Fine Art & Valuables Insurance
Fit the most unique requirements
Protect your clients’ most treasured possessions with fine art cover.
What is Fine Art insurance?
Fine Art insurance protects your clients’ valuable property during relocation, storage, and display. It also provides contractual and legal liability protection for your business. Our flexible policies are available to professional movers and storage providers world wide, and can be tailored to meet your clients’ specific needs.
Our cover is placed with a panel of established insurers, including Lloyd’s, ensuring high storage limits of up to £100 million, without complex risk-sharing arrangements. The policy is straightforward to manage, with no hidden fees, administrative burdens, or complicated storage declarations.
Key features include:
- Protection for contractual and legal liabilities
- Cover while the art is on exhibition (Exhibition Risks)
- Pairs and sets extension
- Depreciation extension
- Optional terrorism cover
- Errors and omissions extension as standard
- Excess layer coverage
- Worldwide independent claims representation
- High policy limits tailored to your requirements
Our Fine Art cover offers clear and comprehensive protection that matches the unique value of your clients’ collections.
Why do you need it?
Art, antiques, and other high-value items carry risks that go beyond regular property. Accidental damage, theft, or loss can lead to serious financial and reputational consequences, for your clients and your business.
Fine Art insurance ensures:
- Client trust and satisfaction: your clients know their prized possessions are protected.
- Business liability protection: you are covered for legal or contractual responsibility arising during transport or storage.
- Peace of mind: specialised insurance reduces the stress of moving or exhibiting valuable works.
For movers and storage providers who handle fine art, this protection is more than a safeguard. It’s an important part of offering a premium, reliable service.
What does it cover?
We tailor our Fine Art policies to fit the unique requirements of your clients’ collections and your business needs.
Coverage typically includes:
Property Coverage: accidental damage, loss, or theft of fine art and valuables in transit, storage, or on display
Contractual & Legal Liability: protection against claims arising from your handling or storage of items
Exhibition Risks: cover while items are on display for shows, galleries, or exhibitions
Pairs & Sets Extension: ensuring value is protected if individual items from a set are damaged
Depreciation Extension: mitigating loss in value due to accidental damage
Optional Terrorism Cover: for clients or items exposed to heightened risk
Errors & Omissions Extension: standard inclusion for professional liability
Excess Layer Coverage & High Policy Limits: flexible protection for large, high-value collections
Worldwide Claims Representation: ensuring support and advocacy wherever your clients’ items travel
With Reason Global Fine Art cover, your clients’ most valued possessions are fully protected. You and your clients can feel confident and at ease at every stage of relocation, storage, or exhibition.
Looking for something particular?
Please get in touch today if you’re looking for something more specialist, and our expert team will be able to help.
Keep your clients’ property fully protected
Arrange insurance designed to secure customer goods, fleets, and professional risks, so clients remain confident in your service quality.
Speak to our TeamLloyd’s of London Broker
We are the only Lloyd’s of London broker solely dedicated to the moving, self-storage and international relocation industries.
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