Coverage
Three policy tiers, each built around the specific risk profile of your collection — not a generic fine art rider appended to a homeowner's policy.
| Coverage Feature | IND-F Foundation From $500K | IND-P Provenance From $2M Most Selected | IND-V Vault From $10M |
|---|---|---|---|
| Agreed Value Settlement | ✓ | ✓ | ✓ |
| Worldwide Coverage | ✓ | ✓ | ✓ |
| Transit (Domestic) | ✓ | ✓ | ✓ |
| Transit (International) | — | ✓ | ✓ |
| Climate Failure | ✓ | ✓ | ✓ |
| Title Dispute | — | ✓ | ✓ |
| Restoration Liability | — | ✓ | ✓ |
| Mysterious Disappearance | ✓ | ✓ | ✓ |
| Pair & Set Clause | — | ✓ | ✓ |
| Emergency Response 24/7 | ✓ | ✓ | ✓ |
| Dedicated Risk Advisor | — | ✓ | ✓ |
| Annual Valuation Review | — | — | ✓ |
Risk Audit
A six-point environmental assessment protocol — the same checklist our underwriters run before binding any policy above $500K.
Illuminance Assessment
Light exposure is the primary cause of irreversible pigment degradation in works on paper and textiles.
UV filtration, fiber-optic lighting, timed lighting controls — each measured and documented.
Relative Humidity
Fluctuating humidity causes panel paintings to crack, bronze to develop active corrosion, and textiles to become brittle.
±5% daily variance threshold triggers automatic alert to your risk advisor.
Temperature Stability
Thermal cycling stresses adhesives, varnish layers, and canvas stretcher bars — particularly in works that have been previously restored.
Climate failure coverage activates within 2 hours of documented exceedance.
Seismic Risk Rating
Peak ground acceleration determines mounting, display case, and shelf restraint requirements for your storage geography.
Seismic vulnerability assessments included in Provenance and Vault tier policies.
Fire Suppression Class
Water suppression systems are incompatible with art storage. Inert gas or clean agent systems are the minimum standard for insured vaults.
Third-party suppression audit required at policy inception for holdings exceeding $5M.
Intrusion Detection
Monitored alarm systems with dual-path signaling and 24-hour response commitment required above $1M individual item value.
Annual security review included in all policy tiers.
Complimentary Risk Audit — All Provenance and Vault tier policyholders receive an annual on-site environmental assessment conducted by a certified conservator. Results are documented in your condition report archive.
Claims
From the moment you report a loss to the day settlement clears — every step documented, every decision traceable.
Incident Notification
Contact your dedicated claims line — 24 hours, 7 days. A senior claims adjuster is assigned within 30 minutes of your call.
Initial Assessment
Your adjuster reviews the policy, confirms coverage applicability, and dispatches a conservator or loss assessor if physical inspection is required.
Documentation & Valuation
Condition report cross-referenced against your current appraisal. For transit losses, crate logs, climate data, and customs records are obtained.
Recovery Coordination
Where theft is involved, we engage specialist art recovery networks including the Art Loss Register and international law enforcement liaisons.
Settlement
Payment issued to agreed value — no depreciation, no negotiation on quantum. Restoration costs paid directly to approved conservators.
Incident Notification
Contact your dedicated claims line — 24 hours, 7 days. A senior claims adjuster is assigned within 30 minutes of your call.
Phone, secure portal, or encrypted email. All channels monitored continuously.
Transit
A crate's journey from studio wall to museum installation — every handover point a covered node, every climate deviation a documented event.
In-Transit Climate
Real-time temperature and humidity data transmitted from logger. Deviations trigger immediate alert to your transit coordinator.
- ✓±2°C deviation alert
- ✓±5% RH deviation alert
- ✓GPS tracking active
- ✓4-hour check-in protocol
Valuation
Your policy value must track the market. A Rothko insured at 2019 prices in 2026 is not fully insured — it is a gap waiting to become a loss.
Baseline Appraisal
USPAP-compliant appraisal at policy inception. Accepted from our panel of 340 certified appraisers across 28 countries.
Market Index Sync
Policy values are reviewed against Artprice, Mei Moses, and auction house indices at each annual renewal.
Automatic Escalation
Vault tier policies include automatic 5% annual value escalation between formal appraisals — no coverage gap during rising markets.
Trigger Review
Any work sold at auction above insured value triggers an automatic portfolio-wide review within 30 days.
Vault tier policyholders receive quarterly valuation alerts when market movement exceeds ±8% on any tracked category within their collection.
Not ready to disclose collection value?
Start with the checklist. It walks through the same 28-point protocol our underwriters use before binding any policy — without requiring you to share a single figure.