California Specialty Insurance Programs

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.


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Personal Insurance

No matter where you are in life — just starting out or thinking about retirement — PTL Insurance Brokers can help you find the right insurance. From auto to motorcycle, home insurance to renters insurance, we’re here to help you protect yourself, your family, and your home from whatever happens next.

Business Insurance

Building a business takes time, patience, know-how, and the right tools. The right insurance coverage can mean the difference between coming back from disaster or not. At PTL Insurance Brokers, we’ll help you protect your California business, big or small. From general liability to workers compensation, we can help you cover your business from most risks.

Life & Health Insurance

Everyone needs life and health insurance, no matter how old or young you are. You might not want to think about the worst that can happen, and we understand the feeling but you need to protect yourself and your family. Work with PTL Insurance Brokers to purchase the right policies for where you’re at today. We’ll worry about the details, and you just worry about living a full and happy life in the California sun!