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Builder’s Risk Insurance Declinations: An Interview With Susan DeCarlo

Distinguished

We can consider weather related claims, but claims of theft, vandalism, and fire, for example, would be an automatic decline. What are some of the key factors you consider when determining appropriate coverage limits and deductibles? Properties in a high wind hail area may be subject to an increased wind deductible.

Risk 52
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Protecting Fine Art, Collectibles in California

Distinguished

Our program provides all-risk worldwide coverage for direct physical damage like fire and theft of personal collections of any size. Coverage is offered as an optional add-on, with rates determined by sophisticated modeling that considers location, fragility of items, value of collectibles, storage, deductibles, and other factors.

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Public Art Insurance: Safeguarding Publicly Owned Art and Collectibles 

Distinguished

One of the key reasons is lower deductibles, expert knowledge, and tailored coverage options specifically designed for the unique risks faced by public art installations.  At Distinguished, our public art insurance covers theft and incidental damage to the fine art and collectibles entrusted to the public institution.

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Does Homeowners Insurance Cover Collectibles? 

Distinguished

Theft, damage during transport, or accidental breakage can devastate a collection that has taken years to assemble. It also provides more comprehensive protection against a wide range of common risks, including accidental damage, theft, loss, and damage during transit.

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What are the most important questions to ask when choosing business insurance?

Protect Commercial Insurance

Think about the everyday operations of your business: – Are there physical locations that require protection from natural disasters or theft? – Potential deductibles and what’s financially viable if you need to make a claim. – Property Insurance : Protects physical assets from perils like fire, theft, and vandalism.