Branda Corretora

Fine Art Insurance

Fine Art Insurance: protection for collections and estates

Fine art insurance protects gallery, museum, and private collections against damage, theft, and loss, whether on-site, in transit, or on exhibition. Branda works with an individual appraisal of each piece, because an art collection can’t be protected with a standard policy.

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How it works

  1. 1

    You send us the collection inventory, with an appraisal report for each piece when one exists (or we recommend an appraiser if you don’t have one).

  2. 2

    We define together what needs coverage: only on-site, or also in transit and on exhibition.

  3. 3

    We compare insurers specialized in fine art, which require specific storage and transport conditions.

  4. 4

    We review the policy whenever the collection changes, a new piece comes in or out, or the market value changes.

Who it’s for

  • Galleries and museums, which need coverage for their own collection and for third-party pieces on temporary exhibition.
  • Private collectors with a meaningful collection at home.
  • Families with inherited pieces that have never been formally appraised or insured.

What affects the price

  • Appraised value of each piece: more valuable works cost more to insure.
  • Where the collection is kept: a home with a security system and climate control lowers the assessed risk.
  • In-transit coverage: pieces that travel to exhibitions cost more to insure than pieces that stay put.
  • Material type: some techniques and materials are more damage-prone and cost more to insure.

Frequently asked questions

Do I need an appraisal to insure a piece?

Yes, in most cases. The appraisal sets the insured value of the piece. If you don’t have one, we recommend trusted appraisers before getting a quote.

Does the policy cover a piece while it’s being transported to an exhibition?

It can, but it needs to be specifically contracted for, usually as additional coverage or its own in-transit policy. We confirm this before the piece leaves your home.

What happens if the piece’s market value goes up after it’s insured?

It’s worth updating the insured value, otherwise you’re underinsured, meaning you receive less than the piece is worth today if something happens. We recommend periodically reviewing the collection.

Is damage from poor conservation covered?

Generally not, insurance covers events like fire, theft, falls, or damage in transit, not natural wear or inadequate conservation. We guide you on the storage conditions the insurer requires.

Can I insure just part of the collection?

Yes, you choose which pieces go into the policy, it doesn’t have to be the whole collection. Many people start with the highest-value pieces and add the rest later.

Want to compare fine art insurance prices?

Talk to us on WhatsApp and send your details. We compare insurers and reply the same day.

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