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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See escalation matrix, send service requests, track progress, get acknowledgements etc.
Manage claims.
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Network Hospital List
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Product 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.
Claim Documentation
The insurer should be immediately informed about the incident and in order to experience hassle free claim procedure you need to extend full-cooperation with your insurer & surveyor and produce all the necessary documents.
Add-on Covers
Besides the standard fire and special perils cover, you can get add on covers such as terrorism, earthquake, omission to insure, and impact damage due to own vehicle.
Warranties
Most policies have in-built warranties that insured needs to take care of e.g., fire extinguishing appliances, presence of round the clock security guard.
Why SecureNow
Deep
Product Knowledge
Product Knowledge
We have specialized marine underwriters and tie-ups with international experts.
Cost-effective
Insurance
Insurance
We work with all insurers to get you the best options- both in terms of price and features.
Quick Turnaround
Cover notes are issued within hours of request. This ensures that your goods don’t sit idle at any stage.
Strong Claim
Support
Support
We manage all aspects of your claim - from survey appointment to documentation to insurer follow-up.
Value Added
Services
Services
We will advice you on risk management best practices.
Policy Administration
System (PAM)
System (PAM)
See all your contracts renewal information in one place. Place service requests on PAM.
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.
