Specialty Insurance for Higher-Value and Unique Exposures
Standard policies can leave gaps when you have valuable assets, rental exposure, professional risk, or higher liability needs. Specialty coverage helps protect the plan you’ve built.
Specialty Insurance Overview
Coverage designed for risks that fall outside standard personal and business policies
Close coverage gaps
Identify exclusions, sub-limits, and mismatched valuations that can create surprises.
Layer protection
Use primary policies plus umbrella/excess coverage for higher liability needs.
Align with assets
Match limits and valuation methods to property, income, and risk tolerance.
Popular Specialty Coverage Categories
Choose options based on the exposure, valuation, and claim patterns
Umbrella liability
Adds extra liability limits above auto/home and may cover certain claims not included elsewhere.
Valuable items
Scheduled coverage for jewelry, watches, art, collectibles, and specialty equipment.
Landlord and rentals
Coverage designed for rental property exposures, tenant liability, and loss of rent options.
Professional liability
Protection for service providers facing claims related to advice, errors, or omissions.
When Specialty Coverage Matters Most
Signals that standard coverage may be undersized or misaligned
Asset growth
As net worth increases, liability limits that once felt “fine” may become inadequate.
Valuation gaps
High-value items may be subject to sub-limits unless scheduled with appraisals.
New exposures
Rentals, side businesses, or professional services can require specialized forms.
Coverage Stack Checklist
A structured approach to building layered protection
Step 1: Confirm base limits
- Review auto and homeowners liability limits and deductibles.
- Confirm property valuations and sub-limits for valuables.
- Document exclusions that matter to your situation.
Step 2: Add specialty layers
- Use umbrella/excess liability where exposure exceeds base limits.
- Schedule valuable items with appraisals or receipts.
- Add forms for rentals or professional services as needed.
Documents That Speed Up Underwriting
Good documentation can improve accuracy and reduce avoidable back-and-forth
Valuation evidence
Appraisals, receipts, and photo inventories support scheduled coverage and claims.
Exposure details
Rental agreements, usage patterns, and risk controls clarify the true exposure.
Existing policies
Declarations pages help coordinate limits and prevent overlap or gaps.
What Drives Specialty Pricing
Underwriting looks at exposure, valuation, and loss controls
Valuation method
Agreed value, replacement cost, and appraisal schedules can change both premium and claim outcomes.
Usage and access
How often an item is used, stored, or transported can affect risk and required safeguards.
Risk controls
Alarms, safes, tracking, contracts, and compliance reduce loss frequency and severity.
Common Gaps We Help Fix
Where standard policies often fall short for higher-value situations
Sub-limits on valuables
Jewelry, art, and collectibles may have low category limits unless scheduled with documentation.
Mismatch between assets and liability
Umbrella coverage can better align liability limits with net worth and exposure.
Rental exposure not addressed
Landlords and short-term rentals often need specialized forms and loss-of-rent options.
Professional service risk
E&O and cyber considerations can be essential even for small consultancies.
Frequently Asked Questions
Quick clarifications on how specialty coverage works
Find and Fix Coverage Gaps
Get a structured review of your policies, limits, and exclusions.