Fine Art insurance
Comprehensive protection for a wide range of collectables
Insurance programmes that go beyond the norm require expert management
Fine Art is a unique sector requiring specialised expertise to manage risk effectively, whether for personal, commercial, or institutional clients. At Howden, we offer bespoke insurance programmes designed to meet the unique needs of each client, providing responsive solutions that deliver peace of mind in the event of a loss.
Backed by extensive experience and strong relationships with established insurers, we offer tailored policy wordings with coverage limits of up to several billion USD. Our expertise, scale, and market leverage enable us to secure the best possible outcomes for your business.
We also specialise in designing and placing programmes that cover the full range of high-value collections, including art, sculptures, antiques, collectibles, wine, musical instruments, valuable books, manuscripts, precious metals, and more.
Scope of coverage:
- Depreciation
- Reparation cost
- Natural catastrophes
- Terrorism, war and riots
- Nail to Nail coverage
- Furniture, fixtures and fittings of the gallery or museum
- Defective Title
- Professional Indemnity
- Agreed value of pair of items, when one of pair or set is lost or damaged
- War whilst the interest is in transit
- First loss coverage basis
- Contingent coverage
- Difference in conditions or limits
Our client base includes:
- Private art collections
- Museums
- Corporate art collections
- Exhibitions and transit
- Galleries
- Art dealers
- Shippers and packers
- Wine collectors

Jewellers' Block
Heists don't just happen in films. Protect your stock and your reputation with Jewellers' Block insurance