The appreciation of art

Art may be appreciated for beauty, emotional power or creativity, but it also appreciates in value. That’s where we come in. 
 
Whether the art you collect is an oil on canvas, marble sculpture, artist’s
proof giclée, or any other mediums, our decorative art and fine art experts understand the uniqueness of each collection. We have experience insuring collectors of all artistic creations who appreciate the scope and special coverage. 


A full range of protection


Our comprehensive coverage includes (but is not limited to):
  • Accidental Breakage
  • Burglary
  • Fire
  • Flood (except Zones A & V)
  • Loss in the Mail
  • Natural Disasters
  • Theft
  • Other causes of loss, unless specifically excluded from the policy. See Exclusions.


At home and away


We provide coverage for any scheduled location in the United States. 
But that’s not all:
  • Travel—Transit coverage protects collectible property that is temporarily away from the scheduled location, subject to policy sublimit.
  • Exhibitions—If you’re at a scheduled exhibition, show or display, coverage is provided for your collection up to the policy limit—including travel and shipping to and from the event.
  • Storage Facilities—For an additional surcharge, we offer optional insurance coverage for collectibles kept in a public storage facility (up to $100,000).


More affordable rates


Typically, you will pay less than it would cost to schedule the same items under a homeowners policy.


Less paperwork, red tape and appraisal expense


Unlike homeowners insurance, we do not require you to inventory all the separate items in your collection or pay to have them appraised. Only individual items or sets valued at $25,000 or more will need to be scheduled. (You are, however, responsible for maintaining records of your collection for insurance purposes.)


Proven and trusted

We have been protecting collections since 1966. And all coverage is provided by a carrier rated “A” by A. M. Best—the leading rating agency for the entire insurance industry.


Market value less $0 deductibles

Deductibles start at $0 for collector policies. We provide coverage for the market value of your collection for losses in excess of $50. All dealer policies have a $200 deductible.


Adding to your collection


Collections tend to grow, so your policy can be adjusted to include any additions to your collection.


Inflation coverage

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 percent in coverage, up to a maximum of $1 million.


Superior customer service

Our company was started by collectors so it’s only natural that we would pay attention to your interests and needs. And that our customer service would always be geared to the collector’s point of view. With us, it’s always personal.


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.


Got a minute? Get a quote.

Try us out. To see how prompt and personal our service can be, simply click here for a policy price quote.