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Home > Fine Art Insurance in Metairie, LA

Fine Art Insurance in Metairie, LA

Fine art is treasured by those who collect it. Often, the artwork is unique, irreplaceable and worth a lot of money. Any damage to—or the total loss of—a piece of valuable art can be a devastating financial loss for the collector. 

Many art owners trust their homeowners insurance policies to provide the funds necessary to replace their art. Unfortunately, many insurers face too costly of a risk insuring fine art and, as a result, offer only limited coverage. Fortunately for art collectors who need insurance for their artwork, there is fine art insurance.  

What Is Fine Art Insurance? 

Fine art insurance provides critical financial protection for art that is lost, stolen or damaged. A specialized art policy goes beyond a typical homeowners policy, giving art owners the assurance they need to preserve their art for future generations. 

What Qualifies for Fine Art Insurance? 

The marketplace for art today is ever-changing. Some art enthusiasts seek enormous canvases and giant sculptures. Others are venturing into new media, such as artificial-intelligence-generated art. These all are considered unique items that would be difficult or impossible to replace. Insurers, such as Clockwork Insurance Services, Inc., typically consider these high-value items insurable under a fine art insurance policy: 

  • A collection of objects whose value would decrease if a single itemwas damaged or lost

  • Artwork that is on loan to museums or exhibitions

  • Valuable items that arekept in storage

  • Fragile, very old, original items


Please note that all policies vary—be sure to reach out to one of our agents today to find out whether your fine art can be covered under one of our policies.  

What Does Fine Art Insurance Cover? 

Most fine art policies cover perils such as fire and theft, and they will also compensate for the loss of value and accidental damages. Typical art policy exclusions include war, nuclear, moths and vermin, and inherent vice, which eliminates coverage because a quality in the art object caused the damage or destruction. Clockwork Insurance Services, Inc. can help you determine if your art qualifies for insurance coverage. 

What Does Fine Art Insurance Cost? 

Fine art insurance is relatively affordable. However, the cost is dependent on the specific piece or collection being insured. For a more precise estimate, contact us for more information. 

How We Can Help 

Clockwork Insurance Services, Inc. has over three generations and 80 years of experience helping people insure their valuables. To get your policy started, call us today at 844-288-3122.  
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Location
2329 Severn Ave.
Suite 200
Metairie, LA 70001

Phone: 844-288-3122
Fax: 504-262-8249
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