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Wholesale

Personal Lines

Jewelry, Fine Arts, Collections & Contents

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Our expert team and innovative solutions make SPG the royal standard in providing coverage for your luxury items. We provide policies to fit your needs, so you can have peace of mind for your most valued assets.

Exquisite jewelry, priceless fine art, and treasured collections are not just financial investments, but they are irreplaceable and often carry personal significance. Personal Article Floaters protect the financial value of these items. Our comprehensive insurance solutions offer unparalleled protection, ensuring that your valuables are safeguarded against life’s uncertainties. With our specialized underwriting authority and a broad range of surplus lines markets, SPG delivers robust and reliable coverage tailored to your unique needs. 

Personal Article Floaters are a specialized form of coverage designed to protect valuable personal property. Whether it’s jewelry, fine arts, rare antiques, or unique memorabilia, this insurance provides financial protection against risks like theft, accidental damage, or natural disasters. Standard homeowner’s policies often fall short in fully covering high-value items.

Personal article floaters are ideal for individuals with high-value or irreplaceable possessions.

Theft, accidents, or natural disasters can happen when you least expect them. Homeowner’s policies cannot fully cover items that might be considered priceless, leaving significant gaps in protection. A personal article floater bridges this gap. Brokers working with Monarch E&S gain access to competitive rates, experienced underwriters, and coverage flexibility, enabling them to provide the royal treatment for their clients’ most cherished possessions.

Insurance for Luxury items with SPG

Classes

  • Jewelry
  • Furs
  • Handbags
  • Fine Arts
  • Silver
  • Rugs
  • Guns
  • Wines
  • Sports Memorabilia
  • and more!

Coverages

  • Personal Article Floaters: Scheduled, Unscheduled or combination of both available. Jewelry, furs, handbags, collectibles, fine arts, wines etc.
  • Unscheduled Personal Property (Contents Only):  General Household contents in residence locations, storage or in transit
  • Staging of Items: Coverage provided for contents while staging a home for sale
  • Professional Used Equipment:  Cameras, audio/visual equipment, musical instruments and the like

Features

  • High-Limits available
  • Worldwide Coverage
  • Coverage in transit
  • Automatic Acquisition coverage
  • Earthquake & Terrorism: Protection for the most extreme events.
  • Agreed Value Form or Current market value available

Policy Highlights

  • A.M. Best ‘A’ Rated Carriers
  • Experienced Underwriters
  • Competitive Products / Rates
  • Quote/Binding authority on our contracts which allows us to be creative
  • Dedicated Claims handling

Applications

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