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

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

The personal product includes the following features:

• Agreed value, current market value or a combination of bothwith all-risk, worldwide coverage (including breakage andmysterious disappearance)
• No per item limitations
• Coverage available for personal collections while on loan tomuseum exhibitions
• No limitation on packers
• Consistent approach to loss in value
• Coverage for the cost of replacing or restoring the identifyinglabels for wine
• Comprehensive forms to thoroughly address critical policyfeatures rather than treat them as an afterthought to homeownersinsurance

The commercial products valuable articles portfolio consists ofpolicies specifically designed for each major category ofcommercial art collections: corporate collections, museums,exhibitions, dealers and commercial artists. Following a flexibleloss limit approach, insureds can select appropriate coveragelimits for premises, transit and unnamed locations, domesticallyand 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 andrestoring/replacing damaged labels
• Optional deductibles available
• Coverage for breakage and mysterious disappearance
• Worldwide coverage
• Admitted carrier in 48 states (not available in Alaska, Hawaiior the District of Columbia)