Agency & Brokerage

Your Clients Collect the Extraordinary. Now You Can Protect It.

Your clients' jewelry, watches, fine art, and collectibles deserve standalone coverage, not a homeowners rider. WAX gives you the fastest way to quote, bind, and service valuable articles insurance that keeps claims separate from the home and keeps clients coming back. Now in two products, WAX Flex™ for modular control and WAX Classic™ for maximum coverage standard, quoted from one Consilium submission.

Insurance broker reviewing valuable articles coverage on screen with luxury watches, jewelry, and fine art

Why Brokers Come to WAX

Your clients don't think about valuable articles coverage until something happens, and then they expect you to have already solved it. WAX gives you a faster, smarter way to place scheduled articles business: one application, real-time premium adjustments, and a modular policy your clients can shape themselves. Built by collectors. Backed by an AM Best A+ (Superior) rated carrier. Delivered through your own dedicated portal.

For Brokers

Built for the Way You Quote and Bind

One appointment. One application. Instant quotes and 24/7 checkout, across every valuable articles category your clients own.

One Application. Two Products. Best-Value in the Market.

Submit one quote in our Agency Management System "Consilium" and WAX returns real-time pricing on both products. WAX Flex™ for modular control and value, WAX Classic™ for maximum coverage standard. One application. No re-keying. No back-and-forth. Quote both, present what fits your client.

Instant Quotes. 24/7 Checkout.

Generate real-time valuable articles quotes and offer your clients direct binding authority around the clock, no waiting, no back-and-forth on eligible submissions. When a client is ready to move, you're ready too.

Two Products · One Appointment

Quote both. Present what fits your client.

One submission in Consilium returns pricing on both WAX products, so you can walk a client through the trade-off in a single conversation. Modular control or maximum coverage, standard.

Modular · Surplus

WAX Flex™

Real-time pricing your client shapes line-by-line.

  • Modular endorsements, toggle and see premium update in real time
  • Claims payout range: 100%, 125%, or 150% of agreed value
  • Multi-category discount across 2+ collecting categories
  • Surplus lines paper backed by our AM Best A+ (Superior) rated carrier partner
Jump to WAX Flex™ details
Standard · Admitted

WAX Classic™

Maximum coverage, standard. One profile, every protection on.

  • Mysterious Disappearance included as standard
  • Maximum agreed-value payout locked at 150%
  • Every standard endorsement on by default, nothing to toggle
  • Admitted paper backed by our AM Best A+ (Superior) rated carrier partner
Jump to WAX Classic™ details

Introducing

WAX Flex™ for Your Clients

The first valuable articles insurance built around how collectors actually collect, and the most powerful conversation tool you have.

Every other valuable articles insurer hands your clients a fixed policy at a fixed price. One bundle. Take it or leave it. Your clients have been paying for coverages they may never use, and most don't even know it.

WAX Flex™ changes that, and gives you something no other MGA can offer your clients: real control.

For the first time in the market, your clients can build a modular scheduled articles policy that reflects their collection, their habits, and their risk tolerance. They choose their endorsements. They choose their claims payout range. And they see their premium adjust in real time as they do.

WAX Flex™ in Action

Three levers. One policy. Instant pricing, every time.

WAX Flex™ gives you and your clients three distinct ways to shape a scheduled articles policy in real time. Every adjustment is reflected in the premium instantly, no requoting, no back-and-forth, no waiting. This is what a modern valuable articles submission looks like.

Lever 1. Optional Endorsements

Toggle endorsements on or off, premium adjusts instantly.

Toggle either of the two optional endorsements on or off. The premium adjusts the moment you do.

  • •Checked Baggage
  • •Unattended Auto

Each endorsement is a conversation with your client, not a mandate from the carrier. Clients who want Mysterious Disappearance included as standard belong on WAX Classic™, quoted from the same submission.

Lever 2. Claims Payout Range

Let clients choose the claims payout range that fits their outlook.

Most collectibles insurers lock claims payout at 150% of the agreed value based on market value, subject to the class limit, a premium feature built into every quote, whether the client's risk tolerance warrants it or not. Many clients don't realize they're paying for it. With WAX Flex™, that changes, and it gives you a genuine pricing conversation with every prospect.

Your clients choose the claims payout range that matches their outlook on their collection:

Client ChoiceWhat It Means
100%Settled at agreed value, no appreciation component
125%Settled up to 125% above agreed value if current market replacement cost exceeds the scheduled limit. Subject to the class limit.
150%Full market appreciation protection. Settled up to 150% above agreed value. Subject to the class limit.

For price-sensitive clients, dropping from 150% to 100% delivers meaningful premium savings without touching core scheduled articles coverage. Theft, accidental damage, and worldwide protection remain fully intact. For clients who view their collection as an appreciating asset, 150% remains the gold standard. With the WAX app you can make these adjustments in seconds.

Lever 3. Multi-Category Discount

Reward clients who collect across multiple categories, automatically.

WAX Flex™ rewards collectors who collect across multiple categories, automatically, with no forms and no calls. The more of a client's collection they bring to WAX, the better their total premium gets.

Categories ScheduledPremium Impact
1 CategoryBase rate
2 CategoriesMulti-category factor reflected in your total premium
3 CategoriesLarger multi-category factor reflected in your total premium

Capped at three categories, the multi-category discount is built directly into the WAX Flex™ rating engine. It requires nothing from you or your client beyond scheduling the items, and it gives you a powerful reason to ask every prospect what else they collect.

"In a market where clients can reprice their coverage in minutes, the broker who gives them control is the broker they keep."

Every lever moves the premium in real time. Every adjustment is visible before binding. No other valuable articles MGA offers this. WAX is the first.

Introducing

WAX Classic™ for Your Clients

The flagship admitted product, repositioned for the clients who want every protection on, no decisions, no toggles.

Not every client wants to weigh endorsements at the kitchen table. For high-touch, high-net-worth clients, and for replacement and retention plays on existing flagship books. WAX Classic™ is the easy-to-position default: maximum coverage, standard, with every protection on by default.

One pitch. No toggle decisions. No "did we add Mysterious Disappearance?" E&O exposure six months later. Quoted from the same Consilium submission as WAX Flex™, so you can put both in front of your client and let them choose.

What's Included as Standard

Every protection on, by default.

  • Mysterious Disappearance: included as standard
  • Agreed-value claims payout locked at 150%
  • Checked Baggage: included as standard
  • Unattended Auto: included as standard
  • Every standard endorsement on by default, nothing to toggle
  • Admitted product, paper backed by our AM Best A+ (Superior) rated carrier partner

Best for your book

Clients who don't want to make choices, high-net-worth referrals, and replacement or retention plays on existing flagship valuable articles books. Quoted alongside WAX Flex™ from a single submission.


Why Choose WAX?

Guaranteed Agreed Value

Your client sets the scheduled value. That's exactly what they're paid in a total loss, no depreciation, no negotiation.

Zero Deductible

$0 deductible on every scheduled item. No friction at claim time, no awkward coverage-gap conversation after a loss.

Worldwide Coverage

Every scheduled article is protected anywhere in the world, at home, in transit, or abroad. No geographic limits.

90-Day New Acquisitions

New items are auto-covered for 90 days at 25% of the class limit. No endorsement, no client call, no gap.

Broadest Market Appetite

Purpose-built for the full luxury and collectibles universe. If your clients collect it, we can protect it, and we say yes where other markets won't.

Standalone From Homeowners

A fully standalone policy. Claims never touch your client's homeowners premium or create monoline retention risk.

The WAX Client App

A digital vault for scheduled items, appraisals, policy management, and claims. Keeping clients engaged year-round.

Transparent Production Reporting

Monthly production and commission statements delivered to your team. You always know where your book stands.

A True Growth Partnership

Two dedicated WAX professionals, a Head of Agency Partnerships and a Broker Support Specialist. Aligned on growing your book. No queues, no tickets.

Side-by-Side

WAX vs. The Industry

Show clients what they've been paying for, and what they've been missing.

FEATURESTraditional Valuable Articles Insurance¹WAX Flex™WAX Classic™
Agreed Value
$0 DeductibleVaries²²
Worldwide CoverageLimited
Accidental Damage
Mysterious DisappearanceBundled in. Clients pay whether they want it or notNot available on FlexStandard
Checked BaggageBundled in. Clients pay whether they want it or notOptional³Standard
Unattended AutoBundled in. Clients pay whether they want it or notOptional³Standard
Claims Payout RangeLocked at 150%, included whether it fits or notYour Client's Choice: 100%, 125%, or 150%Locked at 150%
Newly Acquired CoverageVaries / Requires endorsement90 days automatic / 25% of class limit90 days automatic / 25% of class limit
PaperVariesSurplus · A+ carrier partnerAdmitted · A+ carrier partner
Real-Time Premium AdjustmentsEverything on, standard
Build Your Own CoverageWAX Flex™No decisions. Maximum coverage

¹ Based on standard specialty valuable articles insurance market offerings.

² $0 deductible applies in the majority of U.S. states. California and other catastrophe-exposed locations (e.g., wildfire zones) may carry a deductible per carrier underwriting guidelines. Final terms are confirmed at quote.

³ Checked Baggage and Unattended Auto are optional add-ons on WAX Flex™. Both are included as standard on WAX Classic™. A minimum of three items is required to modify these optional coverages on WAX Flex™.

Before the specialty market conversation even starts, most brokers are leaving valuable articles on the homeowners policy by default.

Here's what those clients are actually getting.

Side-by-Side

WAX vs. Standard Homeowners

Every client with scheduled jewelry, watches, or collectibles is a WAX conversation waiting to happen.

FEATURESTraditional HomeownersWAX
Coverage TypeNamed Perils, limitedAgreed Value, client's choice of payout range
Deductible$500-$2,500$0
Mysterious DisappearanceNot CoveredStandard on WAX Classic™ · Not available on WAX Flex™
Worldwide CoverageLimited
Underwriting AppetiteRestricted, narrow sub-limitsBroad, if they collect it, we can protect it
Appraisal RequiredTypically RequiredJewelry $25K+ / Watches $50K+
Digital ExperienceFile Through Home InsurerFull App + Digital Vault
Impact on Home InsuranceMay Raise PremiumsNone, standalone
E&O ExposureHigh, sub-limits often unknown to clientEliminated with proper scheduled coverage
Newly Acquired ItemsSubject to Policy Sub-Limit90 Days / 25% of Class Limit

See everything WAX covers at a glance.

Three Steps to Start Offering WAX

1

Request an Appointment

Complete and submit the broker appointment form below. A member of WAX's partnerships team will follow up within 1 business day.

2

Get Set Up

WAX will walk you through everything. Access to our Agency Management System "Consilium", binding authority on eligible submissions, and all the tools you need to start quoting scheduled articles coverage immediately.

3

Start Selling

Quote and bind standalone valuable articles insurance in minutes. One application. Two products, WAX Flex™ and WAX Classic™. Instant results in Consilium.

FAQs

Frequently asked questions about WAX coverage for brokers and their clients.


Request a Broker Appointment

Tell us about yourself and your agency, we'll take it from there. Independent brokers can get appointed with WAX to offer standalone valuable articles coverage in all 50 states.