Fine art and specie
Protection for irreplaceable works and collections
At Liberty Mutual, we understand that no two collections are alike — and neither are the risks they face. That’s why we offer highly specialized insurance solutions for fine art clients based in the U.S., tailored to help protect valuable works against physical loss or damage while they are on display, in storage, or in transit.
Our U.S.-based Fine Art underwriting team brings deep market knowledge, a collaborative approach, and the financial strength of Liberty Mutual to safeguard what matters most — artistic, historical, and cultural treasures.
Solutions for complex risks
Who we insure
We provide fine art insurance coverage for:
- Museums and cultural institutions — Protection for permanent collections, special exhibitions, and loans — on premises and while in transit
- Private collections — Custom solutions for individuals or families with high-value personal art holdings
- Exhibitions and traveling shows — Comprehensive coverage from packing and shipping to installation and display
- Private jewelry collections — Coverage for items of personal adornment—watches, gemstones, and precious metals
- Galleries and art dealers — Flexible protection for inventory, consigned items, and works in transit or on exhibition
- Artists — Coverage for works in the studio, during transport, and while being exhibited or sold
- Corporate art collections —Tailored programs for businesses with curated art collections in offices or campuses
- Foundations and universities — Specialized support for nonprofit and academic institutions with permanent or rotating collections
- Art in fine art storage facilities — Protection for works housed in third-party professional fine art storage warehouses
What we cover
We underwrite a broad spectrum of fine art and culturally significant items, including:
- Paintings, photographs, drawings, prints, and sculpture
- Antiques, decorative arts, and objects of artistic or historical merit
- Jewelry and watch collections
- Rare books, manuscripts, cameras, silverware, textiles, and tapestries
- Musical instruments and collectible design pieces
- Collectible wine and spirits as part of personal collections
- Miscellaneous one-of-a-kind or highly valuable personal items
Why Liberty Mutual?
- Dedicated Fine Art underwriting team with comprehensive industry expertise
- Collaborative, consultative approach with brokers and clients
- Claims professionals experienced in handling high-value and complex losses
- High limit capacity—line size up to $250 million on both primary and excess basis
- Backed by the financial strength and global reach of Liberty Mutual Insurance
Ready to protect what matters most?
Contact our Fine Art team to learn how we can tailor a solution to your needs.
Jenn Kralovich
Charlotte, NC
Mary Henschke-Berrios
New York
This website is intended to be informational. Descriptions are provided only as a summary outline of the products and services available and are not intended to be comprehensive and do not constitute an offer to sell or a solicitation. The products and services described may not be available in all states or jurisdictions. See your policy, service contract, or program documentation for actual terms, conditions, and exclusions. Any inquiries regarding the subject matter set forth herein should be directed through licensed insurance professionals.
Coverage and insurance are provided and underwritten by Liberty Mutual Insurance Company or its affiliates or subsidiaries. When we offer insurance products, we will state clearly which insurer will underwrite the policy. Some policies may be placed with a surplus lines insurer. Surplus lines insurers generally do not participate in state guaranty funds and coverage may only be obtained through duly licensed surplus lines brokers.
