Coverage as serious as your collection.
Specialist art insurance arranged through underwriters who understand the nuances of provenance, condition, transit and storage, with valuations that reflect true current market value.
Why Specialist Cover Matters
Standard policies leave collections exposed.
Standard home or contents insurance policies are unsuitable for art collections. They often include sublimits that cap payouts well below replacement value, exclude transport, loans, and temporary displays, and rely on general loss adjusters without specialised art market knowledge.
The impact is felt at the most critical time: after loss or damage, when proper coverage is essential. We help our partners with specialised coverage tailored to collections, with no sublimits, worldwide protection including transit, and claims support from experts who understand the art market.
What We Arrange
Comprehensive coverage wherever art lives.
We collaborate with a panel of specialist art insurers, including underwriters with extensive experience in high-value collections, fine art, jewellery, and other collectables, to arrange coverage tailored to each partner’s collection, locations, and usage patterns.
- All-risks coverage: accidental damage, theft, loss, flood, fire
- Multiple property coverage: residences, storage facilities, and offices
- Transit coverage: international shipping and local transportation
- Exhibition and loan coverage: gallery, museum, and private loans
- Restoration coverage: costs of professional restoration following covered damage
- Agreed value policies: payouts reflect current appraised value, not depreciated cost
Correct Valuation
Coverage is only as good as the valuation beneath it.
The most common reason for an insufficient insurance settlement is an outdated or inaccurate valuation. Art markets fluctuate; an acquisition made five years ago may have doubled in value, yet coverage often remains unchanged. In the event of a loss, a policy that reimburses at the original purchase price may cover only a portion of the replacement cost.
Our appraisal service works closely with our insurance advisory. We recommend regular revaluation, usually every one to three years, for active collections, and we can oversee this process as part of an ongoing advisory relationship.
Transit, Loans & Exhibitions
Art moves. Your coverage should move with it.
Collections are not static. Works move between residences, enter into loan agreements with cultural institutions, and are transported internationally for exhibitions. Each of these activities introduces risks that standard residential policies do not cover. We advise our partners on comprehensive transit coverage, exhibition insurance from start to finish, and loan agreement cover, ensuring the collection is protected wherever it is and however it moves.
Claims Support
Expert support when it matters most.
In cases of loss or damage, we represent you throughout the claims process, working with specialist loss adjusters, conservators, and the insurer to ensure claims are settled promptly and fairly. Our expertise in the art market enables us to challenge valuations and settlements that do not accurately reflect the true value of the loss.
True protection of a collection begins with understanding its value.
We'd welcome the opportunity to review your current arrangements.