Not everything can be protected by standard insurance policies. Californians are diverse in our interests and our experiences. When you need to insure something that doesn’t fit in the nice, neat box of your other insurance policies, you need a specialty insurance policy. From events to personal possessions, PTL Insurance Brokers can help you protect whatever matters to you.
Special Events
Every special event carries some amount of risk. From weather that cancels the event and costs money to poorly behaved guests who increase your liability, there’s a lot to consider when you plan a special event. Special events coverage offers multiple forms of insurance protection:
- General liability
- Liquor liability
- Property damage
- Rental equipment
- Event cancelation
What kinds of special events in California are covered?
- Weddings and parties
- Special ceremonies
- Community fundraisers
- Sporting events and concerts
Personal Articles
Your standard home insurance policy covers your personal belongings up to a certain amount. For some people, this is enough to replace clothing, furniture, and most electronics. But this isn’t enough for all California homeowners. From collectibles to high-value jewelry or clothing, you need a supplemental policy that can cover everything you own.
What kinds of items are included in personal articles insurance?
- Cameras, computers, and other electronics
- Fine china and crystal
- Fine silverware
- Jewelry and watches
- Antiques and works of art
- Special collectibles
- Furs
- Firearms
- Sporting equipment
- Musical instruments
In a state as large and diverse as California, no single insurance coverage is enough to protect you from everything. Specialty insurance programs are designed to give you more peace of mind, liability protection, and financial security — no matter what special event you’re planning, antique you collect, or aircraft you fly. Contact PTL Insurance Brokers today to discuss your unique insurance needs.
