Skip Navigation

Fine Arts Insurance

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

Benefits:

  • One of the world's leading underwriters of fine arts
  • Capacity available in various positions
    • Primary
    • Entire risk
    • Quota-share
    • Excess
  • 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.
  • ACE Group resources worldwide, with indigenous expertise and world-class service in more than 170 countries, including ACE-owned offices in all major markets - 53 countries to date

Coverage:

  • Broad form wall-to-wall fine arts coverage designed to work with ACE customized loss control to provide superior flexibility to the client

Minimums & Limits

Minimums

  • Minimums determined on an account specific basis

Limits

  • $100 million
  • Additional limits can be considered on an account specific basis

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
  • Private and corporate collections
  • Art dealers

Submission Requirements

  • Acord application with description of operation, coverage limits/requirements and 3 year loss history
  • Statement of Values including construction, occupancy, protection and exposures at each location
  • Appraisals upon request

Coverages

  • Fine arts coverage for loss or damage to fine art/objects which are owned or for which the insured is legally liable:
    • In your permanent collection
    • On tour worldwide
    • 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