Fine Art Insurance

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Rinkos Insurance Solutions is a market leader in insurance broking. We help clients better quantify and manage risk to survive and thrive.
Being a Network Partner of one of the largest insurance broking companies, we have the capacity to handle a broad range of risks on either a direct or a wholesale basis.
Drawing on solid relationships with London and global markets we’ll do our utmost to find the right solution for you.

What is Fine Art Insurance

There are many reasons why people choose to buy and collect art. Some have an emotional connection to an important yet expensive piece of history. Art collections often hold significant physical value that tends to appreciate over time. However, an investment of such magnitude can make your wealth more vulnerable.

Without proper preservation and protection, fine art is exposed to various risks, both accidental and intentional. Fine art insurance provides essential protection and coverage if an insured piece is lost, stolen, or damaged. Since fine art is highly sensitive to damage, obtaining fine art insurance is crucial for preserving its value.

Who Needs Fine Art Insurance

Fine art insurance can cover a wide variety of objects. Although “fine art” is traditionally associated with sculptures, paintings, and similar works, fine art insurance can extend to items ranging from paintings to jewelry or even a sword collection.

It is important to check whether this type of property is covered under your homeowner’s insurance and secure additional coverage if it is excluded.

Fine Arts Coverage

Fine art property insurance provides the necessary coverage in these cases:

  • Damage in transit
  • Accidental damage
  • Natural perils
  • Theft
  • Fire
  • Water damage
  • Compensation for depreciation
  • The opportunity to buy back a missing item that is found later for the value of the claim

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