https://completemarkets.com/company/capitolspecialrisks/collection-agents/
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.
https://completemarkets.com/company/huntington-t-block/museum-collections-insurance-program/
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.
https://completemarkets.com/company/abacusnet/Personal-Articles-Floater/
...ems such as jewelry, fine art, collectibles, antiques, and specialty inventory...
https://completemarkets.com/company/MidlandsManagementCorp/High-Net-Worth-Insurance/
High Net Worth individuals face complex exposures that require more than a standard homeowners policy. Your most successful clients need tailored protection and attentive service. The Midlands High Net Worth Insurance program is built to meet those demands — offering flexible, elite-level coverage and placement support for high-value homes, autos, watercraft, collections, and excess liability.
Comprehensive Coverage for Affluent Clients
Midlands provides a premier High Value Homeowners policy that can be written as a monoline homeowners form or packaged with auto, watercraft, excess liability, and private collections. The program is designed to coordinate coverages so your clients receive broad protection under one streamlined placement.
Count on Midlands for underwriting expertise and personalized placement assistance.
Available Coverages:
• Property
• Contents
• Valuable articles
• Loss of use
• Personal liability
• Equipment breakdown
• Earthquake
• Auto
• Watercraft
• Excess liability
• Private collections
Ideal Accounts and Target Profile
This program is intended for high net worth individuals and families who need tailored personal lines solutions. Typical fits include:
Primary residences valued at $500,000 or more
Luxury properties in Louisiana and Texas starting at $750,000
Coastal homes with minimum values of $1,000,000
Clients with multiple homes, high-end autos, collector vehicles, or valuable art, wine, or other collections
You might have a client who owns a $1.5M coastal vacation home, a luxury SUV fleet, and a fine wine collection — Midlands can help you package those exposures into a coordinated program with appropriate limits and endorsements.
Program Highlights and Flexibility
• Minimum property value $500,000
• Louisiana & Texas minimum property value $750,000
• Coastal minimum property value $1,000,000
• Monoline or packaged policies available
• Comprehensive support for high-value homes, autos, watercraft, excess liability, and collections
Underwriting Notes and Minimum Premiums
Midlands underwriters focus on quality risks with clear valuations and loss prevention measures. Appetite is geared toward well-maintained, documented properties and collections. Minimum property thresholds apply as noted above; premium and program specifics vary by carrier and state. Be prepared to provide detailed schedules for valuables, recent home inspections or surveys where relevant, and loss history for smooth underwriting.
Available States and Market Access
This program is available in most states, including AL, AZ, AR, CA, CO, CT, DE, FL, GA, 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.
Coverage is placed with multiple carriers, and most markets are admitted, which helps with regulatory compliance and client preferences.
Why Work With Midlands?
As a Managing General Agency and Carrier, Midlands Management Corp brings decades of experience in high net worth personal lines. Working with Midlands gives you:
Access to top-rated carriers and multiple market options
Underwriters experienced with complex, high-value exposures
Dedicated support through placement, endorsements, and policy servicing
Flexibility to structure monoline or packaged solutions to fit client needs
Midlands helps you deliver the level of protection and service affluent clients expect. For additional program details, refer to the program storefront or connect with a market specialist for placement assistance.
Frequently Asked Questions
What types of accounts are a good fit for this program?Ideal accounts include homes valued at $500,000+, luxury and coastal properties at higher minimums, clients with high-end vehicles, valuable collections, or multiple residences.
Can I write just the homeowners policy, or does it have to be a package?You can write a monoline homeowners policy or create a package that includes auto, excess liability, watercraft, and collections coverage depending on the client's needs.
What are the minimum property value requirements?Minimums are $500,000 for most areas, $750,000 in Louisiana and Texas, and $1,000,000 for coastal properties.
Which states is this program available in?The program is available in most U.S. states, including CA, TX, FL, NY, and many others. See the full state list above for details.
What carriers does Midlands work with for this program?Midlands partners with multiple top-rated carriers to provide market access and flexibility for high net worth risks.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/MidlandsManagementCorp/High-Net-Worth-Insurance
High Net Worth individuals face complex exposures that require more than a standard homeowners policy. Your most successful clients need tailored protection and attentive service. The Midlands High Net Worth Insurance program is built to meet those demands — offering flexible, elite-level coverage and placement support for high-value homes, autos, watercraft, collections, and excess liability.
Comprehensive Coverage for Affluent Clients
Midlands provides a premier High Value Homeowners policy that can be written as a monoline homeowners form or packaged with auto, watercraft, excess liability, and private collections. The program is designed to coordinate coverages so your clients receive broad protection under one streamlined placement.
Count on Midlands for underwriting expertise and personalized placement assistance.
Available Coverages:
• Property
• Contents
• Valuable articles
• Loss of use
• Personal liability
• Equipment breakdown
• Earthquake
• Auto
• Watercraft
• Excess liability
• Private collections
Ideal Accounts and Target Profile
This program is intended for high net worth individuals and families who need tailored personal lines solutions. Typical fits include:
Primary residences valued at $500,000 or more
Luxury properties in Louisiana and Texas starting at $750,000
Coastal homes with minimum values of $1,000,000
Clients with multiple homes, high-end autos, collector vehicles, or valuable art, wine, or other collections
You might have a client who owns a $1.5M coastal vacation home, a luxury SUV fleet, and a fine wine collection — Midlands can help you package those exposures into a coordinated program with appropriate limits and endorsements.
Program Highlights and Flexibility
• Minimum property value $500,000
• Louisiana & Texas minimum property value $750,000
• Coastal minimum property value $1,000,000
• Monoline or packaged policies available
• Comprehensive support for high-value homes, autos, watercraft, excess liability, and collections
Underwriting Notes and Minimum Premiums
Midlands underwriters focus on quality risks with clear valuations and loss prevention measures. Appetite is geared toward well-maintained, documented properties and collections. Minimum property thresholds apply as noted above; premium and program specifics vary by carrier and state. Be prepared to provide detailed schedules for valuables, recent home inspections or surveys where relevant, and loss history for smooth underwriting.
Available States and Market Access
This program is available in most states, including AL, AZ, AR, CA, CO, CT, DE, FL, GA, 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.
Coverage is placed with multiple carriers, and most markets are admitted, which helps with regulatory compliance and client preferences.
Why Work With Midlands?
As a Managing General Agency and Carrier, Midlands Management Corp brings decades of experience in high net worth personal lines. Working with Midlands gives you:
Access to top-rated carriers and multiple market options
Underwriters experienced with complex, high-value exposures
Dedicated support through placement, endorsements, and policy servicing
Flexibility to structure monoline or packaged solutions to fit client needs
Midlands helps you deliver the level of protection and service affluent clients expect. For additional program details, refer to the program storefront or connect with a market specialist for placement assistance.
Frequently Asked Questions
What types of accounts are a good fit for this program?Ideal accounts include homes valued at $500,000+, luxury and coastal properties at higher minimums, clients with high-end vehicles, valuable collections, or multiple residences.
Can I write just the homeowners policy, or does it have to be a package?You can write a monoline homeowners policy or create a package that includes auto, excess liability, watercraft, and collections coverage depending on the client's needs.
What are the minimum property value requirements?Minimums are $500,000 for most areas, $750,000 in Louisiana and Texas, and $1,000,000 for coastal properties.
Which states is this program available in?The program is available in most U.S. states, including CA, TX, FL, NY, and many others. See the full state list above for details.
What carriers does Midlands work with for this program?Midlands partners with multiple top-rated carriers to provide market access and flexibility for high net worth risks.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/colonialgeneral/inland-marine-insurance/
...welry and furs
Fine arts and collectibles
Musical instruments
Cameras an...perty such as jewelry, fine arts, collectibles, musical instruments, and golf ...
https://completemarkets.com/company/cochrane-and-company/inland-marine-insurance/
...king with clients who own rare collectibles, luxury jewelry, or recreational e...operty such as jewelry, fine art, collectibles, musical instruments, or conten...
https://completemarkets.com/company/pointsureindexflashhtml/Workers-Compensation-for-Contractors-and-Maritime-Employers/
Overview — PointSure: Workers' Compensation for Contractors and Maritime Employers
PointSure Insurance Services, Inc. offers a wholesale program placing Workers' Compensation and related maritime liability for contractors and maritime employers. This program is designed for agents and brokers seeking admitted capacity with SeaBright Insurance Company for construction contractors (including collectively bargained California union accounts), vessel employers, shipyards, longshore operations and other maritime exposures. Use this market when your insured needs broad workers' compensation solutions combined with USL&H and maritime employers' liability placement options.
Ideal Accounts and Appetite
Union and non-union contractors, including California collectively bargained union contractors.
Maritime employers: vessel operators, crews, ship repair and maintenance, longshore and terminal operations, marine contractors performing work on or near navigable waters.
Accounts with larger payrolls or consolidated payrolls that meet program minimums—this is a market for mid-to-large accounts rather than small single-employee risks.
Accounts with organized safety programs and documented loss control, and those able to provide standard payroll and claims details.
Coverage Highlights and Advantages
Admitted workers' compensation placement through SeaBright Insurance Company, helping agents place business with carriers acceptable to many insureds and buyers.
Integrated handling of USL&H and Maritime Employers' Liability exposures alongside statutory workers' compensation for a coordinated placement.
Program experience with collectively bargained California union contractors and specialized maritime classes that many standard markets decline or limit.
Ability to support multi-state operations and certain specialty classes with underwriting that understands marine exposures and contractor payroll structures.
Underwriting Notes and Minimum Premiums
Underwriting focuses on payroll size, loss history, class codes, and safety controls. Minimum premiums vary by coverage line and state — confirm details at submission. Typical minimums include:
Collectively bargained workers' compensation (California union contractors only): Minimum premium = $250,000
Statutory workers' compensation for contractors: Minimum premium = $75,000 in AK and HI; $250,000 in other states
Statutory workers' compensation for other classes (Alaska and Hawaii only): Minimum premium = $75,000
USL&H and Maritime Employers' Liability:
Minimum premium = $125,000 in CA
$75,000 in AK, OR and WA
$100,000 in other states
Supporting coverage available in select other states — call PointSure for details and state-by-state availability.
Please note these minimums are underwriting thresholds and subject to change; provide full submission details to get current terms.
Territories and Availability
Admitted status: All Available States. PointSure currently places business through this program in states including AZ, CA, IL, IN, IA, KY, MI, MO, NV, TX and WI, with additional state support as noted for specific coverages. Availability can vary by class and state – confirm at time of submission.
Why Work With PointSure on This Business
Wholesale broker expertise: PointSure focuses on placing complex contractor and maritime workers' compensation risks that require an underwriter familiar with marine exposures.
Carrier access: Placement through SeaBright Insurance Company provides an admitted option for many classes and helps streamline placement for insureds that prefer admitted paper.
Responsive submissions: PointSure underwriters are experienced with the documentation and payroll detail these accounts require, helping reduce turnaround for binding decisions.
Example Account Scenarios
California union contractor with multiple collective bargaining agreements seeking admitted workers' compensation coverage for large payrolls — fits the program's CA union appetite with the applicable minimums.
Regional marine contractor performing vessel repairs and dock work across WA and OR with USL&H exposures — good fit when you need coordinated maritime employers' liability and workers' compensation placement.
Frequently Asked Questions
What types of accounts are a good fit for this PointSure program?Contractors with larger payrolls (including collectively bargained California union accounts) and maritime employers with USL&H exposures — shipyards, vessel operators, longshore work and marine contractors are primary targets.
Which carrier writes this program and is the paper admitted?This program places admitted paper with SeaBright Insurance Company. Admitted availability is represented as All Available States, but state-by-state capacity and terms can vary.
What are the underwriting minimums I should expect?Minimum premiums vary by coverage and state. Examples include $250,000 minimum for CA collectively bargained workers' compensation; $75,000 minimum in AK and HI (and $250,000 in other states) for contractor statutory WC; and USL&H minimums of $125,000 in CA, $75,000 in AK/OR/WA, and $100,000 in other states. Provide a full submission to confirm current thresholds.
What submission information speeds review and quoting?Provide complete payroll breakdowns by class code, current loss runs (five years if available), details on collective bargaining where applicable, descriptions of marine operations or vessel exposure, and any written safety or return-to-work programs.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/huntington-t-block/Conservators-Fine-Arts-Insurance-Program/
Fine Arts Insurance Program for Conservators
Huntington T. Block (HTB), the largest fine arts insurance brokerage in the U.S., has partnered with the American Institute for Conservation of Historic and Artistic Works (AIC) to deliver a specialized insurance program built for professional art conservators. This exclusive Conservators Fine Arts Insurance Program is designed to provide broad, practice-specific protection for fine art and cultural property while it is in a conservator’s care—covering exposures that many standard fine art policies do not address.
Ideal Accounts and Appetite
This program targets professional conservators and restoration specialists who handle, transport, store, or treat artworks and cultural artifacts owned by others. It fits conservators who work with paintings, textiles, sculpture, paper, photograph collections, decorative arts, and mixed-media objects.
Typical good fits include:
Private conservation studios that receive museum- or collector-owned pieces for treatment.
Mobile conservators who perform on-site stabilization, cleaning, or repair at historic houses, museums, and institutions.
Small- to mid-sized conservation practices that require transit and off-site limits for client property.
Coverage Highlights and Advantages
This AIC-endorsed policy expands on standard fine arts coverage with features that address conservators’ unique exposures, including:
Coverage for property of others while in the conservator’s care, custody, and control.
Separate limits for property in transit and for items at off-site locations.
Automatic $10,000 Errors & Omissions (E&O) sublimit included to help manage professional liability exposures arising from treatment.
Optional coverage extensions for studio contents, art libraries, and field equipment.
Catastrophic peril coverage options for terrorism, earthquake, wind, and flood (subject to underwriting and availability).
Low deductibles starting at $500 and proprietary fine art policy forms that provide broad wording tailored to art risks.
Contract and insurance requirement review for conservators with third-party obligations.
Underwriting Notes and Minimum Premiums
HTB’s in-house fine arts underwriting and claims teams bring more than 200 years of combined experience to this program. With dedicated underwriting authority and a streamlined submission process, HTB typically responds to complete applications within 24 hours. Minimum premiums start at $850, making this an accessible option for small and mid-sized conservation practices.
Territories and Availability
The Conservators Fine Arts Insurance Program is available in all 50 states and the District of Columbia. Policies under this program are underwritten by Ironshore Indemnity Inc., an A.M. Best A XIV rated carrier.
Why Work With Huntington T. Block (HTB)
As a Managing General Underwriter focused exclusively on fine arts insurance since 1962, HTB offers deep niche expertise and direct access to a specialized underwriting team. Agents and brokers gain:
Proprietary fine art forms and carrier access tailored to artworks and cultural property.
Fast, responsive quoting and policy issuance from experienced underwriters.
In-house claims support familiar with the practical and technical issues involved in art conservation losses.
Guidance on contract and insurance requirements when conservators accept third-party work.
You might have a client who operates a small studio that regularly transports museum-owned portraits for treatment, or a conservator who travels to historic sites to stabilize collections after a weather event—both are examples of accounts this program is designed to place.
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 professional art conservators and restoration specialists who handle or restore artwork owned by others—whether from a fixed studio or while providing mobile services.
Does the policy cover items in transit or off-site?Yes. The policy includes separate limits for artwork in transit and for items located at off-site locations that are not owned by the conservator.
Is Errors & Omissions (E&O) coverage included?Yes. A $10,000 E&O sublimit is included automatically to help protect conservators from professional liability claims related to their services.
What is the minimum premium for this program?Minimum premiums start at $850, which makes the program accessible for many small and mid-sized conservation practices.
How quickly can quotes be provided?HTB typically provides quotes within 24 hours for complete submissions, thanks to its in-house underwriting authority and specialized fine arts team.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/monarch-es-insurance/personal-article-floater/
At Monarch E&S, we offer comprehensive Personal Article Floaters Insurance designed to help your clients protect their valuable personal property. Whether you're looking to place a single high-value item or a multi-million-dollar collection, our flexible underwriting approach gives you the ability to tailor coverage to a wide range of needs. We write business through both admitted and non-admitted markets, with options that include full earthquake coverage and minimal or no deductibles.
Ideal Accounts and Target Classes
Our program is designed for clients with high-value personal possessions. We are especially competitive in the following classes:
Jewelry
Fine Arts
Silver
Wines
Sports Memorabilia
You might have a client with a rare art collection, an extensive wine cellar, or a custom-designed jewelry piece—our Personal Article Floaters program is built to offer specialized protection for these types of assets.
Coverage Highlights and Advantages
We can write coverage on a Scheduled, Unscheduled, or Blanket basis to suit the needs of your insureds. Our standard form is written on a stated value basis, but we can amend policy terms to address specific account needs.
Worldwide coverage including transit options
Coverage available on Named Location Only or broader geographic scopes (Continental USA/Canada or Worldwide)
Access to multiple markets, both admitted and non-admitted
Minimal deductible options, including full Earthquake coverage
Underwriting Notes and Minimum Premiums
We can accommodate a wide range of limits, from single-item policies to large schedules exceeding several million dollars in value. Our minimum premium starts at $250, making this program accessible for both smaller and larger accounts. We take a flexible underwriting approach and work closely with brokers to structure coverage that fits.
Territories and Availability
Our Personal Article Floaters Insurance program is available in the following states:
Arizona (AZ)
California (CA)
Hawaii (HI)
Nevada (NV)
Texas (TX)
We can also place coverage in states that accept out-of-state courtesy filings, providing broader access as needed.
Why Work With Monarch E&S
As a trusted Managing General Agency and Excess & Surplus Lines Broker, Monarch E&S offers access to a wide array of markets and underwriting expertise. Our strength lies in our ability to place complex or high-value risks that often fall outside standard personal lines offerings. We’re responsive, knowledgeable, and committed to helping you deliver tailored solutions to your clients.
Contact Monarch E&S today to discuss your Personal Article Floaters accounts and learn how we can help you secure the right coverage for your clients.
Frequently Asked Questions
What types of accounts are a good fit for this program?Ideal accounts include clients with high-value items such as jewelry, fine art, wine collections, silverware, or sports memorabilia. Both individual items and large collections are eligible.
Can this program cover clients with items located outside the U.S.?Yes. We offer worldwide coverage options, including protection during transit. Policies can be tailored to include coverage outside the U.S. and Canada.
Is this coverage available on an admitted or non-admitted basis?We offer coverage through both admitted and non-admitted markets, depending on the specific risk and jurisdiction.
What is the minimum premium for this program?The minimum premium starts at $250, with flexibility based on the value and scope of the items insured.
Do you write business in all 50 states?We currently offer this program in AZ, CA, HI, NV, and TX. We can also write in states that accept out-of-state courtesy filings.
Need help placing an account? Connect with a market specialist.