https://completemarkets.com/company/continental-risk-continental-marine-insurance-services/antiques-and-collectibles-program/
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.
https://completemarkets.com/company/kandkinsurance/Short-Term-Special-Event-Insurance/
https://completemarkets.com/company/Advanced-EandS-Group/garage-liability-insurance/
Overview — GARAGE LIABILITY Insurance from Advanced E&S Group - Southeast Region
Advanced E&S Group - Southeast Region offers a specialized GARAGE LIABILITY program designed for agents placing automobile dealers and repair-related risks. As a managing general agency, we provide access to various non-admitted carrier capacity tailored to garage operations, dealers, and service shops. This program focuses on the everyday liability exposures that arise from selling, servicing, detailing, parking, and transporting customer vehicles.
Who this program is built for
New/Used Car Dealers
Dealers Pickup Trucks
Private Passenger Autos
Sports Utility Vehicles
Heavy Trucks
Recreational Vehicles
Motorcycles
Non Dealer Repair Services
Auto Repair Shops
Paint or Body Shops
Car Washes – Full Service Only
Detail and Clean Up Shops
Heavy Truck Repair
Lube and Oil Change Shops
Motorcycle Repair
Recreational Vehicle Repair (RV’s)
Tire Shops
Valet Parking
Mobile Detailing
Coverage highlights and advantages
This GARAGE LIABILITY program addresses core exposures agents see on dealer and repair-shop accounts, including premises and operations liability, on-site test drives, valet operations, and liability arising from custodial care of customer vehicles. The program can include coverage elements commonly requested by dealers and service shops—such as bodily injury and property damage to third parties, and limits structured to match customer exposure profiles—delivered through a variety of carrier forms and endorsements depending on the state.
Ideal accounts and common fits
Agents should consider this program for accounts such as:
Independent new and used car dealers with retail sales and on-site servicing.
Full-service repair shops, paint and body shops, and mobile detailing operations that handle customer vehicles.
Valet operators and businesses offering pickup/drop-off or customer vehicle transport as part of service.
Tire shops, lube and oil change shops, and RV/motorcycle repair shops with moderate limits and clean loss histories.
Underwriting notes and minimum premiums
As a managing general agency placing coverage with various carriers, Advanced E&S Group - Southeast Region evaluates accounts on operations, revenue, risk controls, and loss history. Accounts with regular test drives, valet or extensive customer transport, salvage reconditioning, or significant rental-type operations may require referral or supplemental terms. Minimum premium and specific terms vary by carrier and state; please submit full details (applications, recent loss runs, descriptions of operations) for accurate quotes.
Territories and admission status
This GARAGE LIABILITY program is available in the following jurisdictions: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, DC. Coverage is offered through various carrier markets and may include non-admitted (surplus lines) placements depending on state and appetite; availability of admitted paper varies by state and market.
Why place this business with Advanced E&S Group - Southeast Region
As an MGA focused on E&S garage exposures, Advanced E&S Group - Southeast Region provides agents with market access and underwriting expertise tailored to dealers and repair services. We work to match accounts to the carrier appetite, streamline submissions, and present coverage options that reflect each customer’s operations. For complex or larger accounts, our underwriters will work with you to identify potential risk-transfer solutions or appropriate endorsements.
Example fits
You might have a small used-car dealer selling private passenger autos and offering limited service work who needs transaction-ready limits and garage liability — this program can provide competitive options through surplus or admitted markets where available.
An independent full-service auto repair shop that also operates a valet service or mobile detailing business may benefit from tailored endorsements that address off-premises exposures.
Frequently Asked Questions
What types of garage accounts are a good fit for this program?Best fits include new/used car dealers, independent repair shops, full-service car washes, detailers, tire shops, and valet or mobile detailing operations with moderate revenue and standard safety controls. Larger or higher-risk operations may require referral.
Is this coverage admitted or non-admitted?Availability varies by state and carrier. The program places coverage with various markets and may include non-admitted (surplus lines) capacity; admitted paper depends on the state and the specific carrier appetite.
What information should I submit for a quote?Provide a completed application, three to five years of loss runs, a description of operations (including any valet or mobile services), annual revenues, and a schedule of vehicles if available. The more complete the submission, the faster we can review and bind.
Are mobile detailing and valet exposures eligible?Yes — mobile detailing and valet operations are eligible but are underwritten for the scale of operations, transport distances, employee training, and loss history. Explain these operations clearly on the submission to ensure accurate underwriting.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/ipmg/garage/
https://completemarkets.com/company/firstchoiceii/Miscellaneous-Business-Services/
Miscellaneous Business Services Program from First Choice Insurance Intermediaries, Inc.
First Choice Insurance Intermediaries, Inc. offers a flexible, wholesale program for a broad range of professional and administrative service providers under the Miscellaneous Business Services category. Designed for agents and brokers placing non-standard or niche service risks, the program gives access to both admitted and non-admitted markets so you can place hard-to-fit accounts with more carrier options and underwriting support.
Ideal Accounts and Target Classes
This program targets small to mid-sized firms that provide specialized or administrative services. Typical classes include:
Answering and paging services (GL square footage cap: 35K)
Auctioneering
Business manager services
Event planning and promotion
Executive placement (GL square footage cap: 35K)
Life, career, and executive coaching
Personal concierge / assistant services
Project management consultants
Recruiting and employment placement (GL square footage cap: 35K)
Talent agencies (GL square footage cap: 35K)
Training providers (business, vocational, or life skills)
Translation and interpretation services
Travel agencies (GL square footage cap: 35K)
Tutoring services
Many of these classes are underserved in standard markets because of diverse professional liability exposures or mixed operations. First Choice’s wholesale relationships and underwriting expertise make it easier for you to place accounts that need tailored terms.
Coverage Highlights and Program Limits
Available coverage forms include:
Professional Liability (PL): Revenue eligibility up to $5M
General Liability (GL): Payroll eligibility up to $3M
Business Owners Policy (BOP): Revenue up to $3M and up to 35,000 sq. ft.
Liability limits are flexible: the online aggregate limit can be up to $2M, with higher limits (up to $5M) available by phone through underwriting. This lets you match limits to a client’s risk profile and contract requirements.
Underwriting Notes and Program Considerations
Markets are available on both admitted and non-admitted paper depending on class and state. Underwriting is streamlined for many target classes when accounts fall within the stated revenue, payroll, and square footage thresholds. Accounts that combine high professional exposures, significant product operations, or heavy subcontracting may require additional review or be better placed elsewhere.
Example accounts you might place through this program:
A boutique career coaching firm with $2M in annual revenue operating remotely with no physical office.
An executive recruitment agency occupying a 30,000 sq. ft. office with payroll under $3M.
There is no single stated minimum premium; however, submissions within the published caps are most likely to be competitive and eligible for online quoting where offered.
Territories and Availability
This program is available in the following states: AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, MI, MO, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TN, TX, VA, WA, and WI. Availability and carrier access may vary by state and by coverage form.
Why Work With First Choice Insurance Intermediaries, Inc.?
As a wholesale broker, First Choice brings broad market access and specialty underwriting experience for miscellaneous service risks. Agents benefit from:
Access to both admitted and non-admitted markets for more placement options;
Underwriting teams familiar with niche professional exposures and mixed operations;
Flexible limit and form options to meet contract or client-specific needs;
Responsive placement support for accounts that have been difficult to place in standard markets.
To review First Choice’s full company profile and other programs, visit the First Choice Insurance Intermediaries, Inc. company profile.
Frequently Asked Questions
What types of accounts are a good fit for this Miscellaneous Business Services program?The program is geared toward small and mid-sized firms offering services such as executive placement, tutoring, project management, coaching, and travel planning. Accounts that fall within the stated revenue, payroll, and square footage limits typically qualify and receive streamlined underwriting.
What are the key eligibility limits for this program?Professional Liability is typically available for accounts with up to $5M in revenue. General Liability appetite generally extends to accounts with up to $3M in payroll. BOP eligibility is usually limited to businesses with up to $3M in revenue and 35,000 sq. ft. of space.
Is this program offered on an admitted basis?First Choice can access both admitted and non-admitted markets. Which paper is available depends on the class and the state—your market specialist can confirm options for each submission.
Can I submit accounts outside of the listed target classes?Yes — submissions outside the listed classes may be considered, but placement is more likely when the business aligns with the program’s core appetite. Contact First Choice for underwriting guidance on unusual or hybrid operations.
Which states is this program available in?This program is available in 29 states, including CA, FL, TX, NY, and IL. Carrier availability and coverages may vary by state and by coverage form.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/capitolspecialrisks/employment-practices-liability-insurance-for-law-firms/
Law firms are experts at managing legal risk — but they can overlook internal exposures. Employment Practices Liability Insurance (EPLI) protects firms from the financial and reputational impact of employment-related claims. Without tailored EPLI, even otherwise well-run practices can face expensive defense costs and settlements for allegations involving employees, partners, or third parties.
Employment Practices Liability Insurance for Law Firms
Capitol Special Risks offers a law-firm-focused Employment Practices Liability Insurance (EPLI) program designed for the unique people risks in legal practices. As a wholesale broker with deep professional-liability experience, we place coverage through multiple admitted and non-admitted carriers so retail agents can access competitive markets and flexible solutions nationwide.
Ideal Accounts and Appetite
This program fits a wide range of law firms — from boutique practices to multi-state firms. Typical accounts that place well include firms that:
Have multiple attorneys and support staff
Operate a formal partner-track or promotion process
Employ client-facing personnel with exposure to third-party harassment claims
Have workers in multiple states or jurisdictions
You might have a client who is a mid-sized litigation firm expanding into new offices and wants protection for partner disputes and wage & hour exposures. Or an employment law boutique with several associate-track attorneys seeking a policy that includes robust third-party harassment coverage.
Coverage Highlights and Advantages
Wage & hour defense sublimit
Fair Labor Standards Act (FLSA) defense sublimit
Third-party harassment and discrimination coverage
Defense costs outside the limit (subject to carrier terms)
Claims coverage for failure to promote or disputes over partner decisions
Risk management services may be available depending on the carrier.
Underwriting Notes and Minimum Premiums
Minimum premiums vary by carrier and the firm’s risk profile. Capitol Special Risks provides fast turnaround and streamlined submissions to help you move business quickly. We do not charge a broker fee, so your clients see more of the premium applied to coverage.
Territories and Availability
This program is available in all 50 states, including CA, TX, NY, FL, and IL. We can quote single-state and multi-state operations through both admitted and non-admitted markets to match your client’s needs and regulatory considerations.
Why Work With Capitol Special Risks?
As a wholesale broker focused on professional liability, Capitol Special Risks combines market access with underwriting expertise for law-firm EPLI placements. Our advantages for agents include:
Multiple carrier relationships for flexible placement options
Programs tailored specifically to professional services and law firms
Responsive service and quick quotes to help you compete
No broker fees
If you have a legal client growing staff, opening new offices, or undergoing internal restructuring, now is the time to review their EPLI program. Contact Capitol Special Risks to discuss appetite, submission requirements, and carrier options so you can secure the right protection for your client’s people.
In CA, Capitol Special Risks, Inc. dba: Capitol Special Risks Insurance Service – CA Fire & Casualty Agency – #0C46094
Frequently Asked Questions
What types of law firms are best suited for this EPLI program?This program is ideal for small to mid-sized law firms, especially those with multiple employees, support staff, or a formal partner track structure.
Is third-party harassment coverage included?Yes, the program includes coverage for third-party harassment and discrimination claims, which is particularly important for client-facing legal staff.
Can this program be written in all 50 states?Yes, it is available in all 50 states through multiple admitted and non-admitted markets.
What are the minimum premium requirements?Minimum premiums vary based on the carrier and risk profile, but Capitol Special Risks works to find the best option for each submission.
Does Capitol Special Risks charge a broker fee?No, Capitol Special Risks does not charge broker fees, helping you deliver cost-effective solutions to your clients.
Need help placing an account? Connect with a market specialist.