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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.


  • 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


  • 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 determined on an account specific basis


  • $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


  • 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