Art Insurance
We understand that your art is more than just an object. It is part of your identity, a legacy for future generations. Whether you own paintings, sculptures, antiques or contemporary art, our art insurance is tailored to your individual needs.
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Our insurance not only offers financial protection, but also the certainty that your private art collection is in the best hands - because nothing distinguishes a broker more than comprehensive and efficient claims processing.
1
All-Risk Insurance
All-risks insurance for artwork covers all risks that artwork may be exposed to, including theft, fire, water and storm damage. It offers comprehensive protection for artwork, regardless of the cause of the damage.
2
In Case of Claim
Claims processing in art insurance often requires specialized expertise. Experts assess the damage to determine an appropriate course of action. Reimbursement is made after careful examination and may include replacement value, restoration costs and depreciation or the specified insured value.
3
Agreed Values vs. Declared Values
The agreed value in art insurance refers to a predetermined amount that the policyholder and insurer agree on to insure the work of art. This value is based on an assessment at the time the contract is concluded and remains constant until the value is adjusted.
In contrast, the declared value refers to the current market value of the artwork, which the policyholder communicates to the insurer and which is used to calculate the insurance premium and reimbursement.
We would be happy to advise you on the best valuation for your personal case.
4
Inheritance Tax
We are often asked whether insuring the artworks for the full amount in the event of death has a negative impact on the assessment of inheritance tax. We would be happy to discuss the various solutions with you.
