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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.

Benefits:

  • 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

Coverage:

  • 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