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A Rated, XV, Admitted Carrier Personal & Commercial Collections of Any Size Worldwide Coverage Territory Jewelry, Fine Arts, Collections and more Earthquake, Wind, Flood Included No Deductible No Hotel/Motel Exclusion No Alarm Warranty Market Appreciation Clause (150%) Included Automatic Coverage for Newly Acquired Items Available in All 50 States & DC 15% Commission Minimum Premium $250 Overview of the Program From Abacus Insurance Brokers Abacus Insurance Brokers, Inc. offers a specialized Personal Articles Floater program for agents and brokers who need broad, admitted coverage for high-value personal and commercial property. Placed with an A-rated, XV admitted carrier, the program protects items like jewelry, fine art, antiques, rare books, wine, watches, and other specialty collections on an all-risk, worldwide basis. This program is built for flexibility: it includes earthquake, wind, and flood perils; requires no deductible; and provides automatic protection for newly acquired items plus a 150% market appreciation clause. Those features make it attractive for clients with appreciating inventories or high-net-worth collectors who expect market-driven value changes. Ideal Accounts and Appetite Abacus is positioned to write both personal collectors and commercial clients. Typical accounts include: Private clients with fine jewelry or high-value engagement and heirloom pieces Art collectors and homeowners with paintings, sculptures, or mixed-media works Dealers, galleries, and small businesses carrying inventory or consigned items Specialty collections such as coins, watches, sports memorabilia, vintage items, and wine Generally well-suited for single high-value items up to whole collections and inventories. Accounts that need admitted, regulated policy forms — rather than non-admitted or surplus lines — are a particularly good fit. Coverage Highlights and Advantages All-risk coverage with worldwide territory No deductible on covered losses Earthquake, wind and flood included in the standard form Automatic coverage for newly acquired items to provide immediate protection 150% Market Appreciation Clause to help keep limits current with value increases No hotel/motel exclusion and no alarm warranty requirement These features reduce common placement friction points and make the program easy to present to clients who value broad protections without additional operational conditions. Underwriting Notes and Minimum Premiums Abacus underwriters are experienced with collections of varying size and complexity. The program accepts accounts ranging from a single high-value piece to full inventories for dealers and galleries. Minimum premium is listed at $250; commission information appears on the program summary. Provide accurate item descriptions and supporting valuations or appraisals for high-value pieces to speed placement. Territories and Availability This Personal Articles Floater is available on an admitted basis in all 50 states and the District of Columbia, offering agents the consistency of regulated policy forms and state filing protections. Why Work With Abacus Insurance Brokers As a program administrator focused on valuables and specialty property, Abacus combines targeted underwriting expertise with streamlined placement processes. Their admitted carrier relationship and broad coverage options make this program a practical solution when your clients need reliable, comprehensive protection for collections and inventory. Abacus can handle both consumer collectors and small commercial operations, helping you place accounts that might be challenging for standard homeowners or commercial property markets. Practical Account Examples You have a homeowner who wants an admitted policy for a growing art collection, including coverage while pieces are on loan or traveling — this program offers worldwide, all-risk protection and automatic coverage for newly acquired works. A small gallery needs coverage for inventory and consigned pieces, including flood and earthquake perils — Abacus can place admitted coverage with market appreciation to account for rising values. Frequently Asked Questions What types of accounts are a good fit for this program?This program fits individuals and businesses with high-value items such as jewelry, fine art, collectibles, antiques, and specialty inventory. It works for both personal collections and commercial dealers or galleries. Is the coverage available nationwide?Yes — the program is available in all 50 states and the District of Columbia on an admitted basis. Are natural disasters like earthquakes and floods covered?Yes — earthquake, wind, and flood coverage are included in the standard offering, removing a common gap for high-value collections. Is there a deductible on covered claims?No — the program is written with no deductible for covered losses, which simplifies claims for insureds. Does the policy include coverage for newly acquired items?Yes — automatic coverage for newly acquired items is included to provide immediate protection for purchases, subject to policy limits and any required reporting. Need help placing an account? Connect with a market specialist.

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