More than just an insurance policy

Brokers have independently rated us as one of the UK’s leading insurers for all types of fine art and collections¹. Whether your client is an organisation, institution or private collector, or has been custodian for decades, or days; their finest treasures deserve the finest cover.

If your client owns or displays fine art and collections or valuables, a bespoke Fine Art policy could provide a more suitable level of protection compared to a more general ‘all risks’ policy. 

Our specialist fine art insurance policy includes:

• Specific cover for fine art and collections that can be bought and sold at auction
• Depreciation in value following partial damage, which could be substantial
• Specialist extensions for:
• new acquisitions
• defective title
• restoration and framing
• work in progress (due to damage in production or death of the artist)
• temporary removal
• emergency evacuation
• Can operate as standalone cover or be added to an existing policy

There will be a specific set of risks and circumstances associated with your client’s item or collection, and we will work with you to provide a policy that is tailored to those risks.

• Broad risk appetite and flexible underwriting solutions – enabling us to protect truly exceptional possessions.
• Capacity in excess of £150 million - for fine art and contents with options to include transit, storage and art on loan, one of the strongest capacities for art and collections in the market.
• Access to specialists – our in-house risk experts are on-hand to answer any risk-related queries via our Risk Advice Line. Our teams can also give advice and guidance about how to safely and securely store, transport and display their items.
• Award-winning claims service - direct access to the person dealing with your case and the benefit of working with specialist restorers, conservators and loss adjusters to provide the best outcome. Learn more about our award-winning claims team².

¹ Top Three UK insurer for Fine Art and Collections, FWD Annual Broker Opinion Survey Results - 176 telephone interviews carried out September - December 2020

² Winner of the Personal Lines Claims Team of the Year award and Customer Care Individual award Insurance Post Claims and Fraud Awards 2020.