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Private Collections Insurance for High-Value Assets

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There’s a Story Behind Your Treasures

Collections tell a story. Beyond the provenance of each piece, the items you’ve gathered over a lifetime reflect your experiences, passions, and achievements. Protecting them requires the same care and discernment that guided their acquisition.

Whether you own a few treasured items or a comprehensive, curated collection, our private collections specialists bring the knowledge and perspective needed to safeguard your legacy, so your story endures generations to come.

Understanding Insurance Considerations for Your Collection

While a homeowners policy may include some coverage for personal property, it typically provides limited protection for high-value items or extensive collections. As your collection grows — whether intentionally curated or accumulated over time — it’s important to know when a dedicated collections policy becomes appropriate.

Together, we can review your current coverage, identify potential gaps, and recommend when it makes sense to transition to standalone protection. Collections coverage can address common risks associated with these assets, including accidental damage, shipping losses and theft.

A distinct collections policy helps safeguard tangible assets such as:

  • Fine art
  • Jewelry and watches
  • Wine and spirits
  • Antiques
  • Memorabilia
  • Collectibles
  • Musical instruments
  • Stamp collections
  • Designer clothes, handbags, and shoes
  • Gold, bullion, and precious metal collections
  • Numismatics (coins, paper money)

Preservation, Mitigation, Recovery and Resilience for Private Collections

Preventing loss is a fundamental part of effective collections management — especially since many claims can arise from simple human error. We connect customers with specialists who understand the nuances of your collection type, whether within Brown & Brown or through trusted carrier relationships and third-party resources.

For discerning collectors, our risk management services complement the guidance of your trusted advisors, curators, and conservators. We can assist in areas such as:

  • Vulnerability assessments for works on display or in storage
  • Severe weather and environmental preparedness planning
  • Referrals to vetted appraisers, shippers, and restoration professionals
  • Recommendations for inventory systems and digital cataloging solutions

In the unfortunate event of damage or loss, we recognize both the financial and emotional significance of your collection. Our team can serve as your advocate throughout the claims process, to help make sure your interests remain top priority with the insurance company.

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Additional Resources

Connect with Brown & Brown

Our Private Client Services team can help you safeguard your most valued collections through specialized coverage and advisory support. Connect with a Brown & Brown professional to explore tailored protection options and proactive strategies that align with your collection’s unique characteristics and value.

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