The Independent Insurance Agents & Brokers of America Big "I" Markets

Coverage is available on a personal and commercial basis for a diverse range of risks including fine arts, jewelry, antiques, silverware, coins and stamps, memorabilia, gun collections, fine wine, musical instruments and other collectibles.

The personal product includes the following features:

• Agreed value, current market value or a combination of both with all-risk, worldwide coverage (including breakage and mysterious disappearance)
• No per item limitations
• Coverage available for personal collections while on loan to museum exhibitions
• No limitation on packers
• Consistent approach to loss in value
• Coverage for the cost of replacing or restoring the identifying labels for wine
• Comprehensive forms to thoroughly address critical policy features rather than treat them as an afterthought to homeowners insurance

The commercial products valuable articles portfolio consists of policies specifically designed for each major category of commercial art collections: corporate collections, museums, exhibitions, dealers and commercial artists. Following a flexible loss limit approach, insureds can select appropriate coverage limits for premises, transit and unnamed locations, domestically and internationally. The new program offers:

• Blanket or scheduled items coverage
• No per item limit on blanket coverage
• Actual value or current market value up to 150 percent
• $75 million capacity
• Consideration for any type of collectible including wine, musical instruments, antiques, stamp and/or coin collections, sports memorabilia and collectible figurines
• Special wine coverage including mechanical breakdown and restoring/replacing damaged labels
• Optional deductibles available
• Coverage for breakage and mysterious disappearance
• Worldwide coverage
• Admitted carrier in 48 states (not available in Alaska, Hawaii or the District of Columbia)