FINE ART INSURANCE
Get comprehensive insurance cover for your art
- Understand the risk
- Value art
- Design insurance specific to you
- Negotiate terms with insurers
- Support claims settlement
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Art Insurance Advantage
Accidental Damage
Cover your art piece from the damage due to various types of accidents such as fire, natural disasters, plane crashes amongst others. Accidental damage occurs frequently during public exhibitions and transportation. Art pieces should also be protected from the surrounding environment, for example, exposure to cleaning agents and smoke can damage the art work.
Burglary and Theft
Cover yourself against the loss and damage due to burglary by forceful entry and also the theft which is an inside job. Risk of theft is high in case of small, easily portable collectible items specifically valuables made of gold and silver.
Fire and Allied Perils
Damage due to fire, lightning, storm, tempest, flood, inundation, riots, strikes, malicious damage are insured. Also, you can extend your coverage to damage due to smoke, explosion, aircraft or vehicle impact and more by paying extra premium.
Transit
An art piece is vulnerable to damage when it is being moved; from the point, it is lifted off from one place till the time it is placed at another place. When the art pieces are moved domestically or internationally, even though it is packed, the damage to the art work can be caused due to vibrations or shocks in transit. Art insurance can cover the losses due to damages during transportation.
Why Claims Get Rejected?
Short Circuiting
Typical examples include natural ageing, gradual deterioration, wear & tear inherent defect, rust, oxidization, aridity, humidity, exposure to light and consequential loss.
Gradual Deterioration
Damage or theft that is committed by or in collusion with any principal, shareholder, partner, director, officer or other employees of the insured.
Willful Act or Misconduct
Claims are often rejected if packaging material is sub-standard or not customary. This can be contentious in claims settlement. A good practice is to declare packaging upfront and agree with the insurer that this is sufficient.
FAQs
Galleries, private collectors,
companies and dealers can buy this fine art insurance policy.
Incase you do not have bills for
your art, we will assist you in getting a full valuation done
by experts on our panel. These valuations will be accepted by
insurers.
Premiums are paid annually through
cheques, demand drafts or direct money transfer.
You will be required to inform
your insurer or us. The insurer will then appoint a surveyor
depending on the quantum of loss and ask for details of the
loss. We support you in presenting the case properly and
following up with the insurer for settlement.
