Agreed-value coverage for paintings, sculpture, photography, prints, and mixed media — at home, in transit, or on loan.
Every major fine art medium — from old master paintings to contemporary installation works — can be individually scheduled and protected at agreed value.
Oil, acrylic, watercolor, gouache, encaustic, and tempera on any support — canvas, panel, or paper.
Pencil, charcoal, ink, pastel, and mixed media on paper or board — including historical documents with art status.
Limited edition prints, lithographs, etchings, screen prints, monoprints, and artist's proofs in numbered editions.
Vintage and contemporary fine art photographs — silver gelatin, chromogenic, inkjet, and cibachrome prints, framed or unframed.
Bronze, marble, ceramic, glass, wood, resin, and mixed-media three-dimensional works — including fragile and large-format pieces.
Works combining multiple materials or requiring site-specific installation — including light, sound, and kinetic components.
Antique and contemporary woven works, needlework, and fiber art — with attention to climate-related risks such as fading and moisture.
Coverage for the physical component of NFT-linked or digitally-generated works — prints, screens, and physical certificates of authenticity.
Specialist fine art policies go well beyond what a homeowners rider can provide. These are the features that matter most to serious collectors.
In the event of a total loss, you receive the full scheduled value — no depreciation, no actual cash value adjustments. What you insure it for is what you collect.
Protection follows your collection wherever it travels — at home, in transit, at art fairs, in storage facilities, and while on loan to galleries or museums.
Coverage automatically extends to works on loan to accredited institutions. Facility reports from the borrowing institution may be required for high-value loans.
Newly purchased works are automatically covered for 30–90 days (varies by carrier) from the date of acquisition — giving you time to add them to your schedule.
If a work goes missing without a known cause, coverage applies. No police report is required to file a claim — an important distinction from homeowners policies.
Sculptures, ceramics, glass, and glass-framed works are covered for accidental breakage — a peril typically excluded from homeowners policies entirely.
After a covered partial loss, the policy pays for museum-quality conservation and restoration by qualified conservators — not just surface repair.
Select carriers offer legal cost coverage for title disputes and provenance challenges — increasingly important for works with gaps in documented ownership history.
Being prepared with the right documentation speeds up underwriting and often results in more favorable pricing.
Tell us about your collection and we'll shop the market for you — no obligation.
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