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FACE Insurance Services Fine Arts Coverage Enterprises (FACE) is a highly specialized unit of experienced fine art and wine insurance professionals dedicated to the structure, placement and servicing of a large worldwide clientele engaged in all aspects of fine arts, wine and other valuable collectibles. Overview — Insurance for Fine Art & Collectibles Enterprises Phoenix Risk Management (PRM) offers the FACE program to help agents place fine art, wine and high-value collectibles accounts through a dedicated team of specialists. FACE combines underwriting expertise, market access and tailored policy structure to address the unique risks faced by collectors, galleries, museums, dealers and consignors. As a general agency, PRM places this business with established markets including AXA Art Insurance, XL Specialty Insurance, Markel, and Great American to provide flexible solutions for both private and institutional clients. Ideal Accounts and Target Classes Private and corporate collections (single-owner or scheduled item lists) Galleries, dealers and auction houses — on-premises and in-transit exposures Museums, exhibit organizers and traveling exhibitions Wine collectors, storage facilities and specialty wine merchants High-value collectibles such as rare books, stamps, coins, and memorabilia Coverage Highlights and Advantages Worldwide coverage options for transit, exhibitions and storage Agreed value scheduling and valuation support for high-value pieces Optional coverage extensions commonly available through our markets (e.g., seizure, mysterious disappearance, restoration costs) — subject to underwriting Access to admitted and non-admitted markets where appropriate (All Available Markets) Claims advocacy and specialist adjusting resources familiar with fine art and wine losses Underwriting Notes and Appetite FACE underwriters prefer well-documented accounts with recent professional appraisals or inventories, secure storage practices, and loss-prevention measures for transit and exhibition. The program typically writes accounts with clear valuation and provenance histories. Accounts that commonly fit include single-item scheduled risks, gallery portfolios, museum collections, and private wine collections. Accounts that may require special handling or that are generally uninsurable include items with disputed provenance, recent restoration with unresolved damage, accounts lacking reasonable security or climate control for wine, or highly speculative rental/exhibit arrangements without professional risk controls. Each submission is evaluated on its own merits; early pre-submission conversations help set expectations. Underwriting Requirements & Minimum Premium Typical submission requirements include a detailed schedule of items, recent valuation or appraisal information, photographs for higher-value pieces, description of storage/transport/exhibit arrangements, and loss history. The program’s minimum premium is $1,500. Larger collections and complex exhibition programs will require fuller underwriting documentation and may be subject to market-specific minimums or terms. Territories and Availability FACE is available in the states listed below and in other territories consistent with market appetite. Availability may vary by carrier and admitted status; please confirm state-specific capacity at time of submission. AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, 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, WY Why Work With Phoenix Risk Management on FACE Business Specialized underwriting team familiar with art, wine and collectibles exposures Access to top specialty carriers and flexibility across admitted and non-admitted solutions Dedicated account servicing and claims support focused on nuanced valuation and restoration issues Quick triage for submissions to identify the right market and reduce turnaround time Examples of Fit You might have a private client who owns a carefully cataloged small collection of contemporary paintings and needs agreed-value insurance for in-home display and international transit for an upcoming exhibit. You might represent a regional gallery that needs a single policy covering on-premises collections, consigned items in transit to buyers, and exhibition coverage for a traveling show. To discuss a submission or get pre-qualification guidance, contact Phoenix Risk Management’s FACE team. Call PRM Toll Free at (855) 922-0800 or email [email protected]. Frequently Asked Questions What types of fine art and collectibles accounts does FACE prefer?FACE prefers well-documented private collections, galleries, dealers, museums and wine collectors where valuations, provenance and security/storage practices are available for review. Scheduled high-value items and exhibition programs are typical fits. What documentation should I include with a submission?Provide a detailed schedule of items with valuations or appraisals, photographs for higher-value pieces, details of storage and transit arrangements, and loss history. The more complete the submission, the faster we can identify the right market. Is coverage available for international transit and exhibitions?Yes — FACE offers worldwide transit and exhibition coverage through its specialty markets, subject to underwriting review and any country-specific restrictions from the insurer. What is the program’s minimum premium?The program’s stated minimum premium is $1,500. Individual carriers may have additional minimums or specific terms depending on risk characteristics. Which carriers do you place FACE business with?PRM places FACE risks with specialty carriers including AXA Art Insurance, XL Specialty Insurance, Markel, and Great American, selecting the market that best matches the account’s needs. Need help placing an account? Connect with a market specialist.

... appropriate to each submission. Preferred submissions include detailed scopes...

Place your clients' mobile home parks, RV parks, and campgrounds with confidence through Cochrane & Company’s Mobile Home Park Insurance program. Built specifically for permanent manufactured housing communities, seasonal or tourist RV parks, and campgrounds, this program offers comprehensive property and liability solutions on a monoline or package basis. Whether your client operates a year-round manufactured home community in Montana or a summer RV campground in Oregon, Cochrane & Company can help you access the right markets and structure coverage to address common park exposures — premises and amenity liability, loss of rental income, vandalism and theft, equipment breakdown, and employee crime. Ideal Accounts and Appetite This program is an excellent fit for: Permanent mobile home parks and manufactured housing communities Seasonal or tourist RV parks and campgrounds Owner-operated park models and investor-owned communities Multi-location park operators located in the western U.S. We prefer well-maintained properties with documented safety and risk-management practices. Amenities such as pools, playgrounds, laundry facilities, and on-site offices are acceptable when routine maintenance, signage, and safety protocols are in place. New ventures can be considered when ownership brings relevant management experience. Coverage Highlights and Advantages Property Coverage: Buildings and Business Personal Property Business Income (rental/rent loss) coverage Basic, Broad, or Special Form options Replacement Cost or Actual Cash Value valuations Equipment Breakdown and Food Spoilage Inland Marine and coverage for computer equipment & outside signs Accounts Receivable & Valuable Papers Commercial General Liability: Limits available up to $3,000,000 occurrence/aggregate $5,000 Medical Payments included Blanket Additional Insured endorsements included where required Liquor Liability available for parks with alcohol sales or events Hired & Non-Owned Auto coverage options Excess/Umbrella capacity up to $25,000,000 No deductible required on certain liability placements Crime Coverage: Theft of Money & Securities – Inside Premises Robbery or Safe Burglary of Other Property Theft Outside the Premises Underwriting Notes and Minimum Premiums Underwriting is handled on a case-by-case basis to match coverage to the risk profile. Typical submission documents include a completed application, property details (unit/site counts, year built, occupancy mix, and descriptions of on-site amenities), and loss history or loss runs when available. Risks with significant deferred maintenance, uncontrolled nuisance exposures, or high-frequency losses may not fit the program. Minimum premiums vary by state, carrier selection, and account characteristics; our underwriting team will quote specific minimums after reviewing the submission. Territories and Availability This program is available in AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. All coverages are placed on a non-admitted basis, giving you access to specialized carriers and broader appetite across the western U.S. Why Work With Cochrane & Company? Cochrane & Company is a managing general agency with deep experience in niche property and casualty programs. We combine targeted underwriting expertise with access to multiple surplus and specialty markets, helping agents place complex or non-standard park risks more efficiently. Our underwriters are responsive and pragmatic — they evaluate risk controls and management practices to produce competitive, tailored terms rather than relying solely on standard forms. If you need to place mobile home park, RV park, or campground business, partner with Cochrane & Company to tap specialty markets and practical underwriting. Contact our team to discuss submissions and market options. Frequently Asked Questions What types of accounts are a good fit for this program?This program suits permanent mobile home parks, seasonal RV parks, and campgrounds in the western U.S. Both individually owned and investor-managed properties are eligible when they demonstrate routine maintenance and safety procedures. Is this program available in all states?No. Coverage is currently available in AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. Does the program offer package and monoline options?Yes. Coverages can be written on a monoline basis or combined into a package policy depending on the insured’s needs and the carrier chosen. Are amenities like pools or playgrounds covered?Yes. Pools, playgrounds, and similar amenities are acceptable when they are properly maintained, have appropriate signage and supervision, and are reflected in the submission details. What documentation is required for submission?Provide a completed application, detailed property information (number of sites/units, year built, occupancy, amenities), and loss history or loss runs when available. Underwriting may request additional documentation as needed. Need help placing an account? Connect with a market specialist.