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Art Insurance in Canada

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Art Insurance Overview

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Fine arts def: a visual art considered to have been created primarily for aesthetic and intellectual purposes and judged for its beauty and meaningfulness, specifically, painting, sculpture, drawing, watercolour, graphics, and architecture. Source: Wikipedia

Who Needs Art Insurance?

It is very common for businesses to have expensive pieces of art that are owned, rented or leased throughout offices, common areas and/or reception areas. As such it may not be uncommon to find the following on premises;

  • Paintings
  • Pictures
  • Valuable rugs
  • Marbles and bronzes
  • Rare books
  • Manuscripts
  • Rare glass

What Does It Cover and How Do I know I have The Right Coverage?

Art insurance coverage is typically added as an extension to an existing property or commercial package insurance policy. Many properties and/or commercial package policies will have minimal art insurance coverage included (e.g. $25,000), therefore potentially leaving you under insured. At the time of a loss repair or replacement to original works of art may be near impossible. Because of this it may be recommended that high valued and/or difficult to replace works of art be insured on a valued basis. What this means is that both the insured and the insurer agree on the value of the property at the time that the policy is issued. Should a loss occur, art pieces insured on a valued basis will have the agreed value paid.

To Learn More About Art Insurance Speak To An ALIGNED Insurance Advocate Or Connect With Us Today At 

ALIGNED Across Canada   100% Canadian owned, ALIGNED is a premiere insurance brokerage that serves more than 1,400 clients across the country. ALIGNED’s offices in Toronto, Calgary and Vancouver are supported by a national operations centre in Cambridge, Ontario. Uniquely within the industry, ALIGNED creates, negotiates and delivers the best business insurance and risk management strategies/solutions to organizations like yours.

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