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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.

Specialized Insurance for Art & Antique Galleries Van Wagoner Companies, Inc. offers a dedicated Art & Antique Galleries program through its MGA platform with access to Lloyd's markets. The program is built to address the distinct valuation, transit, and display risks faced by galleries, dealers, consultants, and collectors. Whether the account is a small boutique gallery, a multi-dealer antique mall, or a private collector with frequent loans and exhibits, Van Wagoner provides flexible placement options and specialty underwriting expertise. Ideal Accounts and Appetite This program is well suited for: Fine art galleries and independent art dealers Antique shops and multi-dealer malls Private collectors who rotate or loan pieces to exhibits Art consultants, appraisers, and dealers who maintain on-site inventory Accounts with high-value, mobile inventory—items in transit, on consignment, or displayed at shows and auctions—are welcomed when appropriate security and inventory controls are in place. Operations primarily focused on restoration, repair, or manufacturing of antiques or artwork may be outside of the core appetite and should be discussed with underwriting first. Coverage Highlights and Advantages The program offers core and package options tailored to gallery and antique exposures: Property Coverage – Buildings, fixtures, business personal property, and scheduled fine art and antiques. General Liability – Third-party bodily injury and property damage arising from gallery operations and client visits. Package Policies – Combined property and liability options for cleaner placement and administration. Inland Marine – Coverage for items in transit, on consignment, on loan, or exhibited off-premises. Policies can be customized to include protections for theft, fire, accidental breakage during transit, and other common gallery risks. Coverage terms are designed to reflect the valuation and mobility of collectible items and to support complex placement needs. Underwriting Notes and Minimum Premiums Submissions are reviewed individually with attention to loss history, security measures, inventory controls, and item valuations. Provide a detailed inventory, values, provenance where available, and photos to accelerate underwriting. While the program does not list a public minimum premium here, Van Wagoner aims to offer competitive pricing that aligns with the risk profile—underwriters will advise on premium expectations during submission review. Territories and Availability This program is available on a non-admitted basis in the following states: Arizona (AZ) Arkansas (AR) California (CA) Connecticut (CT) Delaware (DE) Idaho (ID) Iowa (IA) Nevada (NV) New Mexico (NM) Oklahoma (OK) Pennsylvania (PA) Texas (TX) Utah (UT) Wyoming (WY) Admitted versus non-admitted placement depends on the state and the individual risk characteristics. Van Wagoner places coverage through Lloyd's, which provides flexibility and capacity for higher-value or more complex accounts. Why Work With Van Wagoner Companies Van Wagoner combines niche underwriting experience with Lloyd's access to support specialty art and antique risks. Agents benefit from underwriters who understand valuations, transit exposures, consignment arrangements, and museum/exhibit placements. The MGA model also delivers responsive service and streamlined placement for tailor-made solutions. Example scenarios that fit well: You have a client who runs a boutique gallery in California that frequently ships pieces to regional shows and needs transit and exhibit coverage in addition to on-site protection. You represent an antique dealer in Texas who consigns high-value pieces to auctions and requires scheduled inland marine coverage for items while off-premises. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for fine art galleries, antique shops, private collectors, and consultants who need coverage for high-value, mobile inventory and exhibition exposures. What coverages are included in the Art & Antique Galleries program?Core offerings include Property, General Liability, Inland Marine, and Package policies that can be tailored to cover theft, fire, accidental breakage in transit, and exhibit exposures. Is this program available in all states?No. It is currently available on a non-admitted basis in AZ, AR, CA, CT, DE, ID, IA, NV, NM, OK, PA, TX, UT, and WY. Admitted availability varies by state and risk. Does the program cover items in transit or on loan?Yes. Inland Marine coverage is available to protect items while in transit, on consignment, or temporarily exhibited off-premises. What carrier backs this program?The program is underwritten and placed through Lloyd's, providing capacity and specialty market expertise for collectible and fine art risks. Need help placing an account? Connect with a market specialist.

Museum Collections Insurance Program – Exclusive Fine...ries, and nonprofits with valuable collections or art exhibits. Is coverage av...

...or museum pieces and non-flying collections. Can you help agents who are new t...

...s liability (umbrella/excess) Collections — fine art, jewelry, wine, antique...ns/appraisals for homes, autos and collections, vessel/aircraft details, and a...

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Flea Market Insurance program designed for owners and operators of flea markets, swap meets, bazaars, antique marts, farmers' markets, and merchandise markets. This program is ideal for venues where vendors rent space to sell new or used goods. With flexible monoline or package options, this program helps protect your clients from property damage, liability claims, and crime-related losses common in these busy, high-foot-traffic environments. Ideal Accounts and Appetite This program is tailored for property owners or operators who lease booth or stall space to multiple vendors. Ideal risks include: Indoor or outdoor flea markets Weekend swap meets or bazaars Permanent or seasonal farmers’ markets Antique malls and collectible markets New merchandise marts Accounts with organized vendor agreements, established loss control measures, and consistent risk management practices are preferred. The program is not designed for individual vendors or markets with high-hazard exposures such as amusement rides or live entertainment stages. Coverage Highlights and Advantages Colonial General's Flea Market Insurance program offers robust coverage options tailored to the unique risks of multi-vendor marketplaces. Commercial General Liability Coverage Includes: Primary limits up to $3,000,000 Occurrence/Aggregate (Products/Completed Operations excluded by CG2104) $5,000 Medical Payments—Included Excess or Umbrella limits available up to $25,000,000 $500 minimum deductible Property Coverage Options: Building and Contents Business Income Equipment Breakdown Computer Equipment Outside Signs Replacement Cost or Actual Cash Value Inland Marine Accounts Receivable Valuable Papers Basic, Broad, or Special Form options Crime Coverage Options: Inside the Premises—Theft of Money and Securities Inside the Premises—Robbery or Safe Burglary of Other Property Outside the Premises Underwriting Notes and Minimum Premiums The program is available through both admitted and non-admitted markets, depending on the risk profile and state. Colonial General works with a variety of carriers to provide flexible underwriting solutions. While minimum premium requirements vary, the program is designed to accommodate a wide range of small to midsize accounts. Territories and Availability This Flea Market Insurance program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General has strong regional expertise in these Western states and understands the market dynamics specific to each territory. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings specialized knowledge and market access to niche programs like flea markets and swap meets. Their experienced underwriters understand the operational needs and liability exposures unique to these businesses. Agents benefit from fast turnaround times, flexible coverage structures, and access to both admitted and non-admitted carriers. You might have a client who owns a weekend farmers' market in Utah or manages a year-round antique mall in California—this program can provide the tailored protection they need. Colonial General makes it easier for you to place this specialized business with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include flea markets, antique malls, swap meets, farmers’ markets, and new merchandise venues where space is rented to multiple vendors. Can this program cover both property and liability?Yes, coverage is available on a monoline or package basis, including options for property, general liability, and crime coverage. Is this program available in all states?No, it is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY. Are both admitted and non-admitted carriers used?Yes, Colonial General offers access to both admitted and non-admitted markets depending on the risk and state. Can I write coverage for an outdoor seasonal market?Yes, outdoor and seasonal markets are eligible if they meet underwriting guidelines and have appropriate vendor controls in place. Need help placing an account? Connect with a market specialist.

Continental Risk / Continental Marine Insurance Services offers comprehensive Directors and Officers (D&O) insurance solutions tailored for both non-profit and for-profit organizations. This program is designed to help insurance agents and brokers place coverage that protects key decision-makers and entities from a wide array of management liability exposures. The D&O program covers directors, officers, trustees, employees, volunteers, and the organization itself. It goes beyond traditional liability coverage to address complex and emerging risks, including allegations of fraud, misrepresentation, unfair competition, employment practices violations, and mismanagement of employee or pension benefit plans. Ideal Accounts and Appetite Private Companies: Closely held businesses across most industries. Not-for-Profit Organizations: Including charities, associations, and foundations. Public Entities: Select publicly traded companies (contact for underwriting review). Excess Coverage: Available for companies seeking additional layers of protection. Coverage Highlights and Advantages Directors & Officers Liability: Protects insureds from claims related to management decisions and negligence in their executive roles. Fiduciary Liability: Covers fiduciary duties related to employee benefit plans; available on a primary or excess basis. Employment Practices Liability: Addresses claims such as wrongful termination, discrimination, and sexual harassment. Tenant Discrimination Coverage: Helps property owners and managers defend against discrimination claims brought by prospective, current, or former tenants. Underwriting Notes and Minimum Premiums Primary and excess options are available with flexible structuring. Separate limit towers and retentions can be applied for each coverage part. Coverage is non-cancellable except for non-payment of premium. Capacity limits up to $10 million are available. Primary coverage suitable for entities with revenues up to $750 million. Excess coverage available with no revenue threshold. All classes considered except financial institutions. Minimum premiums vary depending on risk characteristics. Territories and Availability Available in all 50 states and Washington, DC. Some markets are admitted, while others are non-admitted, depending on jurisdiction and risk profile. Why Work With Continental Risk Continental Risk is an experienced Excess & Surplus Lines Broker with access to a broad spectrum of carriers. They offer tailored solutions for complex management liability exposures across various industries. Their underwriting team understands the nuanced needs of both non-profit and corporate clients. Responsive service and flexible program design help agents secure competitive coverage for difficult-to-place risks. Whether you have a non-profit board seeking protection for its volunteers or a mid-sized private company concerned about employment practices claims, Continental Risk provides a robust and flexible D&O insurance solution. Their expansive state availability and ability to write both primary and excess layers make them a valuable partner for agents placing management liability accounts. Frequently Asked Questions What types of accounts are a good fit for this D&O program?This program is ideal for private companies, not-for-profit organizations, and select public companies seeking primary or excess Directors and Officers coverage. Does the program include employment practices liability?Yes, Employment Practices Liability Insurance (EPLI) is available and covers claims such as wrongful termination, discrimination, and harassment. Can I write coverage in any state?Yes, this program is available in all 50 states and Washington, DC. Admitted status may vary by market and state. What is the maximum coverage limit available?Capacity limits are available up to $10 million, depending on the risk and coverage part. Is there a revenue cap for eligible accounts?Primary coverage is available for companies with revenues up to $750 million. There is no revenue limit for excess placements. Need help placing an account? Connect with a market specialist.

Allied Healthcare Insurance Program from Continental Risk / Continental Marine Insurance Services Continental Risk / Continental Marine Insurance Services offers a comprehensive Allied Healthcare Insurance program designed to meet the evolving needs of healthcare facilities and professionals. As an excess & surplus lines broker with access to A-rated carriers, we provide flexible solutions for a wide range of allied health exposures. Our team understands the fast-changing healthcare landscape and delivers coverage options that help agents and brokers protect their clients from complex liability risks. Ideal Accounts and Target Classes This program is well-suited for a broad spectrum of healthcare providers and facilities. You can confidently place accounts in the following classes: Clinics and outpatient centers Laboratories and diagnostic testing centers Medical spas and aesthetic clinics Home health agencies Small hospitals Pharmacies Individual healthcare professionals, including: Therapists Pharmacists Physician Assistants Nurse Anesthetists Whether your client operates a small diagnostic lab or is an independent practitioner, this program offers scalable protection tailored to their needs. Coverage Highlights and Options Our Allied Healthcare program offers a variety of coverage structures to fit the unique exposures in the healthcare industry: Primary professional liability Claims-made professional liability and general liability (claims-made or occurrence) Follow-form excess and umbrella available Incident-sensitive coverage trigger Bilateral extended reporting period up to 7 years Defense costs inside or outside limits of liability Optional coverages include: Damages-only deductible HIPAA civil monetary penalty coverage Vicarious liability for named insureds related to sexual acts Disciplinary proceeding coverage Data breach coverage Billing error defense cost reimbursement Sexual abuse sublimits Underwriting Guidelines and Premiums The program offers primary liability limits up to $5,000,000. Minimum premiums start as low as $1,500 for many classes, making it an accessible solution for small to mid-sized accounts. Our underwriting team evaluates each submission carefully to match the right protection with each client’s operations and risk profile. You might have a client who recently opened a wellness-focused medical spa or a home health agency expanding into new states—this program is built to support those types of growing, specialized businesses. Territories and Market Access Coverage is available in all 50 states and Washington, DC. We offer both admitted and non-admitted options through A-rated carriers, allowing for flexibility in placement depending on client needs and jurisdictional requirements. Why Work with Continental Risk / Continental Marine Insurance Services? With decades of experience in the healthcare and marine sectors, Continental Risk / Continental Marine Insurance Services delivers value through deep market knowledge, responsive service, and access to specialized insurance solutions. Our Allied Healthcare program helps you offer your clients protection against today’s most pressing liability risks in the healthcare space. Partner with us to gain a competitive edge in placing complex healthcare accounts. Frequently Asked Questions What types of accounts are a good fit for this Allied Healthcare program?The program is ideal for clinics, labs, medical spas, home health agencies, small hospitals, pharmacies, and licensed healthcare professionals such as therapists and physician assistants. Is coverage available nationwide?Yes, this program is available in all 50 states and Washington, DC, with both admitted and non-admitted markets depending on the state and risk profile. What is the minimum premium for this program?Minimum premiums start as low as $1,500 for many eligible classes, making it a viable option for small to mid-sized healthcare operations. Can I offer optional coverages to customize the policy?Yes, optional coverages such as HIPAA penalty coverage, data breach, and disciplinary proceedings can be added to tailor the policy to your client's needs. What types of limits are available?The program offers primary liability limits up to $5,000,000, along with follow-form excess and umbrella coverage options. Need help placing an account? Connect with a market specialist.

Architects & Engineers Liability Program from Continental Risk / Continental Marine Insurance Services Continental Risk / Continental Marine Insurance Services offers a tailored program for design, engineering and environmental consulting firms. Our Architects & Engineers Professional Liability, Commercial General Liability (CGL) and Contractors Pollution Liability package is structured to address the technical, contractual and pollution exposures common to these professions—allowing you to place multi-line liability solutions for clients who work on environmentally sensitive or highly regulated projects. Ideal Accounts and Appetite This program targets a range of professional service providers, including: Engineering firms and independent engineers Environmental consultants and remediation contractors Testing laboratories and analytical service providers Oil & gas consultants and specialty technical consultants We can handle small to mid-sized firms and select larger or more complex operations that carry contractual pollution exposures. Accounts with routine site work, sample transportation, laboratory analysis, or scope-of-work exposure to released pollutants are a primary focus. Coverage Highlights and Advantages This program combines three core liability protections into a single placement to reduce gaps between disciplines: Architects & Engineers Professional Liability — Coverage for errors, omissions or negligent acts in the performance of professional services. Commercial General Liability (Occurrence) — Occurrence-form CGL for bodily injury, property damage and related general liability claims arising from A&E operations. Contractors Pollution Liability — Coverage for third-party liability tied to the release, migration or transportation of pollutants. Key endorsements and program features available include: Media & Technology extensions Onsite Cleanup endorsement tailored for laboratories Transportation of Pollutants Liability Blanket Primary & Non-Contributory wording Hired & Non-Owned Auto endorsements Limits are available up to $2 million, subject to underwriting and carrier appetite. Underwriting Notes and Minimum Premiums Underwriting considers professional revenue, services performed, pollution exposures, claims history and contractual requirements. Minimum premiums vary by risk type, limits and territory; Continental Risk’s underwriting team works directly with appointed agents and brokers to size coverages and structure terms appropriate to each submission. Preferred submissions include detailed scopes of services, sample contracts, any pollution control procedures and loss runs where available. We welcome accounts with complex contractual obligations or higher pollution risk, but this is exclusively a non-admitted solution—placements are handled on a surplus lines basis. Territories and Availability This program is available on a non-admitted basis in all 50 states and the District of Columbia, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Why Work With Continental Risk / Continental Marine Insurance Services? As a general agency and excess & surplus lines broker, Continental Risk brings focused expertise in hard-to-place liability and pollution risks. We maintain relationships with multiple carriers experienced in technical exposures, and we structure layered solutions to help you meet contract requirements while managing environmental liability risk. Our team supports brokers with underwriting guidance, bespoke endorsements, and flexible wording options when standard markets decline or require tailored pollution language. Example account scenarios you might place through this program: A regional environmental lab that performs onsite sampling and small-scale cleanup services and needs combined professional, CGL and pollution transport coverage. An engineering firm contracted to provide site assessments and design services for brownfield redevelopment that requires primary non-contributory limits and pollution liability endorsements. For more information about accessing the program and submission requirements, please visit our company profile. Frequently Asked Questions What types of accounts are a good fit for this program?This program is well suited to engineers, testing laboratories, environmental consultants, and oil & gas consultants that have professional liability and pollution exposures. Is this program admitted in any states?No. This program is offered on a non-admitted (surplus lines) basis in all available states and the District of Columbia. What is the maximum limit of liability available?Limits are available up to $2 million, depending on the risk profile and underwriting evaluation. Are pollution-related endorsements included?Yes. The program includes Contractors Pollution Liability and offers endorsements such as Onsite Cleanup and Transportation of Pollutants where appropriate. What states is this program available in?This program is available in all 50 states and Washington, D.C., on a non-admitted basis. Need help placing an account? Connect with a market specialist.

Comprehensive Habitational Insurance Solutions from Continental Risk / Continental Marine Insurance Services Continental Risk / Continental Marine Insurance Services offers a dedicated Habitational Insurance program for agents and brokers placing coverage for multi-unit residential property risks. The program provides tailored solutions for apartment complexes, condominium associations, townhome communities, and mixed-use buildings with residential components across a broad geographic footprint. Ideal Accounts and Target Classes This program is designed for insureds who own or manage multi-unit residential properties, including: Apartment buildings (market-rate and affordable housing) Condominium associations Townhome and townhouse communities Mixed-use buildings with residential units Whether your client is a single-property owner, an investor with several complexes, or a property management company, the program can be structured to match different risk profiles and operational models. Coverage Highlights and Available Limits The Habitational Insurance program includes core coverages that address the primary exposures faced by residential property owners: General Liability – $1M per occurrence / $2M aggregate Property Coverage – Up to $5M Total Insured Value (TIV) per location Additional optional or package components commonly available include: Hired & Non-Owned Auto liability Employee Benefits liability Equipment Breakdown coverage These coverages help your clients manage the financial impact of property damage, liability claims, and operational interruptions so they can focus on maintaining occupancy and cash flow. Underwriting Approach and Minimum Premiums Continental Risk / Continental Marine works with a mix of admitted and non-admitted markets to provide flexibility in placement. Underwriting evaluates each submission on its individual merits; key factors include location, construction type, age and condition of building systems, occupancy, management practices, and prior loss history. Minimum premium levels vary by state, limits, and specific risk characteristics. Submissions demonstrating good maintenance, recent system upgrades (roofing, electrical, fire protection), and favorable loss histories generally receive stronger terms. Risks with older construction, recurring claim activity, or significant deferred maintenance are considered but will require detailed documentation and may face more restrictive terms. Territorial Reach The Habitational Insurance program is available nationwide, including all 50 states and Washington, D.C. Continental Risk / Continental Marine can place business in admitted markets where available and use non-admitted solutions where appropriate to achieve the coverage or limits your client needs. Why Work With Continental Risk / Continental Marine Insurance Services? As a wholesale broker, Continental Risk / Continental Marine brings decades of habitational placement experience and relationships with multiple carriers. Agents benefit from: Access to both admitted and non-admitted markets Underwriting expertise focused on multi-unit residential exposures Flexible program structures and available endorsements tailored to property operations Responsive service to help place difficult or specialty habitational risks Example scenarios where this program is a strong option: you have a client managing a 60-unit apartment complex in a coastal area with some older construction and recent system upgrades, or a condominium association seeking higher liability limits and equipment coverage. Continental Risk / Continental Marine can help package those accounts and submit to the markets most likely to offer competitive terms. To learn more about placing habitational accounts through this program, contact the team at Continental Risk / Continental Marine Insurance Services. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include apartment complexes, condominium associations, townhome communities, and mixed-use buildings with residential units. What are the liability and property coverage limits offered?The program offers general liability limits of $1 million per occurrence and $2 million aggregate, with property coverage available up to $5 million TIV per location. Are both admitted and non-admitted carriers available?Yes, Continental Risk / Continental Marine works with a variety of carriers, including admitted markets in select states and non-admitted options where appropriate. What underwriting information is needed for a quote?Typical submissions should include property details, construction year, updates, occupancy, loss history, and current coverage information. Is this program available in all states?Yes, the Habitational Insurance program is available in all 50 states and Washington, D.C. Need help placing an account? Connect with a market specialist.