DUAL Group
Austria
Finland
France
Germany
Ireland
Italy
Netherlands
Spain
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United Kingdom
Europe
Australia
Hong Kong
New Zealand
Singapore
USA
Coverage designed specifically for private collections
All collections are unique and one of a kind, and the insurance that protects them needs to cater to the singular needs of each collection. The DUAL Fine Art & Collectibles Program provides bespoke insurance products for private collections of all types including but not limited to paintings, sculptures, couture, jewelry, collectible spirits, stamps, coins, manuscripts, antiques, and sports memorabilia…. just to name a few. The ability and knowledge to craft unique policies is why clients and brokers alike trust DUAL to provide coverage for what they hold most dear.
Key features
- Domestic and international transit coverage
- Flexible deductible options
- Minimum premium: $2500
- Primary and excess limits 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
- Jewelry coverage for personal collections on a standalone basis or as part of a larger collection
- 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
- Non fungible token artwork (NFTs)
- Conservators
- Numismatic dealers
Document downloads
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