Tailored cover for high net worth individuals

Ecclesiastical is an expert in providing specialist high net worth insurance. Our dedicated Art & Private Client team has a wealth of knowledge and expertise, allowing them to work with you to establish the cover your clients deserve for their exceptional homes, collections, jewellery and art.  

Client benefits

  • Tailored cover for private homes, from listed buildings through to contemporary design.
  • Generous upper limits and a 25% uplift for new acquisitions.
  • Our highly-skilled team includes art historians, technical underwriters and heritage experts who understand your client’s requirements. 
  • We work closely with art galleries, private collectors, artists, restorers and skilled craftsmen to truly understand the art world and provide expert advice.
  • A discreet and professional service from our award-winning claims team.
  • If the worst should happen, we can work with artisan repairers to ensure the professional and sympathetic restoration of your clients’ irreplaceable possessions.

Broker benefits

Discover the difference in our service:

  • We work with you to provide a tailored policy to meet your client’s needs. 
  • We have a broad risk appetite and our flexible underwriting solutions mean we are able to protect truly exceptional risks.
  • Buildings and contents - our capacity is £100million and £155million for art as standard.
  • Fine art cover can be provided on a standalone basis or as an extension where extra protection is required. 
  • Access to expert risk advice line for you and your clients on 0345 600 7531.
I think it is very important to have a good working relationship with Insurers and I cannot speak enough of how highly I rate Kara as both a claims handler and as a referral point for the finer points of the Ecclesiastical Policy.


Product highlights

Cover for high net worth clients can include:

  • All risks basis of cover, plus additional covers, including business interruption, trustee indemnity and travel cover.
  • Extended payment cover for buildings (including listed buildings), fine art and valuables.
  • Cover extensions include loss prevention, security upgrade, and up to 25% contents uplift for new acquisitions.
  • Legal expenses cover including inheritance disputes and education admission appeals.
  • Flexibility to accommodate art or contents on a standalone basis.
  • Cover for working from home and minor use of the home for business such as gardens open to the public or bed and breakfast.