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Fine Arts Insurance

ACE's Fine Arts Insurance provides specialized coverage, financial capacity and underwriting flexibility to meet the insurance needs of museums, galleries and institutional or commercial fine arts collections.


  • One of the world's leading underwriters of fine arts
  • Customized valuation and coverage for unique collections
  • Sophisticated loss prevention services
  • Specialized claim, recovery and conservation services
  • Claims and Special Investigative Units for assistance in recovery of stolen objects
  • Indigenous expertise and world-class service in more than 170 countries, including ACE-owned offices in all major markets


  • Broad form wall-to-wall fine arts coverage designed to provide superior flexibility to the client
  • Fine arts coverage for loss or damage to fine art/objects that are owned or for which the insured is legally liable
      • In your permanent collection
      • On loan to others
      • In storage
      • On loan to you
  • Comprehensive coverage, including:
      • Unnamed location coverage
      • Loss buy-back provision
      • Reward for stolen object recovery

Minimums & Limits

  • $5,000 minimum premium
  • $50 million limit
  • $5,000 minimum deductible

Target Client

  • Museums or galleries that require a flexible fine arts insurance policy and specialized claims handling
  • Museum, corporate or university collection with well established loss control procedures and a desire to partner with a specialized fine arts insurance provider with a global reach
  • Municipal museums
  • Specialty museums and collections
  • Historical society collections
  • Private museums
  • College/university collections
  • Corporate collections
  • Art dealers

Submission Requirements

  • Acord application with description of operation, coverage limits/requirements, transit/exhibitions planned and three year loss history
  • Statement of Values including construction, occupancy, protection and exposures at each location
  • Appraisals upon request