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Fine Arts Insurance - Private collectors, dealers and gallery owners

The right cover to protect your fine art and collectibles

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  • Fine Arts Insurance
  • What it covers
  • Exclusions

Fine Arts Insurance - Private collectors, dealers and gallery owners

The property is insured against physical loss or physical damage.
It shall not be permissible to issue any Fine Arts Policy with unlimited liability.
The coverage is limited to within the territorial limits specified in the Schedule.
The coverage is subjected to exclusions, basis of valuation and conditions.
The policy does not cover natural ageing and gradual deterioration.
The policy is issued on claims made basis on Duty to Defend basis.
  • What it covers?
  • Exclusions

What it covers?

The basis of valuation would depend on the type of cover being sought as per :
  • Insured own property– value agreed.
  • Sold item not delivered- selling price - fee commission.
  • Purchased item- cost price + fee/commission.
  • Property in Care Custody and Control-market value/liability, whichever is less.
  • Usually, the following % are used as Valuation for Dealers & Gallery owners.
    • Cost price + 20% or
    • Selling Price - 30%.

Fixation of SI would be at least the actual value of the property as agreed mutually above for private collectors and the highest value of the stock at any given point of time for Dealers and Gallery owners.

Exclusions

Exclusions

  • Natural aging.
  • Gradual deterioration.
  • Inherent defect.
  • Rust/oxidation, moth, vermin, warping, shrinking.
  • Loss during repairing, reframing, restoring, retouching.
  • Aridity, humidity, exposure to light, heat unless caused by fire, storm/frost.
  • Loss by collusion of the partner, director.
  • Inventory loss.
  • At fairs unless notified.
  • War and warlike activity.
  • Terrorism unless opted as an extension.

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    IRDAI registration number: 106, dated 4-12-2000, CIN: U74899DL2000PLC107621
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