Skip To Main Content

Fine Art & Specie

Global Fine Art & Specie cover from Talbot for private and commercial clients in the art, banking, jewellery, cash and precious metals industries, protecting valuables in transit and at rest worldwide.

Our Risk Appetite

Why Choose Talbot for Fine Art & Specie Insurance?

Talbot’s Fine Art & Specie insurance protects valuable, often irreplaceable assets – from paintings and antiques to precious metals and negotiable securities – against accidental physical loss or damage, whether in transit or storage.

The Talbot Advantage

Key benefits for broker and clients

Collaborative Underwriting and Tailored Coverage

Our underwriters work directly with brokers to understand each client’s needs, providing transparent, responsive underwriting and cover tailored to the client’s risk profile.

Technical Risk Assessment

We bring rigour and judgement to underwriting, examining the data and detail upfront. This helps brokers reduce potential gaps at the claims stage and gives clients assurance that their cover is fit for purpose.

Claims Excellence

Dedicated Fine Art & Specie claims specialists in London are supported by a global network of conservators, appraisers and adjusters, as well as AIG’s marine claims and risk management expertise. Brokers can reassure clients with claims support built on genuine specialist knowledge. 

Partnership-driven Value

Our technical, flexible approach gives brokers direct access to market-leading expertise on every case. Through detailed underwriting, we help ensure risks are properly assessed, giving brokers confidence that clients’ cover will respond when needed.

Fine Art & Specie at a Glance

13+

Industry sectors covered

6

Solution lines in one place

3

Teams based in London, New York and Singapore

Talbot Fine Art & Specie Solutions

We insure fine art, collectables and jewellery for private individuals, corporate collectors, museums, commercial galleries, dealers, auction houses and exhibition organisers on a wall-to-wall basis. Cover is provided on an All Risks Physical Loss or Damage basis, with limits and extensions tailored to each item's value, fragility and historical significance. 

We cover every stage of the jewellery supply chain – wholesalers, retailers, transporters, miners and diamond processors – against physical loss or damage to stock in their care. Cover can be structured around how a business actually operates, from single premises to multi-site, multi country supply chains. 

For public and private collectors of fine art, specie, antiques and jewellery, we provide cover against accidental physical loss, damage, fire and theft. Limits and extensions are scaled to reflect each item's value, fragility and historical importance, so protection grows with the collection. 

If an exhibition has to be cancelled or curtailed, we cover the resulting loss of income. Cover responds to a broad range of triggers – adverse weather, fire, denial of access to the venue, strikes, transportation delays and technical defects – helping organisers protect the investment behind an exhibition not just the objects. 

General specie insurance provides tailored cover for high-value, high-risk tangible assets that standard property or transit policies may not adequately protect. This can include precious metals, safety deposit boxes, negotiable and non-negotiable securities, bank premises and transit, and mining or vault-related risks.

For specialist cash-handling businesses, including armoured car providers, security companies and major financial institutions, we provide high-capacity cover for loss, theft or damage to cash and valuables in transit.

Client Case Studies

Behind the Seams: Insurance for Iconic Chanel

AIG delivers a unified multi-line programme across five continents, backed by multinational expertise.

Read More

FAQs

It is specialist cover for high value often irreplaceable assets, including fine art, antiques, jewellery, precious metals and negotiable securities, protecting them against accidental physical loss or damage whether they're in transit or in storage. 

Private collectors, corporate collections, museums, galleries, dealers, auction houses, exhibition organisers, jewellers, banks, financial institutions, shippers and packers, armoured car carriers, jewellery manufacturers and retailers, and businesses handling precious metals on mining output.

Fine art cover protects items like paintings, antiques and collectibles. Specie cover protects precious metals, vault contents, safety deposit boxes, and negotiable and non-negotiable securities. 

Yes, Talbot’s Fine Art & Specie cover is designed to protect items both while in transit and at rest, including in storage, on display or in a vault. 

Yes. Our exhibitions cancellation cover protects against loss of income if an exhibition is cancelled or disrupted by events such as adverse weather, fire, venue inaccessibility, strikes, transport delays or technical defects. 

We support Direct, Facultative and Reporting, Excess of Loss, Binding Authority and Lineslip placements, giving brokers flexibility in how business is structured. 

A dedicated Fine Art & Specie claims team based in London is supported by a global network of conservators, appraisers and adjusted adjusters, with additional access to AIG's Marine claims and risk management expertise. 

Our Fine Art & Specie Leadership Team

Related Content

Contact Talbot

Learn More

Marine 

Learn more

Talbot Claims

Learn More