Specialist art
insurance advisory
Art Insurance
Why Specialist Cover Matters
Why standard insurance fails art collections
Standard home or contents insurance policies are not suitable for art collections. They often have sublimits that limit payouts well below replacement value, exclusions for transport, loans, and temporary displays, and claims processes managed by 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 for collections, with no sublimits, worldwide protection including transit, and claims support from experts who understand the art market.
What We Arrange
Specialist art insurance coverage
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 customised to each partner’s collection, locations, and usage patterns.
Correct Valuation
Valuation-led insurance
The most common reason for insufficient insurance settlement is an outdated or inaccurate valuation.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 collaborates closely with our insurance advisory. We suggest 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
Transit, exhibition and loan cover
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 a risk 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
Art insurance claims support
In cases of loss or damage, we represent you throughout the claims process, collaborating with specialist loss adjusters, conservators, and the insurer to ensure claims are settled promptly and fairly. Our expertise in the art market allows us to challenge valuations and settlements that do not accurately reflect the true value of what has been lost.
Proper protection begins with proper valuation. We’d be glad to review your current arrangements.