Insurance for Jewellers, fine art and antiques

Why do you need specialist insurance?

Dealing with such attractive stock you need to make sure your insurance arrangements are correct.

  • Specialist policy
    We arrange placement on to a specialist jewellers' insurance, fine art insurance or antique insurance policy underwritten by a well-recognised company, protecting your business assets and giving you peace of mind.
  • Tailored insurance programme
    Disruption to your business following an incident can severely impact your ability to operate profitably and effectively. We work with you to understand your individual business risks and advise on a tailored insurance programme that best fits your needs.
  • Proactive approach
    We keep you informed and carry out regular reviews ensuring the insurance program evolves with your business and that you stay protected.

How we can help

From insurance for jewellers and art and antique dealers, to making a claim our comprehensive service can ultimately lead to time savings, risk reduction and cost control.

With our experience in the placement of jewellers' insurance, fine art insurance and antique insurance in a limited and niche market, we’re confident we will be able to meet your expectations from a pricing, coverage and servicing perspective.

Who is it for?

Jewellery retailers or wholesalers
Jewellery repairers or manufacturers
Antique dealers
Fine art galleries or dealers
Auction houses

Fine art, antique and jewellery business insurance: what can be covered?

Stock, Goods in Trust and Money

  • Theft including snatch and grabs, sleight of hand, distraction
  • Hold ups
  • Stock left out of the safe whilst the business is closed
  • Stock being worn by staff, customers, relatives or approved persons
  • Stock in transit by approved persons including unattended vehicle cover
  • Sendings by special delivery, ordinary post or courier within the UK and anywhere in the world
  • Pre agreed seasonal increase of stock sum insured
  • Damage to stock whilst being worked on
  • Entrustment of stock to third parties
  • Fidelity guarantee (Protection for loss as a result of dishonest or fraudulent acts by staff)
  • Defective title
  • Pledged goods and buybacks (pawn broking)
  • Personal collections

Material Damage

  • Buildings
  • Tenants’ improvements, fixtures, fittings and all other content
  • Portable equipment away from the premises in the UK or anywhere in the world 

Business Interruption

Ask yourself this question – Does your current policy adequately protect the income of the business in the event of downtime following an insured loss and does the indemnity period set give your business time to recover back to the position it was in prior to the incident? If you have any doubts, please contact us for a review. We are able to incorporate cover for the following:

  • Unspecified / Specified Suppliers and Customers
  • Denial of Access
  • Failure of Public Utilities
  • Rent Payable / Receivable

Liability and Professional Indemnity

  • Public Liability
  • Products Liability
  • Employers Liability
  • Professional Indemnity (Protection for errors in valuations)

Other Covers Available

  • Personal Accident as a result of Assault
  • Terrorism

Frequently asked questions

I carry out valuations. Are you able to assist?
Yes. Our specialist policy can extend to include professional indemnity insurance cover, providing protection against wrongful valuations.
Does there always need to be forcible and/or violent entry/exit to my premises for there to be cover following a theft?
No. Our specialist policy provides ‘full theft cover’, including distraction and sleight of hand, which are common claims within the jewellery trade.
Does the policy provide cover for stock away from the premises?
Yes. Cover can be arranged, whether your stock is being worn, entrusted to someone, at home, is in transit within own vehicles or being sent by post within the UK or anywhere in the world.
Does the policy cover stock in unattended vehicles?
Yes. Each case is dealt with on its own merits but as long as security of the vehicle is up to the standard insurers would expect then cover can be incorporated.
I have purchased an item and added this to my retail stock but it transpires that this had previously been stolen and has now been recovered by the police. I have suffered a financial loss as a result. Am I covered?
Yes. The defective title section of our specialist policy will consider these types of claims subject to the terms and conditions of the policy wording.
We have suffered a large theft previously. What assistance can you offer?

There are a number of options available to existing clients such as:

  • Full review of existing insurance program to ensure cover meets the needs of your business.
  • Access to a specialist jewellery, fine art and antiques surveyor and risk consultant.
  • Our specialist team have relationships with security companies who can offer advice on improving the security of the business and helping to reduce potential future incidents.
  • Access to a dedicated risk management team and business continuity planner.
Access to these services would become available to all new clients too.
Are you able to assist in placement of other insurance policies?
Yes. We have a vast amount of experience and specialisms throughout the business in placing all types of commercial and personal insurance. Included within existing clients’ insurance portfolios are policies such as motor fleet, property owners, group personal accident and annual travel, management liability, cyber liability and many more.