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Collection Agents Insurance Program from Donald Gaddis Company Donald Gaddis Company offers a Collection Agents Insurance program designed for the specific liability exposures collection agencies and collection law firms encounter. As a wholesale broker with deep experience in this niche, we provide tailored professional liability and E&O solutions that reflect the realities of a business that relies on frequent outbound communications — calls, letters, emails, and faxes. Many standard professional liability policies contain exclusions for unsolicited communications. While those exclusions target spam or telemarketing abuses, they can unintentionally leave collection firms exposed because contacting consumers is central to their operations. We work with carriers to identify markets and negotiate coverage terms that address those communication-related gaps. Ideal Accounts and Appetite We place accounts for a range of collection-focused operations, including: Third-party debt collection agencies Collection attorneys and law firms Medical debt recovery agencies Retail and commercial receivable collection firms Accounts with frequent low-severity nuisance activity are evaluated on context; frequent minor complaints are not an automatic declination if loss patterns and controls are reasonable. Coverage Highlights and Advantages Negotiated coverage for claims tied to common communication practices (phone, email, fax, mail) Options to limit reporting of minor nuisance claims—particularly those resolved below a deductible threshold High-deductible structures with flexibility on reporting and claim handling Custom E&O and professional liability wording geared to collection industry exposures These features help protect insureds from harassment allegations, FDCPA-style claims, and other communication-based exposures that frequently generate complaints even when litigation does not follow. Underwriting Notes We maintain a fluid list of carrier partners, enabling us to match submissions to the best available market. Our underwriters understand the operational drivers of the collection industry and will work with you to structure terms that fit the account. Key items underwriters review include training and quality-control processes for collectors, complaint handling and dispute documentation, volume and type of outreach, and any prior claim patterns. We can help present accounts with frequent low-severity incidents in a way that emphasizes controls and risk management. Territories and Availability 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. Policies may be admitted or non-admitted depending on the carrier selected and state filing requirements. Why Work with Donald Gaddis Company? As a wholesale broker focused on niche professional lines, Donald Gaddis Company brings market access, technical underwriting knowledge, and advocacy. We understand how to negotiate terms that reflect the practical needs of collection firms and to frame submissions so carriers see the full picture—controls, procedures, and claim context. Example scenarios where this program fits: You have a mid-sized third-party collector that makes high volumes of outbound calls and has several nuisance complaints a year but no lawsuits. We can seek terms that avoid inflating loss runs with every minor incident. You represent a small collection law firm that wants professional liability coverage that explicitly addresses communication exposures typically excluded by standard E&O forms. We can target markets that will consider negotiated communication coverage. If you need help placing an account that struggles with exclusions tied to core collection activities, or you want a market that understands frequent low-severity complaint patterns, connect with our underwriting team. 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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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.

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.

... arts, wine and other valuable collectibles. Overview — Insurance for Fine Art & Collectibles Enterprises Phoenix Risk Managemen...stions What types of fine art and collectibles accounts does FACE prefer?FACE ...

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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.

Commercial Galleries and Private Art Dealers Insurance Program – Exclusive Fine Arts Coverage from Huntington T. Block (HTB) As an insurance agent or broker serving art galleries and private art dealers, you understand how critical it is to protect valuable and often irreplaceable collections. Huntington T. Block (HTB) offers a dedicated Commercial Galleries and Private Art Dealers Insurance Program designed to meet the specialized needs of commercial galleries and fine art dealers across the U.S. Overview of the Program From Huntington T. Block HTB has been a trusted name in fine arts insurance since 1962. Our in-house team combines deep industry experience in both insurance and the fine arts community, giving brokers direct access to professionals who understand the unique exposures your clients face—from valuation and transit to exhibit risks and loss mitigation. We work with Ironshore Indemnity Inc. and offer admitted coverage in all available states. Our program is tailored to address the diverse and global nature of art transactions, with coverage structured for both domestic and international risks. Ideal Accounts and Appetite This program is best suited for: Commercial art galleries Private art dealers Members of professional art associations, such as ADAA and IFPDA You might have a client who travels internationally to exhibit artwork or who rotates high-value pieces in and out of private collections. HTB’s program is designed to protect those types of exposures with robust, wall-to-wall coverage. Coverage Highlights and Advantages Exclusive fine arts underwriting facility with over 60 years of experience All-risk coverage, including breakage Worldwide transit and location coverage—“wall-to-wall” protection Blanket limits for property in the care, custody, and control of the insured Special clauses for “Loss Buy Back” and “Pairs and Sets” Coverage for works of art on loan, in transit, or at exhibitions/fairs Depreciation coverage for value lost after damage Low deductibles starting at $1,000 In-house fine arts claims department with authority to settle quickly Insurance requirement and contract review services CAT coverage for terrorism, earthquake, wind, and flood (subject to underwriting) We also provide a specialized Dealers Form for members of ADAA and IFPDA, offering tailored enhancements to meet association standards. Underwriting Notes and Minimum Premiums HTB offers both standard and special insurance programs with competitive rates. Our in-house quoting authority enables a typical turnaround of 24 hours for complete submissions. Minimum premiums start at $2,500, and we evaluate each submission based on the specific risks and operations of the gallery or dealer. Territories and Availability This program is available in all 50 states and the District of Columbia, including key art hubs such as New York, California, Florida, and Texas. HTB is licensed nationwide and can offer admitted solutions through Ironshore Indemnity Inc. Why Work With Huntington T. Block HTB is more than an insurance provider—we are fine arts advocates with over 200 years of cumulative industry experience. Our long-standing relationships with professional associations such as the Art Dealers Association of America (ADAA), International Fine Art Printers Association (IFPDA), and the New Art Dealers Alliance (NADA) demonstrate our commitment to the sector. Partnering with HTB gives you and your clients access to a niche insurance program that understands the business of art from every angle. Whether your client is a dealer managing rotating inventory or a gallery hosting international exhibits, HTB provides the protection and expertise you need to place business with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?The program is ideal for commercial art galleries and private art dealers, including those who participate in exhibitions, art fairs, or manage artwork on consignment or loan. Is this program available in all states?Yes, the program is available in all 50 states and the District of Columbia. Coverage is offered on an admitted basis through Ironshore Indemnity Inc. What is the minimum premium for this program?The minimum premium starts at $2,500, with pricing based on exposure, risk profile, and underwriting review. Does the program cover international transit and exhibitions?Yes, the policy provides worldwide “wall-to-wall” coverage, including domestic and international transit and art displayed at exhibitions or fairs. Are there any special benefits for members of art associations?Yes, members of ADAA and IFPDA may qualify for a Special Dealers Form that includes tailored enhancements specific to their association’s standards. Need help placing an account? Connect with a market specialist.

Private Client Services Insurance offered from private property to private aircraft! Overview — Maritime Program Group Private Client Services Insurance Maritime Program Group (MPG) offers a dedicated Private Client Services Insurance program that gives agents access to the industry’s leading high-net-worth personal lines carriers. Our program combines broad market access with tailored underwriting and concierge-level service so you can place complex personal accounts with confidence. Partner carriers include AIG Private Client Group, Chubb, ACE, IronShore and NatGen. Ideal Accounts and Appetite This program is designed for high-net-worth individuals and families with multiple or high-value exposures. Typical accounts include: Primary and secondary residences (including historic and custom homes) High-value automobiles and collector cars Yachts, superyachts and recreational boats Private aircraft High limits of personal excess liability (umbrella/excess) Collections — fine art, jewelry, wine, antiques and memorabilia Family offices, private staff, travel risk (kidnap & ransom) and related personal risk programs The program is intended for accounts where tailored limits, agreed-value settlements, and specialty coverage forms are needed — not for small, standard personal lines risks. Coverage Highlights and Advantages Market access: Direct placement access to top high-net-worth carriers and specialty underwriters. Customized programs: Agreed value, guaranteed replacement cost, fine art scheduled coverage, enhanced auto and yacht endorsements, and personal excess limits up to $100 million. Risk management support: Pre-placement risk review and tailored recommendations that go beyond standard policy language. Dedicated claims service: Specialist claims units focused on high-value and complex personal claims. Strong financial backing: Carrier partners meet high financial strength standards and are licensed across the country. Underwriting Notes and Minimum Premiums Underwriting is account-specific. Submissions should include current valuations, schedules for collections, recent loss history, and details on protective measures (security systems, alarms, vessel/aircraft maintenance). Minimum premium and retention vary by carrier and line — please note the program lists “Varies” for minimum premium. For complex accounts, provide full inventories and appraisal documentation where available. Territories and Availability The program is available nationwide; our carrier partners are licensed to write high-net-worth business across all states and the District of Columbia. Please confirm state availability and admitted vs. non-admitted options on a per-submission basis, as placement options may differ by carrier and line. Why Work With Maritime Program Group Specialized placement expertise: MPG focuses on high-net-worth personal lines and places unique, high-value risks that require specialized forms and endorsements. Concierge service model: We offer coordinated underwriting, risk management guidance, and claim advocacy to protect your clients’ complex interests. Multiple carrier relationships: Broad market access increases the likelihood of finding the right fit for unusual or layered risks. Example account scenarios You have a client with a primary residence valued for guaranteed replacement cost, a secondary coastal home, two collector cars on agreed value, and a scheduled fine art collection — this program can assemble the required home, auto, and collection coverages with coordinated liability limits. You represent a client who owns a midsize yacht and a private single-engine aircraft and needs excess liability and kidnap & ransom protection for family travel — MPG can combine marine, aviation, excess liability, and travel-risk solutions through our carrier panel. For placement inquiries or to submit an account, contact Maritime Program Group today through your usual wholesale channel or via the CompleteMarkets storefront. Frequently Asked Questions What types of accounts are a good fit for Maritime’s Private Client Services Insurance program?Accounts that are high-net-worth and include one or more high-value exposures — such as custom homes, secondary residences, collector autos, yachts, private aircraft, substantial collections, or family office exposures — are a good fit. The program is built for policies that require agreed value, scheduled items, and higher liability limits. Which carriers participate and how does that affect placement?MPG works with specialty carriers and private client units including AIG Private Client Group, Chubb, ACE, IronShore and NatGen. Carrier appetite and available endorsements vary, so we recommend submitting complete account details to determine the best market fit. Are these coverages available in my state and are they admitted?The program is available nationwide, with carriers licensed to operate in all states and DC. Admitted versus non-admitted placement depends on the carrier, the line, and the specific risk. We will confirm available options on each submission. What should I include with a submission to improve turnaround?Provide a summary of exposures, current policy forms and limits, recent loss runs, valuations/appraisals for homes, autos and collections, vessel/aircraft details, and any risk-control measures in place. Complete documentation helps underwriters assess the account and shortlist appropriate carriers. Need help placing an account? Connect with a market specialist.

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.