Fine Art insurance

Fine Art risks are unique, and require expert management

At Howden, we have deep experience creating bespoke insurance for galleries, museums, collectors, auction houses, dealers, universities and financial institutions, both in the UK and internationally. 

Our specialist Fine Arts brokers can arrange comprehensive protection for a wide range of collectable items, from paintings and sculptures to glassware, antiques and coins.

Two fine art paintings on office wall

Our offering

Whether personal or commercial, every Fine Art client has unique requirements. We offer a personal service and strive to build a long-term relationship, an understanding of our client's demands and needs, and the ability to create tailored insurance solutions that respond in the event of a loss.

Our aim is to take away the hassle and worry of making sure the correct cover is in place.

We have a wealth of experience, excellent established insurer relationships and the capability to place limits of insurance from £10 million to several billion pounds of cover on bespoke policy wordings.

We also have in-depth experience in designing and placing programmes to cover the full extent of major library collections whether the interest is art, valuable books or manuscripts, standard textbooks or any other related interest.

Resolving claims quickly and effectively is central to everything we do. Our claims resource is embedded within the team and where appropriate it is involved not just when a claim occurs but in the design and the writing of our Fine Art policies.
Barry Vickery
Global Leader of Fine Art & Specie

Scope of coverage

Our Fine Art team designs bespoke cover which can include the following:

  • 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:

  • Museums
  • Private and Corporate Collections
  • Fine art Dealers
  • Shippers and Packers
  • Auctioneers
  • Antique Dealers
  • Coin Collections and Dealers
  • Stamp Collections and Dealers
  • Exhibitions
  • Wine collectors.

Find out more or get a custom quote

Our specialist Fine Art brokers are here to help

Let's talk...

020 3944 4085

We'll put you in touch with the person best equipped to help.

Do you have an existing policy with Howden?

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What to do if you are experiencing financial difficulties

We recognise that the current economic conditions are putting pressure on many households and businesses. At Howden, we are committed to finding ways to assist our customers who may require additional support during these times.

If you’re currently facing financial difficulty, please speak to us about your insurance policies by:-

-contacting your Howden Service Team; 
-calling Howden on 020 7623 3806;
-using the Enquiry form.