Fine arts Insurance
Protecting Your Special Day from Unforeseen Events
InsuranceManager.com brings years of experience in providing tailored insurance solutions for antiques and fine art, specifically designed for commercial dealers and private collectors. Whether you’re an independent gallery owner, an art dealer, or an artist exhibiting at fairs, our policies offer comprehensive protection for your artwork, business, and staff. With competitive premiums and personalized advice, we ensure your collection is safeguarded from unforeseen risks, allowing you to focus on what you do best—preserving and showcasing valuable art.
Key Benefits
- Customized coverage for art galleries, dealers, and private collectors
- Protection for artworks during transport and exhibitions
- Coverage for theft, fire, and accidental damage
- Protection against liability and staff injuries
- Competitive premiums for comprehensive coverage
- Protection for both physical and intangible assets (such as intellectual property)
Health Cover Up
to ₹50 Lacs
What is Fine arts Insurance?
Fine Arts Insurance is a specialized policy that protects valuable artworks, antiques, and collectibles from risks like theft, fire, damage, and transport loss. It offers customized coverage for collectors, dealers, and galleries, ensuring the security and value of art while providing cost-effective protection.
Why do you need Fine arts Insurance?
Protect Valuable Investments
Safeguard your art collection against theft, damage, and loss.
Secure Your Business
Cover your gallery, stock, and employees from unforeseen risks.
Coverage for Transport & Exhibitions
Ensure your art is protected during transport and exhibitions.
Peace of Mind for Collectors
Focus on your passion while knowing your collection is safe and insured.
Why choose Insurance Manager to protect your business?
Comprehensive Protection for Your Workforce
Ensure employee well-being with complete health insurance coverage.
Comprehensive Protection for Your Workforce
Ensure employee well-being with complete health insurance coverage.
Cost-Effective Group Insurance Plans
Affordable plans with benefits like maternity, critical illness, and dependent coverage.
Cost-Effective Group Insurance Plans
Affordable plans with benefits like maternity, critical illness, and dependent coverage.
Peace of Mind for Employers and Employees
Reduce financial stress with cashless claims and reimbursement options.
Peace of Mind for Employers and Employees
Reduce financial stress with cashless claims and reimbursement options.
Boost Employee Productivity and Retention
Build loyalty and motivation by easing economic and mental burdens.
Boost Employee Productivity and Retention
Build loyalty and motivation by easing economic and mental burdens.
What does Fine arts Insurance cover and exclude?
Plan Coverage
Agreed Value Protection
Covers the full agreed value of insured artwork, ensuring you are compensated for its worth.
Transport & Exhibition Coverage
Protects your art during transportation and exhibition, guarding against damage and loss.
Accidental Damage
Coverage for any accidental damage to art, whether in transit or on display.
Theft & Burglary Protection
Protects against the loss of art through theft or burglary from galleries, homes, or storage.
Fire & Natural Disaster Coverage
Covers damages caused by fire, floods, earthquakes, and other natural disasters.
Market Value Protection
Ensures compensation at the market value or liability amount in cases where the art is in your care.
Purchase & Selling Price Coverage
Covers the cost price or selling price of artworks, including commissions or fees.
Private & Commercial Collection Coverage
Tailored protection for private collectors and gallery owners based on the highest value or mutual agreement.
- In-patient treatment 24 hours a day
- Pre-existing disease
- Pre and Post hospitalization
- Domiciliary hospitalization expenses
- Reimbursement of cost of health check-up
- All day care procedure
- Family floater to covers member’s immediate family such as a spouse, dependent children, dependent parents, etc.
- Maternity benefits
- Dental treatment
- Cost of spectacles, contact lenses
- Waiver of waiting period
- Waiver of first-year exclusions
- Reimbursement of ambulance costs
- Baby day one care
- Vaccination benefits
- Increased room rent limits
- Corporate buffer
- Out-patient treatment (OPD Card)
- Root canal surgery
- In-hospitalization expenses due to sickness or accidents
- Room and boarding expenses as provided by the hospital/nursing home.
- Nursing expenses.
- Surgeon, anesthetist, medical practitioner, consultants or specialist fees.
- Anesthesia, blood, oxygen, operation theatre charges, surgical appliances, medicines and drugs, diagnostic materials and X-Ray, dialysis or chemotherapy.
Major Exclusions
Natural Aging & Deterioration
Excludes damage caused by natural aging, gradual deterioration, or inherent defects of the artwork.
Exposure to Environmental Factors
Excludes loss or damage due to aridity, humidity, light, or heat exposure, unless caused by fire or storm.
Damage During Restoration
Excludes loss or damage occurring while repairing, reframing, restoring, or retouching the artwork.
Rust & Oxidation
Excludes damage caused by rust, oxidation, moths, vermin, warping, or shrinking of the art.
Trade in Fake Artworks
Excludes coverage for artwork that is identified as a fake or counterfeit.
Loss Due to Partner or Director Collusion
Excludes loss resulting from fraudulent activities involving collusion by a partner or director
Inventory Loss at Art Fairs
Excludes coverage for losses at art fairs unless specifically notified to the insurer.
War & Terrorism Risks
Excludes damage caused by war, warlike activities, or terrorism unless specifically opted for as an extension.
- If the appropriate waiver is not opted for, then the policy will not cover
- Treatment of pre-existing illnesses.
- Any treatment for illnesses/diseases within the first 30 days of the policy, unless it is an accident.
- Treatment of specified illnesses for the first year of the policy.
- Certain diseases like hernia, cataract, piles, sinusitis, etc are excluded during the first year of operation in the cover.
- Any claim arising out of or traceable to pregnancy.
- Ayurvedic, homeopathy, naturopathy or any other form of local medication.
- Alcoholism, drug abuse, and AIDS.
- Dental treatment or surgery unless it requires hospitalization.
- Cost of spectacles.
- Vaccination and inoculation.
- Cosmetic treatment.
Your Journey to Insurance Manager
When can I Claim?
A claim under Fine arts Insurance can be registered in the below circumstances:
- Theft or Burglary: If your artwork is stolen or burglarized from your gallery or storage.
- Accidental Damage: If artwork is damaged during handling, transport, or display.
- Fire or Natural Disasters: If your art is damaged or destroyed due to fire, earthquake, or other natural events.
Claim what’s yours with Insurance Manager
Have more questions?
Submission
Assessment
