https://completemarkets.com/company/ipmg/collectibles-insurance/
Insurance Program Managers Group (IPMG) offers a specialized Collectible Insurance Program designed to protect valuable personal collections and dealer inventories of antiques and collectibles. This program gives independent agents and brokers a competitive solution for clients who need more comprehensive protection than a standard homeowners policy can offer.
Ideal Accounts and Appetite
This program is ideal for:
Private collectors with valuable personal collections
Dealers with inventory in antiques and collectibles
Clients displaying collections at exhibitions or transporting items
Whether your client owns a single valuable item or an extensive multi-location collection, IPMG can help you place coverage that fits their unique risk profile.
Coverage Highlights and Advantages
Competitive Rates – Often lower than scheduling individual items on a homeowners policy
No Appraisals or Inventories Required – For most items under $5,000 in value
High Property Limits – Up to $15 million in total coverage
Broad Named Peril Coverage – Includes burglary/theft, fire, flood (excluding zones A & V), natural disasters, and accidental breakage
Transit and Exhibition Coverage – Includes transportation and scheduled exhibitions
Multi-Premises Flexibility – Coverage available for multiple storage or display locations
Types of Collectibles Covered
The program covers a wide range of collectible categories, including but not limited to:
Advertising Collectibles
Antique Radios, Tools, and Photographs
Art (comics, animation, prints, lithographs)
Books & Manuscripts
Coins (excluding gold and platinum)
Dolls, Toys, and Action Figures
Fine Art and Furniture
Glass, Pottery, and Textiles
Musical Instruments (non-electrical)
Native American artifacts
Political, Sports, and Entertainment Memorabilia
Movie Props, Petroliana, and Zippo Lighters
Trains and Layouts
Vintage Clothing and Sewing Items
Weapons and Accessories
Writing Instruments and more
Underwriting Notes and Minimum Premium
Appraisals or inventories are generally not required unless an item is valued at $5,000 or more. At the time of loss, documentation such as photos, receipts, and inventory details will be necessary. The minimum premium for this program is $250, making it accessible for both small and large collections.
States and Availability
This program is available in the following states: AR, FL, IL, IN, IA, KS, KY, MI, MN, MO, TN, and WI. IPMG works with both admitted and non-admitted carriers, allowing flexibility based on risk profile and jurisdiction.
Why Work With IPMG?
As a General Agency and Excess & Surplus Lines Broker, IPMG brings niche expertise and market access to help you better serve clients with high-value collectibles. Their deep understanding of this unique insurance segment, coupled with flexible underwriting and strong carrier relationships, makes it easier for agents and brokers to confidently place hard-to-insure collectible risks.
Example: You might have a client who owns a rare collection of antique tools displayed in multiple locations and occasionally exhibited at trade shows. IPMG’s program offers coverage for transit, exhibition, and multi-premises storage—all under one policy.
Frequently Asked Questions
What types of accounts are a good fit for this program?This program is ideal for private collectors and dealers with antiques or collectible items such as art, rare books, toys, political memorabilia, and more.
Are appraisals required for every item?No, appraisals or inventories are not required for most items unless they are valued at $5,000 or more.
Does the policy include coverage during transit and exhibitions?Yes, coverage includes personal transit and scheduled exhibitions, including transport to and from the event, up to the policy limits.
What is the minimum premium for this program?The minimum premium starts at $250, making it accessible for a variety of collection sizes.
In which states is this program available?This program is available in AR, FL, IL, IN, IA, KS, KY, MI, MN, MO, TN, and WI.
Need help placing an account? Connect with a market specialist.