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Collection Agents Insurance Program from Donald Gaddis Company At Donald Gaddis Company, we understand the unique liability exposures that collection agencies and collection law firms face. As a wholesale broker with deep experience in this niche, we offer tailored insurance solutions that account for the realities of your clients’ business—especially when it involves frequent outbound communications like calls, emails, or letters. Many standard professional liability policies exclude coverage for unsolicited communications, including faxes, calls, and emails. While these exclusions are meant to address spam or telemarketing violations, for collection firms, such contact is a core part of business operations. That’s why we work closely with carriers to identify and negotiate coverage options specific to the collection industry, helping to close gaps that may otherwise leave your client exposed. Ideal Accounts and Appetite We specialize in working with: Debt collection agencies Collection attorneys and law firms Third-party collection firms Medical debt and retail collection agencies Accounts with a history of frequent, but low-severity claims are not automatically disqualified. We understand the nature of the business and evaluate submissions with that context in mind. Coverage Highlights and Advantages Negotiated coverage for claims related to communication practices (e.g., phone calls, emails, letters) Options to avoid reporting every single nuisance claim—especially ones settled under deductible thresholds High-deductible options with flexibility on reporting requirements Customized E&O and professional liability solutions for the collection industry We help protect your insured from common threats like harassment claims, FDCPA-related allegations, and other communication-based exposures that often trigger claims—even if they don't result in litigation. Underwriting Notes We work with a fluid list of carriers, allowing us to match your submissions with the right market. Our underwriting team is familiar with the nuances of collection industry exposures and will help guide agents through structuring coverage appropriately. Minimum premiums vary depending on account size, deductible structure, and claims history. We can assist in presenting challenging accounts effectively to underwriters. States Where This Program Is Available We can write business in most states, including: AL, AZ, CA, CO, FL, GA, HI, IL, IN, IA, KS, MI, MN, MO, NE, NY, NC, OH, OK, PA, SC, TN, TX, VA, WV, and WI. Why Work with Donald Gaddis Company? As a wholesale broker with industry-specific expertise, we bring more than just access to markets—we bring insight and advocacy. We know the collection industry and how to work with carriers to get realistic and workable coverage terms. Whether your client is a small agency or a multi-state firm, we can help you navigate exclusions, high deductibles, and frequent but minor claim activity. If you have a client who receives frequent demand letters but rarely sees a formal lawsuit, or one who struggles with exclusions related to their core business practices, we can help you find the right solution to protect them—and you. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for debt collection agencies, collection law firms, and third-party debt recovery firms, including those specializing in medical or retail collections. How does the program handle nuisance claims?We offer options that allow insureds to avoid reporting every minor claim, especially those settled under a certain percentage of their deductible. This helps reduce unnecessary loss run entries. Can you cover claims related to communication practices?Yes. We work with carriers to negotiate coverage for exposures related to phone calls, emails, faxes, and other forms of contact that are typical in the collection industry. What states is this program available in?We can place business in most states, including AL, AZ, CA, CO, FL, GA, HI, IL, IN, IA, KS, MI, MN, MO, NE, NY, NC, OH, OK, PA, SC, TN, TX, VA, WV, and WI. Do you require reporting of every claim or incident?No. For insureds with high deductibles, we can often structure terms that allow them to report only significant claims—typically those exceeding 50% of the deductible. Need help placing an account? Connect with a market specialist.

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Collection Agency Professional Liability Insurance offered through Monarch E&S Insurance is designed to help agents and brokers place coverage for their collection agency clients who are exposed to professional liability risks. This product provides protection against alleged wrongful acts arising from the professional services of third-party debt collection—specifically when the agency is collecting non-owned debt for a fee. Overview of the Program From Monarch E&S Insurance Monarch E&S Insurance is a trusted Managing General Agency and Excess & Surplus Lines Broker with access to multiple carriers. This program is offered on a non-admitted basis and is tailored for commercial collection agencies operating on behalf of clients. With flexible underwriting and access to multiple markets, Monarch E&S helps agents secure customized solutions for a wide range of collection businesses. Ideal Accounts and Appetite This program targets third-party commercial collection agencies that perform debt recovery for clients. Ideal accounts include: Agencies collecting on behalf of financial institutions, healthcare providers, utilities, or professional services Firms with a clean claims history and established operational procedures Operations focused on business-to-business collections rather than consumer debt Accounts that engage in high-risk consumer collections or have a history of regulatory violations may not qualify. Coverage Highlights and Advantages Limits available from $1,000,000 to $5,000,000 Minimum Self-Insured Retention (SIR) of $5,000 Personal Injury Insurance Coverage available for select risks Defense costs are outside the limits on qualifying accounts Prior Acts Coverage may be offered for eligible risks This product helps protect your clients from professional liability claims including negligence, errors or omissions in service, and personal injury allegations such as libel or slander arising from collection practices. Underwriting Notes and Minimum Premiums The minimum premium for this program starts at $2,500. Underwriting will consider factors such as years in business, types of debt collected, loss history, internal controls, and compliance procedures. Monarch E&S works closely with agents to obtain the necessary documentation and deliver timely quotes. Territories and Availability This program is available to agents and brokers placing business in the following states: Arizona (AZ) California (CA) Hawaii (HI) Nevada (NV) Texas (TX) Why Work With Monarch E&S on This Business Monarch E&S brings decades of experience in the E&S market and understands the unique exposures faced by collection agencies. Their access to multiple non-admitted carriers allows for competitive options even in complex or hard-to-place scenarios. Agents benefit from responsive service, knowledgeable underwriters, and a streamlined submission process. Contact Monarch E&S today to discuss your Collection Agency Professional Liability Insurance accounts and get the solutions your clients need. Frequently Asked Questions What types of accounts are a good fit for this program?Commercial collection agencies that collect third-party debt for a fee, especially those with business-to-business operations and clean claims histories, are ideal candidates. Is this program available on an admitted basis?No, this program is offered on a non-admitted basis through Monarch E&S Insurance. What are the coverage limits and retention options?Limits range from $1 million to $5 million, with a minimum self-insured retention (SIR) of $5,000. Can prior acts coverage be included?Yes, prior acts coverage may be available for qualified risks, subject to underwriting review. In which states is this program offered?The program is currently available in Arizona, California, Hawaii, Nevada, and Texas. Need help placing an account? Connect with a market specialist.

Professional Liability Insurance for Collection Agencies Capitol Special Risks offers a specialized Collection Agents Insurance program designed to help agents and brokers place Professional Liability coverage for collection agencies. With increasing legal scrutiny and a growing number of lawsuits involving alleged violations of consumer protection laws, the need for this coverage has never been greater. Why Collection Agencies Need E&O Coverage Collection agencies face unique exposures, especially related to the Fair Debt Collection Practices Act (FDCPA), Telephone Consumer Protection Act (TCPA), and other consumer protection laws. Even when claims are frivolous, legal defense costs can be significant. Our program provides access to coverage that includes defense for allegations of improper collection practices, misrepresentation, and failure to comply with relevant regulations. Ideal Accounts and Appetite Our program is a strong fit for: Third-party collection agencies Debt buyers Medical collection firms Accounts receivable management firms You might have a client who operates a mid-sized agency specializing in medical collections or a firm that handles delinquent retail accounts — both would be excellent candidates for this program. Coverage Highlights and Advantages Professional Liability (E&O) tailored for collection agencies Defense coverage for alleged violations of FDCPA, FCRA, and similar consumer laws Coverage available through multiple carriers Non-admitted markets provide flexibility for complex risks Fast turnaround on quotes No broker fee Underwriting Notes and Minimum Premiums We understand the nuances of underwriting for collection agents and can help you navigate carrier appetites and coverage options. Minimum premiums vary based on risk profile and carrier, and our team works quickly to identify the best available terms for your client’s needs. Available Nationwide Capitol Special Risks provides access to this program in all 50 states, including CA, TX, NY, FL, and IL. No matter where your client operates, we have the markets and expertise to assist. Why Work With Capitol Special Risks As a wholesale broker with deep experience in niche professional liability markets, Capitol Special Risks knows where and how to place difficult collection agency risks. Our strong carrier relationships and focused underwriting approach allow us to deliver competitive, tailored solutions quickly. We support our agents with responsive service and a commitment to helping you close business efficiently — and we never charge a broker fee. In CA, Capitol Special Risks, Inc. dba: Capitol Special Risks Insurance Service - CA Fire & Casualty Agency - #0C46094 Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include third-party collection agencies, debt buyers, and firms focused on medical or retail debt collections. Does this program provide defense for consumer protection lawsuits?Yes, the program offers defense coverage for suits alleging violations of regulations like FDCPA, FCRA, and similar consumer protection laws. Is coverage available nationwide?Yes, Capitol Special Risks offers this program in all 50 states. Are multiple carriers available for this coverage?Yes, we have access to multiple non-admitted carriers, allowing for flexible placement options tailored to your client’s risk profile. Is there a broker fee for placing business through this program?No, Capitol Special Risks does not charge a broker fee for this program. Need help placing an account? Connect with a market specialist.

Corporate Collections Insurance Program – Exclusive Fine Arts Coverage Art collections aren’t just decorations—they’re assets that reflect a corporation’s culture, brand, and long-term investment. As a trusted name in fine arts insurance since 1962, Huntington T. Block (HTB) offers a specialized solution to protect corporate art collections of all sizes and types. Designed in collaboration with museum professionals, gallery owners, and private collectors, HTB’s Corporate Collections Insurance Program is one of the most comprehensive offerings in the U.S. market. Ideal Accounts and Appetite This program is designed for corporations that own or manage valuable art collections, display artwork in offices or headquarters, or loan pieces for exhibitions. Ideal clients include: Fortune 500 companies with curated in-office art collections Corporate headquarters featuring rotating or permanent exhibitions Companies that loan art to galleries, museums, or commercial dealers Firms with privately owned or jointly owned artwork You might have a client with a multi-location office setup displaying original artwork, or a company that frequently ships art between offices or to exhibitions—both are great candidates for this program. Coverage Highlights and Advantages HTB’s program is backed by decades of fine arts underwriting knowledge and offers one of the broadest coverage forms in the industry. Coverage includes: Worldwide protection for owned and loaned artwork Scheduled or blanket limits available Coverage for domestic and international transits Legal liability coverage for property of others Coverage for jointly owned items and privately owned collections Protection for artwork at multiple locations under a single master policy Coverage during exhibitions and while on loan Low deductibles starting at $1,000 Automatic reinstatement of limits after each loss Optional CAT coverage for terrorism, earthquake, wind, and flood (subject to underwriting) Underwriting Notes and Minimum Premiums HTB has in-house quoting authority for fast turnaround—typically within 24 hours for complete submissions. Claims are handled by an in-house fine arts team with authority to settle quickly and knowledgeably. Contract and insurance requirement reviews are also available. Minimum premiums typically start at $2,000. Territories and Availability This program is available in all 50 states and Washington, D.C. It is written on paper from Ironshore Indemnity Inc., an A XV rated carrier by A.M. Best. Admitted coverage is available where applicable. Why Work With HTB? As the first firm to launch a stand-alone fine arts insurance program, HTB brings unmatched expertise to the table. With over 60 years of dedicated service to the arts and corporate sectors, HTB offers agents and brokers a reliable, expert-driven solution backed by responsive service, deep underwriting knowledge, and longstanding carrier partnerships. Whether your client is building a collection or already owns a significant portfolio, HTB can help protect their investment with industry-leading coverage and service. Frequently Asked Questions What types of accounts are a good fit for this program?Corporations with owned or loaned fine art collections, including those displayed in offices, stored off-site, or loaned to exhibitions, are ideal candidates. Is this program available nationwide?Yes, the Corporate Collections Insurance Program is available in all 50 states and Washington, D.C. What is the minimum premium for this program?The minimum premium typically starts at $2,000, depending on the risk profile and coverage needs. How quickly can I get a quote?HTB offers in-house quoting authority with typical turnaround times of 24 hours for complete submissions. Does the program include transit coverage?Yes, the policy includes coverage for domestic and international transits, as well as protection while artwork is on loan or in storage. Need help placing an account? Connect with a market specialist.

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University Special Collections Insurance Program – Exclusive Fine Arts Coverage for Colleges and Universities Offered by Huntington T. Block (HTB), the University Special Collections Insurance Program is a tailored solution for colleges and universities seeking robust coverage for their irreplaceable fine art and special collections. Since 1962, HTB has led the fine arts insurance sector, combining deep art world expertise with strong underwriting capabilities to serve over 3,000 art-related clients nationwide. Ideal Accounts and Appetite This program is designed specifically for higher education institutions with valuable art assets, archives, rare manuscripts, or historical artifacts. Ideal accounts include: Universities with permanent art collections Colleges with rotating exhibitions or traveling displays Campuses housing libraries of rare books, manuscripts, or special collections Institutions hosting loaned works from museums or private collectors Whether your client is a small liberal arts college or a major research university, HTB can craft coverage that protects their most treasured holdings. Coverage Highlights and Advantages HTB’s University Special Collections Insurance Program offers one of the broadest coverage forms available in the U.S. for fine arts and related property: Exclusive fine arts underwriting facility since 1962 In-house quoting authority for most complete submissions – typically within 24 hours Dedicated fine arts claims department with settlement authority for faster resolutions Coverage from A XV rated carriers (A.M. Best) Property covered includes artworks, historic items, rare books, manuscripts, and more Automatic coverage for items on loan or when instructed to insure by third parties Protection for display materials such as frames, crates, vitrines, video equipment, and registration records Blanket coverage across all university locations Optional CAT coverage for Terrorism, Earthquake, Wind, and Flood (subject to underwriting) “Wall-to-wall” coverage for both permanent and temporary exhibits $1,000 deductible waived for works on loan or in transit Fast issuance of policies, renewals, and certificates Customizable solutions supported by HTB’s $400M in-house binding authority Underwriting Notes and Minimum Premiums This program is available for a minimum premium of $2,000. HTB’s in-house underwriters provide quick turnaround on complete submissions and can tailor terms to match each institution’s unique exposures. Agents benefit from HTB’s expertise in reviewing contracts and insurance requirements related to art loans and exhibitions. Territories and Availability The University Special Collections Insurance Program is available in all U.S. states and the District of Columbia, including AK, CA, FL, NY, TX, and many more. Coverage is offered on both admitted and non-admitted paper, depending on the state and insured’s needs. Why Work With Huntington T. Block HTB stands apart as a Managing General Underwriter with over 60 years of experience focused exclusively on fine arts insurance. Their team includes professionals with deep roots in both the art world and insurance industry, making them uniquely qualified to understand and respond to the needs of colleges and universities. Whether you’re placing coverage for a small collection of rare manuscripts or a large university museum, HTB can help you deliver a best-in-class solution for your client’s most valuable assets. Huntington T. Block Insurance Agency, Inc. is a licensed insurance producer in all states; Texas License # 17489; operating in CA under License # 0825502.All descriptions, summaries or highlights of coverage are for general informational purposes only and do not amend, alter or modify the actual terms or conditions of any insurance policy. Coverage is governed only by the terms and conditions of the relevant policy. Frequently Asked Questions What types of accounts are a good fit for this program?Colleges and universities with permanent art collections, traveling exhibits, rare books, or other special collections are ideal fits. Institutions that loan or borrow artwork also benefit. How quickly can I get a quote for my client?HTB typically provides quotes within 24 hours for complete submissions, thanks to their in-house quoting authority. Does the coverage include items on loan or in transit?Yes, the policy includes "wall-to-wall" coverage that extends to items on loan and while in transit. The standard deductible is waived in these scenarios. Can this program cover multiple campus locations?Yes, blanket coverage is offered across all university-owned locations, simplifying policy management for multi-campus institutions. Is terrorism or flood coverage available?Yes, CAT coverage for perils like terrorism, earthquake, wind, and flood is available, subject to underwriting approval. Need help placing an account? Connect with a market specialist.

Museum Collections Insurance Program – Exclusive Fine Arts Coverage for Museums and Historical Societies Huntington T. Block Insurance (HTB) is the oldest and largest fine arts insurance brokerage in the United States. With roots dating back to 1962 and a long-standing partnership with the American Alliance of Museums (AAM) since 1980, HTB is a trusted name in insuring museum collections, historic artifacts, and cultural treasures. HTB’s Museum Collections Insurance Program is tailored specifically for museums, historical societies, and similar institutions seeking comprehensive fine arts protection. Designed in collaboration with museum professionals and industry experts, this proprietary program delivers one of the broadest fine arts policy forms available in today’s marketplace. Ideal Accounts and Appetite This program is ideal for: Museums (public, private, university-affiliated, and specialized) Historical societies and cultural institutions Nonprofit organizations with significant fine art collections Libraries and archives with valuable historical materials Whether your client is a large metropolitan museum or a small regional historical society, HTB offers tailored solutions to cover permanent collections, rotating exhibits, loaned items, and more. For example, you might have a client who manages a local maritime museum with a rotating exhibit of rare ship models and antique navigational tools. HTB’s program can provide wall-to-wall protection for these items, whether they are on display, in transit, or in storage. Coverage Highlights and Advantages Exclusive Fine Arts underwriting facility since 1962 In-house quoting authority for fast turnaround—typically within 24 hours for complete submissions Dedicated Fine Arts claims department with unique settlement authority Low deductibles starting at $1,000 Broad protection through proprietary Fine Arts policy forms Worldwide coverage for insured property, including collection and loaned objects Blanket limits available for collection and loaned items Coverage enhancements such as terrorism, earthquake, and wind (subject to underwriting) Comprehensive valuation clause and expanded definition of insured property Subrogation waivers and contract review services Discounts available for AAM members and accredited institutions Coverage provided by carriers rated A XV by A.M. Best Company Underwriting Notes and Minimum Premiums HTB offers competitive premiums with a minimum premium starting at $1,750 for a $1 million aggregate limit. Their team of expert underwriters brings over 200 collective years of experience and focuses exclusively on fine arts coverage, allowing for efficient and knowledgeable risk assessment. Territories and Availability This program is available in all 50 states and Washington, D.C., giving agents nationwide access to HTB’s specialized offerings. The program is admitted where applicable and underwritten by Ironshore Indemnity Inc., a highly rated carrier. Why Work With Huntington T. Block? HTB is not just another insurance provider—they are fine arts insurance specialists with decades of experience and a deep understanding of the unique risks associated with museum collections. Their exclusive focus, quick turnaround, and trusted industry relationships make them a go-to partner for agents placing this type of niche business. Over 1,200 museums already rely on HTB for their fine arts coverage. As an agent, you can offer your clients peace of mind backed by a team that lives and breathes museum insurance. Huntington T. Block Insurance Agency, Inc. is a licensed insurance producer in all states; Texas License # 17489; operating in CA under License # 0825502. All descriptions, summaries or highlights of coverage are for general informational purposes only and do not amend, alter or modify the actual terms or conditions of any insurance policy. Coverage is governed only by the terms and conditions of the relevant policy. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for museums, historical societies, cultural institutions, libraries, and nonprofits with valuable collections or art exhibits. Is coverage available for items on loan or in transit?Yes. The program provides wall-to-wall coverage, including items that are on display, in storage, in transit, or on loan to or from other institutions. How quickly can I get a quote?HTB typically provides quotes within 24 hours of receiving a complete submission, thanks to in-house quoting authority. Are there discounts for accredited institutions?Yes. Discounts are available for American Alliance of Museums (AAM) members and accredited institutions. What is the minimum premium for this program?The minimum premium starts at $1,750 for a $1 million aggregate limit of coverage. Need help placing an account? Connect with a market specialist.

Municipality Fine Art Collections Insurance Program - Exclusive Fine Arts Coverage for State and Local Municipal Governments Huntington T. Block (HTB) is the premier fine arts insurance brokerage in the United States. As the original architect of the "all risk, wall-to-wall" fine arts policy, HTB continues to lead the market by offering tailored insurance solutions for public and private art collections across the country. HTB insures over 1,000 museums, 500 art galleries, and numerous Fortune 500 companies and universities. Their expertise extends to helping state and local municipal governments protect their collections of paintings, sculptures, rare books, historic artifacts, and more. Ideal Accounts and Appetite HTB’s Municipality Fine Art Collections Insurance Program is specifically designed for: City, county, and state-owned museums or historical collections Public universities and libraries with significant art or rare book holdings Municipal buildings housing curated art exhibits or permanent collections Public-sector collections on loan or display in government facilities Whether your client is a city hall displaying regional artwork or a state archive with irreplaceable historical objects, HTB’s program is engineered to meet the unique needs of public institutions. Coverage Highlights and Advantages This program offers robust coverage designed by fine arts professionals and insurance experts. Key features include: “All risk” coverage with proprietary broad-form policy language Low deductibles starting at $1,000 Blanket limits for both owned and loaned objects Worldwide coverage for collections in transit or on exhibit CAT coverage available for terrorism, earthquake, and wind (subject to underwriting) Subrogation waivers, contract review, and expanded insured property definitions Comprehensive valuation clause to support proper settlement HTB’s in-house claims department offers specialized support with unique settlement authority, ensuring claims are handled with the care these valuable assets require. Underwriting Notes and Minimum Premiums HTB has exclusive fine arts underwriting authority and can typically provide turnaround within 24 hours for complete submissions. The minimum premium starts at $1,750 for a $1 million aggregate limit, making it a competitive option for municipal budgets. Territories and Availability This program is available in all 50 states and Washington, DC. No matter where your municipal client is located—from New York to California, or Alaska to Florida—HTB has the licensing and underwriting capabilities to serve them. Why Work With Huntington T. Block HTB has been exclusively focused on fine arts coverage since 1962. Their senior staff brings over 200 years of combined experience, and the program is backed by an A-rated carrier, Ironshore Indemnity Inc. Trusted by the American Alliance of Museums (AAM) and the American Institute for Conservation (AIC), HTB is a name agents can feel confident presenting to clients. If you’re working with a municipality that needs tailored protection for their fine art holdings, HTB offers one of the most experienced and responsive markets available. Huntington T. Block Insurance Agency, Inc. is a licensed insurance producer in all states; Texas License # 17489; operating in CA under License # 0825502. All descriptions, summaries or highlights of coverage are for general informational purposes only and do not amend, alter or modify the actual terms or conditions of any insurance policy. Coverage is governed only by the terms and conditions of the relevant policy. Frequently Asked Questions What types of municipal accounts are a good fit for this program?This program is ideal for public museums, libraries, universities, and government buildings that house or exhibit fine art, historical artifacts, or rare collections. What is the minimum premium for this program?The minimum premium starts at $1,750 for a $1 million aggregate limit, making it accessible for a wide range of municipal budgets. What coverage is available for loaned or traveling art?The program includes blanket limits for both owned and loaned objects, with worldwide coverage for items in transit or on exhibit. Is CAT coverage available through this program?Yes, coverage for terrorism, earthquake, and wind is available, subject to underwriting approval. How quickly can I get a quote?HTB typically provides quotes within 24 hours for complete submissions, thanks to their in-house underwriting authority. Need help placing an account? Connect with a market specialist.

...luable personal and commercial collectibles. Backed by an A Rated, XV Admitted... items such as jewelry, fine art, collectibles, antiques, and specialty invent...