Fine art insurance

Why choose DUAL?Who we work withCoverage options Underwriting requirements
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Specialist underwriting for fine art and collectibles

Fine art insurance protects valuable works of art and other collectibles against loss or physical damage, including wall-to-wall transit coverage.

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Why choose DUAL?

  • Built for speed

    When time is tight, speak to us. Our flat hierarchies and streamlined processes allow for fast decisions.

  • All about service

    As an independent business, always thinking long term, everyone is committed to great service. Give us a try and see for yourself.

  • Quality claims handling

    Fast, efficient and fair – we design our claims processes to make life as easy as possible for you.

  • Primary and excess layer coverage

    Equally comfortable leading or following, DUAL can augment your existing strategy or develop bespoke solutions around client needs.

Who we work with

Our risk appetite takes in all manner of artworks and collectibles, including paintings, sculptures, ephemera, jewelry, watches, couture, antiques, rare books and manuscripts, and other objects of artistic or historical merit.

Current insureds include:

  • Museums
  • Fine art galleries
  • Private dealers
  • Travelling exhibitions
  • Universities and educational facilities
  • Religious institutions
  • Personal collectors, including jewelry collections
  • Corporate collectors
  • Municipalities
  • High-net-worth individuals - DUAL Domus Art offers coverage for residential houses, including contents, collectables and liability.

Outside of appetite

  • Jeweler’s block
  • Standalone jewelry
  • Fine art packers and shippers
  • Rug dealers
  • Cash in transit
  • Conservators
  • Artists
  • Numismatic dealers 

Limits and premiums

Up to $30m

for primary placements

Up to $50m

for excess positions

$25m

attachment point for excess positions

$2,500

minimum premium

Coverage options

  • Worldwide coverage, including terrorism 
  • Wall-to-wall coverage for domestic and international fairs and exhibitions
  • Comprehensive worldwide transit coverage
  • Primary, excess or quota share cover available
  • Jewelry coverage for personal collections if part of a larger fine art schedule
  • Flood and earthquake coverage for critical and non-critical CAT exposures
  • Efficient platform: low touch for low threshold accounts
  • Flexible deductible options
  • Non-admitted DUAL proprietary policy forms

Additional coverage

  • Defense costs for defective title
  • Damage while at any repairer
  • Restoring and retouching service
  • Automatic acquisitions provision
  • Confiscation coverage
  • Event cancellation
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Underwriting requirements

We’ll consider each risk on its own terms, working with you to find the right solution.  

To get started  we’ll need comprehensive details of the artworks / valuables to be insured, including professional valuations, plans for how it is stored and transported and relevant security arrangements. We’ll also need to know the insurance history of the organisation or collector.

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