INSURANCE FOR
BUSINESS STRATEGIES FOR
What Valuables & Collectibles Insurance Protects
Standard homeowners or renters policies often place strict limits on high-value items. Valuables & Collectibles Insurance provides specialized protection for items that hold exceptional financial or sentimental value. This coverage helps protect your:
✓ Jewelry & watches
✓ Fine art & sculptures
✓ Firearms & sporting equipment
✓ Antiques & heirlooms
✓ Rare books & manuscripts
✓ Memorabilia & collectibles
✓ Coins, bullion, and trading cards
Whether items are displayed, stored, or kept in a safe, this coverage ensures they are properly protected from loss, theft, and damage.
Valuables & Collectibles Insurance typically covers:
Accidental Loss or Damage
Protection beyond standard homeowner limitations—covering breakage, mysterious disappearance, and accidental damage.
Theft
Full-value coverage for stolen high-end items, even if taken outside the home.
Worldwide Protection
Coverage follows your valuables anywhere you travel.
Pair & Set Coverage
Ensures compensation for the full value of a pair or collection, not just the damaged piece.
Agreed Value Options
Lock in the item’s value so you receive the full insured amount without depreciation.
Note: Many high-value items are not fully covered under standard homeowners policies, making separate scheduling or standalone coverage essential.
Why Valuables & Collectibles Insurance Isn’t Optional
Without specialized coverage, you may face:
Low sublimits (e.g., jewelry capped at $1,500–$2,500)
No coverage for accidental loss or breakage
No protection for collectibles damaged in transit
Depreciated payouts that don’t reflect true value
Common claims include:
Lost or stolen jewelry
Damage to artwork during moving or cleaning
Misplaced heirlooms
Fire or smoke damage to collections
Water damage or mold exposure
Theft from vehicles
High-value items deserve protection equal to their worth.
What Valuables & Collectibles Insurance Protects
Standard homeowners or renters policies often place strict limits on high-value items. Valuables & Collectibles Insurance provides specialized protection for items that hold exceptional financial or sentimental value. This coverage helps protect your:
✓ Jewelry & watches
✓ Fine art & sculptures
✓ Firearms & sporting equipment
✓ Antiques & heirlooms
✓ Rare books & manuscripts
✓ Memorabilia & collectibles
✓ Coins, bullion, and trading cards
Whether items are displayed, stored, or kept in a safe, this coverage ensures they are properly protected from loss, theft, and damage.
Valuables & Collectibles Insurance typically covers:
Accidental Loss or Damage
Protection beyond standard homeowner limitations—covering breakage, mysterious disappearance, and accidental damage.
Theft
Full-value coverage for stolen high-end items, even if taken outside the home.
Worldwide Protection
Coverage follows your valuables anywhere you travel.
Pair & Set Coverage
Ensures compensation for the full value of a pair or collection, not just the damaged piece.
Agreed Value Options
Lock in the item’s value so you receive the full insured amount without depreciation.
Note: Many high-value items are not fully covered under standard homeowners policies, making separate scheduling or standalone coverage essential.
Why Valuables & Collectibles Insurance Isn’t Optional
Without specialized coverage, you may face:
Low sublimits (e.g., jewelry capped at $1,500–$2,500)
No coverage for accidental loss or breakage
No protection for collectibles damaged in transit
Depreciated payouts that don’t reflect true value
Common claims include:
Lost or stolen jewelry
Damage to artwork during moving or cleaning
Misplaced heirlooms
Fire or smoke damage to collections
Water damage or mold exposure
Theft from vehicles
High-value items deserve protection equal to their worth.
How We Match You With the Right Policy
Every carrier evaluates risk differently. We guide you through:
Industry classification
Employee exposure
Risk factors
Operations and service areas
Contract requirements
Loss history
Coverage limits and endorsements
Then we shop multiple top-rated carriers to compare pricing and coverage options.
As CEPA-informed advisors, we also ensure your liability structure supports your broader business goals, cash flow, and long-term value.
Why Businesses Trust Wasatch Preferred
Fast Certificates
COIs delivered quickly so you never miss a job or delay operations.
Competitive Carrier Access
We represent top carriers across Utah, giving you more choice and stronger options.
Clear Guidance
We simplify the process so you understand your policy—and your protection.
Strategic Insight
Insurance isn’t just a requirement—it’s a financial safeguard. We help ensure your coverage aligns with your business performance and future goals.
Get a General Liability Quote
Whether you’ve had coverage for years or are getting your first policy, we make the
process simple and fast.
Insurance products are offered through Wasatch Preferred.
Coverage availability and eligibility vary by carrier and state.
CEPA advisory services are provided in a non-fiduciary,
non-investment advisory capacity and do not include legal,
tax, or investment advice.
Insurance services are provided by properly licensed agents.
License information is available upon request and varies by state.
How We Match You With the Right Policy
Every carrier evaluates risk differently. We guide you through:
Industry classification
Employee exposure
Risk factors
Operations and service areas
Contract requirements
Loss history
Coverage limits and endorsements
Then we shop multiple top-rated carriers to compare pricing and coverage options.
As CEPA-informed advisors, we also ensure your liability structure supports your broader business goals, cash flow, and long-term value.
Why Businesses Trust Wasatch Preferred
Fast Certificates
COIs delivered quickly so you never miss a job or delay operations.
Competitive Carrier Access
We represent top carriers across Utah, giving you more choice and stronger options.
Clear Guidance
We simplify the process so you understand your policy—and your protection.
Strategic Insight
Insurance isn’t just a requirement—it’s a financial safeguard. We help ensure your coverage aligns with your business performance and future goals.
Get a General Liability Quote
Whether you’ve had coverage for years or are getting your first policy, we make the
process simple and fast.
Insurance products are offered through Wasatch Preferred.
Coverage availability and eligibility vary by carrier and state.
CEPA advisory services are provided in a non-fiduciary,
non-investment advisory capacity and do not include legal,
tax, or investment advice.
Insurance services are provided by properly licensed agents.