DUAL Group
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Comprehensive solutions for fine art and collectibles anywhere
Paintings in the lobby of a law office, trophies and memorabilia at a local golf club, rare book collections at a school or college, a galleries stock in trade and collections at a local, state or national museum, DUAL's ability to uniquely craft coverage to fit the singular needs of each collection or inventory held for sale is what sets us apart and why clients and brokers alike trust DUAL to cover their livelihood and what they hold most dear.
DUAL Fine Art & Collectibles provides insurance products for a variety of art collections including but not limited to paintings, sculptures, ephemera, jewelry, couture, rare books and manuscripts, antiques, and other objects of artistic or historic merit. Fine Art dealers stock in trade, museums collections and traveling exhibitions coverages also available.
Key features
- Domestic and international transit coverage
- Flexible deductible options
- Minimum premium: $2,500
- Primary excess or quota share cover available
- Non-admitted DUAL proprietary policy forms
Maximum limit of $100m
for primary placements
Maximum limit of $100m
for excess placements
Coverages available
Coverages include:
- Worldwide wall-to-wall coverage
- Coverage available for domestic and international fairs and exhibitions
- Comprehensive worldwide transit coverage
- Primary, excess or quota share cover available
- Flood, earthquake, windstorm and wildfire coverage for critical and non-critical CAT exposures
Additional coverages
- Defense costs for defective title
- Damage while at any repairer
- Restoring and retouching service
- Automatic acquisitions provision
- Confiscation coverage
- Event cancellation and more
Collections coverage
During a time when insurance carriers are pulling out of exposed regions leaving the valuable collections without coverage, DUAL is here to provide specialty fine art specific coverage coupled with exemplary service, allowing for an effortless transition for those collections. DUAL Fine Art & Collectibles offers coverage as unique, dynamic, and personal as the collections and collectors themselves.
Key features
- $100M limit per risk coverage
- Flexible appraisal requirements
- Claims handled by fine art industry experts
- Mysterious disappearance coverage available
- Blanket and or scheduled coverage offered
- Scheduled, agreed and or current market valuation
- Worldwide wall-to-wall coverage (while in transit and temporarily located)
- Flood, earthquake, windstorm and wildfire coverage for critical and non-critical CAT exposures
Policy form flexibility
- Non-admitted DUAL proprietary policy forms
- Open peril specialty coverage wording specifically catered to each account
Target classes
Personally owned collections (scheduled/blanket)
Corporately owned collections
Trust, estates, LLCs
Fine art/sculptures, jewelry (in vault, home safe and wearing, couture (includes wearing), collectible cars (non-driven), coins, stamps, bullion and much more
Dealer coverage
Unique and bespoke coverage solutions for storefront galleries and private dealers working out of an apartment or other non-commercial space. The business of buying and selling artwork is a complex business with a lot of moving parts, and DUAL has the resources to cater our coverage to meet those unique needs.
Key features
- Worldwide coverage territory with ability to provide solutions for international locations, including terrorism coverage
- Open peril fine art specific coverage wording
- Appetite for high wildfire and hurricane exposed risks
- Up to $100MM per risk capacity
- Claims handled by fine art industry experts
- Worldwide wall-to-wall coverage for domestic and international fairs and exhibitions
- Comprehensive worldwide transit coverage
- Flood, earthquake, windstorm and wildfire coverage for critical and non-critical CAT exposures
- Efficient platform: low touch for low threshold accounts
Target classes
Fine art galleries
Private art dealers
Antique/antiquities dealers
Dealers of ephemera
Museum coverage
Unique and bespoke coverage solutions for commercial museums and collections, private entities, religious institutions, historical societies and schools. Wherever collections are owned or displayed, DUAL Fine Art & Collectibles has the expertise, skill and ability to cater a product to specifically address each client’s needs.
Key features
- Coverage designed for commercial and private museums, historical societies, schools and universities
- Claims handled by fine art industry experts
- Open peril fine art specific coverage wording
- Worldwide wall-to-wall coverage territory with ability to provide solutions for international locations, including terrorism coverage
- Flood, earthquake, wildfire and hurricane coverage included for critical and non- critical CAT exposures
- Efficient platform: low touch for low threshold accounts
Target classes
Museums
Universities & educational facilities
Religious institutions
Municipalities
Excluded classes
- Jeweler's block
- Fine art packers & shippers
- Rug dealers
- Cash in transit
Document downloads
Claims information
Contact the expert
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