Insight
Heritage risk barometer
How can the heritage sector adapt and thrive in a digital age?
Expert service from our dedicated team
With our Art & Private Client insurance team, you’re in the care of people with a passion for the finer things in life. They work closely with art galleries, private collectors, restorers and skilled craftsmen to keep up-to-date with market trends.
High net worth insurance features
Our Art & Private Client policy is designed to provide specialist insurance for high net worth individuals. We work with you and your insurance broker to build a policy that suits your lifestyle, cover includes:
- Buildings insurance, including exceptional and listed buildings
- Contents, art, antiques and personal valuables insurance
- Cyber cover which comprises cyber home systems damage as standard, with the option to purchase cyber crime and cyber online liability as additional covers.
- Trustee indemnity cover
- Property owner’s liability up to £10million
- Protection for you and your family including property alteration costs, assault, psychiatric services, medical expenses, sponsorship losses and hole-in-one cover
- Legal expenses cover including inheritance disputes and education admission appeals
- Insurance for working from home and minor use of the home for business purposes, such as gardens open to the public or offering bed and breakfast
- Optional additional covers including business liability, business cover (for business contents, business money and business interruption) and travel insurance*
*If you are a customer and we have been unable to assist you with travel cover for a pre-existing medical condition please speak to your broker in the first instance. The Money and Pensions Service (MaPS) also has a directory of specialist travel insurers on its Money Advice Service website. Access the directory
Alternatively, you can call the Money Advice Service’s Customer Contact Centre on 0800 138 7777 (Lines open Monday to Friday, 8am to 6pm)
- You also have the option to insure fine art and valuable contents on a stand-alone basis. Simply contact your insurance broker to discuss your personal needs. You can use our helpful contents checklist to calculate the value of your contents and valuables.
High net worth claims
Our specialist claims team has an enviable reputation for delivering service excellence. We offer a discreet and personal service, giving you direct access to the claims handler managing your case. The team work closely with artisan repairers to ensure the professional and sympathetic restoration of your irreplaceable possessions.
From first reporting my claim, to the delivery of my furniture and artefacts that had undergone restoration, the matter could not have been handled with more care, efficiency and professionalism.
Documents
FAQs
Are there any restrictions on the types of art you can cover?
We can protect art work whether it is contemporary or classic, an individual item or a whole collection. Just some of the items we can cover include; paintings, jewellery, ceramics, glass and metal ware, sculptures, furniture, textiles and tapestries, gold and silver items and antiques.
Does high net worth insurance provide cover for listed buildings?
Yes. We are the leading insurer of Grade I listed buildings in the UK and have a passion for protecting our culture and heritage. You can discuss the individual needs of your property with your insurance broker.
What does ‘fine art’ mean?
From the quintessential to the quirky, the fine art cover in our policy covers anything bought and sold at auction. That’s anything from an old master, to a modern sculpture, bottle of whiskey, wine collection or something altogether more unique. Talk to your insurance broker about your collections and curiosities.
We can protect artwork whether it is contemporary or classic, an individual item or a whole collection. Just some of the items we can cover include; paintings, jewellery, ceramics, glass and metal ware, sculptures, furniture, textiles and tapestries, gold and silver items and antiques.
What is hole in one insurance?
Hole in one insurance applies when golfers putt a hole in one. If you make the lucky shot, our Art & Private Client policy lets you make a donation to charity of your choice. This is limited to £500 per claim and £1000 in any one period of insurance.
