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Comprehensive Insurance Solutions for Fine Art Businesses

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Galleries, dealers, auctions, art advisors, appraisers, warehouses, shippers, conservators, and other fine art businesses handle irreplaceable assets and navigate complex risks every day. The fine art specialists at Brown & Brown provide innovative insurance and risk management solutions for your entire operation.

In addition to protecting fine art, we help with property insurance, coverage for your business vehicles, employee benefits and more, with holistic programs that allow you to focus on what you do best.

Who We Serve: Supporting the Fine Art Community

Brown & Brown collaborates with fine art businesses of all types, tailoring solutions to your specific risks and goals.

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Art Galleries

From installation to shipping and handling of art objects, the commercial exposures for galleries constantly change to meet the needs of the market. This requires flexible fine art coverage. We also assist with insurance and risk management review of proposed new gallery sites to help inform real estate and renovation decisions. A charming historical site will have different risk considerations than new, fire-resistant construction.

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Auction Houses

Brown & Brown helps auction houses plan for the risks involved with buying, selling, and transporting high-value art and collectibles. We create custom policies that recognize the changing value of objects throughout the auction process, before and after the sale. 

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Private Art Dealers and Advisors

Every sale involves activities where loss can occur—installing, de-installing, viewing room exposure, shipping and more. You need insurance solutions for everything from human error to natural disasters. Having your own coverage can streamline your deals, providing confidentiality for contacts on both sides of a sales transaction. 

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Packers, Shippers, and Fine Art Warehouses

We offer specialized insurance programs that extend liability for your customers’ artwork while you transport or store their property, providing them with peace of mind. 

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Appraisers and Conservators

As you evaluate, preserve and restore cultural treasures, a minor mistake can lead to a legal challenge and financial loss. Professional liability insurance helps protect you against claims of negligence, errors or omissions in your professional services, so you can safeguard your balance sheet and reputation. You also can secure coverage for potential damage to art while it is under your care, custody, and control. 

Key Risks Facing Fine Art Businesses

Brown & Brown works closely with you to help identify and solve for a wide range of challenges:

Physical and Transit Risks

Damage, theft, and loss are constant threats. Art is vulnerable during shipping, installation, and exhibition. We provide guidance on protective measures.

Why Fine Art Businesses Work with Brown & Brown

With us, you work with one dedicated team that truly understands your world.

We provide:

  • Consignment and loan agreement reviews: We look at your documents to identify insurance and risk management requirements and concerns.

  • Advice on security and fire systems: Our loss control specialists can answer questions about insurer requirements and more.
  • Fast turnaround on certificates of insurance (COIs): Speed can be essential for meeting contract deadlines, securing an important consignment or loan and keeping transactions moving smoothly.

  • Worldwide logistical advice: Wherever you do business, we can help you navigate local insurance requirements and arrange specialty coverage for art fairs and other needs.

Fine Art Insurance FAQs

Fine art insurance typically covers physical loss or damage to artwork from a wide range of causes, such as theft, fire, and accidental breakage. Policies can be tailored to include coverage for art in transit, at art fairs or on loan.

Brown & Brown provides guidance to help you manage the insurance complexities of shipping art across borders. Our team understands the insurance and logistical requirements for international transit and can arrange coverage based on the destination.

Your business stores valuable data, including client lists, sales records, and provenance details. A cyberattack can compromise this sensitive information, leading to financial and reputational damage. Cyber insurance helps cover costs related to data recovery, legal fees, and crisis management. Because the price is low compared to the cost of a data breach, art businesses purchase cyber insurance for peace of mind and balance sheet protection.

We conduct thorough reviews of your operations, contracts, and inventory to help assess whether your coverage levels align with your risk profile. You want policy limits that reflect the true value of your business and the art you handle.

Insurance companies often impose caps on the total insurable value at a single location (the aggregation of all values located there). If your business is close to these caps, we work with you to identify potential solutions.

Additional Resources

Connect with Brown & Brown

Brown & Brown helps galleries, dealers, auctions, advisors, warehouses, packer/shippers and other fine art businesses protect their operations through tailored insurance programs. Our specialists can review your current coverage, discuss risk management strategies, and provide insights to help support your business continuity and reputation.

Connect with Our Team