Art may be appreciated for its beauty, emotional power or creativity, but it also appreciates in value. That’s where Collectibles Insurance Services comes in – we provide art insurance coverage that gives you great peace of mind!
Whether your fine art collection consists of an oil on canvas, marble sculpture, artist’s proof giclée, or any other mediums, our decorative art and fine art insurance experts understand the uniqueness and the value of each piece in your collection. And because we value your collection as much as you do, we created a delightfully simple process that offers valuable features to insure your treasured art.
- Accidental Breakage
- Flood (except in Zones A & V)
- Loss in the Mail
- Natural Disasters
- Other causes of loss, unless specifically excluded from the policy (see exclusions)
Fine Art Insurance Coverage at Home and Away
- Travel – Transit coverage protects collectible property that is temporarily away from the scheduled location, subject to the policy sublimit.
- Exhibitions – If you’re at a scheduled exhibition, show, or display, coverage is provided for your collectibles up to the policy limit – including travel and shipping to and from the event.
- Storage Facilities – For an additional premium, we offer optional insurance coverage for collectibles kept in a public storage facility.
An Insurance Company With More Affordable Rates
Our fine art insurance policy offers affordable coverage! Typically, you will pay less than it would cost to schedule the same items under a homeowners coverage policy.
Less Paperwork and Red Tape
Unlike homeowners coverage, our fine art insurance coverage does not require a schedule or appraisal for most items; however, you are responsible for maintaining your own inventory for insurance purposes (in the event of loss). The only exceptions are individual items or sets valued over $25,000 apiece, which would have to be scheduled.
We’re Proven and Trusted
Our fine art insurance policies are proven and trusted! We have been protecting collections like yours since 1966. And all coverage is provided by a carrier with a group rating of “A” (Excellent) by AM Best – the leading rating agency for the insurance industry.
Deductibles starting at $0
Deductibles start at $0 for collector policies. We provide coverage for the market value of your collectibles for losses in excess of $50. All dealer policies have a $200 deductible.
Insurance that grows with your collectibles
Collections tend to grow, so your fine art policy can be adjusted to include any additions to your collection.
You may select “Automatic Monthly Increase” as optional coverage to be added to your policy for new acquisitions and appreciation of your existing collection. Selecting this coverage will apply an automatic monthly increase of 1% in coverage, up to a maximum of $1 million.
We provide coverage for dealers, too
If you want to protect your dealer inventory and your clients’ private collections, for which you are responsible, we also offer special Dealers Insurance.
Superior customer service
Our company was started by collectors so it’s only natural that each insurance representative pays attention to your interests and needs. And that our customer service would always be geared to the collector’s point of view.
Prompt and personal claim service
As experienced specialists in collectibles, our adjusters understand their value and importance to you. That’s why, should you have a claim, they make every effort to make sure it is settled as quickly and completely as possible.