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.