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Fine Arts Insurance
Fine Arts coverage highlights
We offer flexible, worldwide coverage options to meet your unique needs, and cover most fine art losses with no deductible.
We only require appraisals for individual fine art items valued at $250,000 or more. Otherwise, we just need a detailed description and estimated value.
We’ll work with you upfront to determine the value of your fine art. Then, for covered total losses, we’ll make sure you get 100 percent of the agreed value as a cash settlement.
If you already have fine art that is itemized on your policy, your newly acquired artwork is covered for up to 90 days (25 percent of the itemized coverage).
If the market value of an item before a loss exceeds the amount of coverage, we’ll pay up to 150 percent of the amount itemized on your policy to account for increases in market value.
Protect an entire art collection with blanket coverage, itemize your fine art pieces individually, or do both. It’s up to you.
Frequently asked questions
Whether you own one piece of fine art, a number of outdoor sculptures, or a whole collection of artwork, insurance for your collection can provide you with peace of mind, knowing that you’ll be able to repair or replace it after a covered event.
With Chubb art insurance, you’re automatically covered for new purchases worldwide, whether they’re at your home, a gallery, or in storage, and you’ll have access to qualified experts who can share tips on how to protect your art from harm or refer you to the art specialists you need.
Chubb’s fine art practice brings together the expertise of our worldwide in-house resources in underwriting, loss prevention, and claims. Our specialists have degrees and advanced training in art and collectibles, and prior experience working for museums, galleries, auction houses, and art warehouses. They are available to provide referrals to fine art professionals as well as services such as:
- Review of loan and consignment agreements — To determine the acceptability of a borrowing institution such as a museum or consignee from a loss-control perspective.
- Staff management training — To ensure that your household staff understand the proper way to care for, clean around, and protect artwork and outdoor sculpture, including environment controls, protecting items in high-traffic areas, and temporary storage of items onsite.
- Pre-renovation consultations — To help protect your fine art collection from dust, debris, vibration, and other hazards associated with a home renovation or addition.
"I can’t imagine having any other insurer other than Chubb."
Ronald & Noah, New York, NY
Coverage related to fine arts insurance
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This information is descriptive only. All products may not be available in all jurisdictions. Coverage is subject to the language of the policies as issued.