Fine art and specie

Protection for prized valuables

From armored car operators to world-famous museums, a diverse range of businesses have art, jewelry, collectibles, and other valuables that require protection.

Fine art and specie require specialized coverage, as well as a true understanding of the unique risks involved. That’s why customers rely on us to help protect against physical loss or damage of their precious assets – whether they’re on display, in storage, or in transit.

We underwrite risks to a broad range of fine art and valuables, including: 

  • Collections of fine art including paintings, etchings, prints, photographs, statuary, artistic merit, antiques, historical, rarity and other works of art, antiquities, musical instruments, silverware, cameras, rare books, manuscripts, rugs, textiles, tapestries, miscellaneous collectibles, etc. 
  • Jewelry: Covers articles of personal adornment including watches, generally containing gemstones, silver, gold, platinum, or other precious metals or alloys. 
  • Coins: Covers coins, medals, paper money, bank notes, tokens of money, coin albums, containers, frames, cards, display cabinets in use with such collections, and other numismatic property. 
  • Stamps: Envelope, official revenue, match and medicine stamps, covers, locals, reprints, essays, proofs, books, pages, and other philatelic mountings. 
  • Wine: Collectible wines and spirits including vintage and investment wine collections. 
  • Miscellaneous collectibles: All other individually owned items of personal nature not previously categorized in the above predefined coverage categories. 

With experience in fine art, general specie, jewelers block, and cash in transit, our underwriters are accustomed to dealing with high-value, sensitive risks.

Solutions for complex risks

Fine art 

We provide fine art coverage for: 

  • Museums 
  • Private collections 
  • Exhibitions 
  • Private jewelry 
  • Galleries 
  • Foundations and Universities 
  • Artists 
  • Art in Fine Art Storage Facilities 
  • Terrorism 

Line size: $250 million or equivalent 

General specie 

We provide general specie coverage for: 

  • Banks – premises and transit 
  • Vault risks 
  • Bullion, Precious metals 
  • Non-negotiable and negotiable securities 

Line size: $250 million or equivalent 

Jeweler’s block 

We provide jeweler’s block coverage for: 

  • Retail/wholesale jewelers 
  • Exhibitions and fairs 

Line size: $30 million or equivalent 

Cash in transit 

We protect cash in transit, including:

  • Premises 
  • Armored car transit 

Line size: $30 million or equivalent 


Get in touch

Photo of Christina Gerber

Christina Gerber

Head of Fine Arts & Specie US

New York

Photo of Mary Henschke-Berrios

Mary Henschke-Berrios

Senior Business Analyst, Claims

New York

Photo of Robert Pittinger

Robert Pittinger

Executive Advisor, Fine Art & Specie

New York

Landon Hopkins

Senior Underwriter

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.