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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 www.alignedinsurance.com 

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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