More than just an insurer

We provide more than just insurance. Our partnerships with key organisations such as Historic England and The Heritage Alliance enable us to gain valuable insight into the risks and challenges the sector faces for our customers.

Client benefits

Our highly-skilled team of art historians and heritage experts are immersed in the sector. As well as sharing their expertise, we add value for your clients in a number of ways:

  • We give them extra support to establish more accurate building values. Our in-house team of surveyors can also provide risk management surveys and access to our risk advice line, at no extra cost1
  • Our comprehensive business interruption cover provides for loss of attraction, prevention of access and ticketing suppliers. 
  • We protect client collections in a variety of circumstances including their temporary removal, exhibitions, new acquisitions and discovery of a defective title and, to keep things simple, there is no requirement to list all of the collection.  
  • For your clients who are responsible for protecting staff, visitors and sensitive data, we offer trustee and management liability in addition to; general liabilities, personal accident, reputational risk and cyber covers.
  • Where appropriate, we will defend liability claims in a manner that protects your client’s reputation.
You are undoubtedly experts in your niche areas.


Broker benefits

We offer specialist cover and cater for a variety of risks and activities:
  • Sector knowledge and expertise- we are the UK’s leading insurer of Grade I listed properties and we’re involved in insuring eight of the UK’s world heritage sites2. Our team includes art historians and heritage experts who are immersed in the sector.
  • We protect you and your clients with one of the largest and strongest in-house risk teams in the market, offering professional valuations and risk management advice at no additional cost – so you can be sure that your clients have adequate buildings cover. 
  • We can link the building value to the Ecclesiastical Heritage Index, a specialist building index which tracks the costs of building materials and specialist skills that are often unique to heritage buildings.
  • In-house support from underwriting, claims and risk management teams, all based in our regional offices.
  • Access to our risk advice line on 0345 600 7531, to help you handle your client queries.
We have a broad risk appetite, ranging from public art galleries, theatres, museums and everything in between. In the risk appetite guide for this policy, you’ll find a list of the risks we frequently encounter. Contact your regional centre if you have a risk not mentioned within our risk appetite.

Product highlights

Our Arts and Culture product can be tailor-made to suit your client. Other product covers include:
  • Buildings and contents
  • Business interruption
  • Reputational risk
  • Trustee and management liability
  • Cyber
  • Employers’ liability
  • Public liability
  • Directors’ and officers’
  • Loss of license
  • Equipment breakdown
  • Fine art, collections and antiques
  • Loss of money
  • Fidelity guarantee
  • Hirers’ liability
  • Legal expenses
  • Group travel
  • Personal accident
  • Professional indemnity
  • Engineering inspection
We understand your clients may be concerned with data safety, and we can provide cyber cover as well as having PR crisis helplines to deal with any immediate situations, or a more in-depth reputation risk cover too. 
1Subject to underwriting criteria
2Ecclesiastical underwriting data 2018, we help to insure eight of the UNESCO World Heritage Site