Topic/Coverage - https://completemarkets.com/Antique-Collections-Insurance/storefronts/ What is Antique Coverage? Antique collections insurance is a specialized type of coverage designed to protect valuable antiques, collectibles, and heirlooms from loss, damage, or theft. Standard homeowners policies may provide limited coverage, which often isn't enough to fully protect high-value or rare items. Antique coverage fills that gap, offering broader protection tailored to the unique risks these items face. Who Needs It This insurance is ideal for individuals or businesses that own: Antique furniture Fine art and sculptures Rare books or manuscripts Vintage jewelry and watches Collectible memorabilia or artifacts Whether you're a private collector, a dealer, or someone who inherited valuable antiques, dedicated coverage helps protect your investment. What It Typically Covers Antique collections insurance may cover: Accidental damage (e.g., drops, spills, breakage) Theft or burglary Fire and water damage Loss during transit or while in storage Coverage may also include worldwide protection, meaning your items are covered even when traveling or on loan to museums or galleries. Common Exclusions and Limitations Like most insurance policies, antique coverage may have exclusions such as: Gradual wear and tear Damage from pests or mold Loss due to improper storage or handling Unverified or disputed valuations Always review your policy details and keep up-to-date appraisals to avoid disputes during a claim. Factors That Influence Cost The cost of antique insurance depends on several factors, including: Total value and type of items insured Security measures in place (e.g., safes, alarms) Location and exposure to risks (e.g., flood zones) Claim history and deductible choices Proof of Insurance & Compliance Having proof of antique insurance may be required for appraisals, auctions, or lending items to exhibitions. Requirements vary by state and by institution, but having clear documentation and current valuations will help ensure compliance and streamline any claims process. How to Get a Quote To find the right coverage for your antiques, start by comparing policies and working with insurers who understand collectible items. Get a quote today to protect your valuable collection. Frequently Asked Questions Does homeowners insurance cover antique items?Most homeowners policies offer limited coverage for antiques, often capped at a low dollar amount. Specialty antique insurance provides broader protection tailored to these items. Do I need an appraisal to insure my antiques?Yes, most insurers require a recent appraisal to establish the value of your items and determine the appropriate coverage limits. Are my antiques covered when I travel with them?Many antique insurance policies offer worldwide coverage, protecting your items during travel, exhibitions, or storage. Check your policy for specific terms. Can I insure a single antique item?Yes, you can choose to insure individual items or an entire collection, depending on your needs and the insurer’s offerings. What should I do if my antique is damaged?Contact your insurer immediately, document the damage with photos, and provide any relevant appraisals or receipts to support your claim. Still have questions? Talk to a local insurance expert.