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Not all collectors take the same care in selecting the right insurance their carefully curated pieces of art. Many collectors of fine art insure their valuables under a basic, low-cost homeowner’s policy without realising that such policies rarely cover the full value of the artworks. If a loss occurs, they may find that they receive less for the damaged item than what it is really worth and that there is little scope for flexibility when dealing with a claim.

Chubb’s Masterpiece insurance policy has a Valuable Articles Coverage section designed to provide premium cover available for fine art. We also put specialists with the knowledge and expertise to respond to your needs, at your disposal. You can be assured that your fine art is with an insurer that can deliver on its promises.

Coverage Highlights


  • Itemised Coverage
    When you itemise each of your artwork, we will cover them for the agreed value from the start. In the event of a total covered damage or loss, you will receive 100% of the agreed value, with no excess or depreciation.
  • Cover for Market Appreciation
    At the time of a total covered loss, if the market value of your item increases and is higher than the agreed value, we will pay up to 125% of the agreed value (subject to maintenance of current valuations and subject to a maximum difference of $100,000 from the amount of the agreed value).
  • Cash Settlement Option
    Option to receive cash settlement in the event of irreparable damage or loss.
  • Newly Acquired Items
    Immediate cover for new acquisitions within 90 days notification, up to 25% of the total itemised coverage.
  • Choice of Restorer
    If you choose to have your damaged piece repaired, we allow you to choose your preferred restorer.
  • Pairs, Sets and Parts Coverage
    If one piece of a pair or set is lost or damaged beyond repair, you can simply choose to hand in the remaining piece(s) and we will pay the full replacement cost for the entire pair or set.
  • Loss of Market Value
    If an itemised piece is damaged, we will not only pay to repair it, but also compensate for any loss in market value as a result of the damage.
  • Expedited Claims Handling
    With every covered loss, it is our goal to pay the claim within 48 hours of agreeing the settlement.

Forms and Documents

Interested in this Chubb policy?

Have a question or need more information? Contact us to find out how we can help you get covered against potential risks