High-Capacity Limits Address Collections of Museums, Corporate Clients, and High-Net-Worth Individuals

The scale and value of museum collections, corporate collections, and holdings of high-net-worth individuals demand insurance solutions capable of meeting high-value requirements. Distinguished’s national Fine Art & Collectibles insurance program’s recent expansion to $125 million in capacity per risk establishes it as a leader in this specialized market.

Protecting Valuables Against Direct Physical Damage

We can provide coverage for common collectibles, including but not limited to fine art, sports memorabilia, entertainment memorabilia, wine and spirits, antiques and antique furniture, stamps, comics, books and manuscripts, coins, glass, and pottery. The Fine Art & Collectibles program can cover items for a loss caused by a wide range of events and perils, such as accidental breakage and damage, including during transit; water damage; theft, vandalism and malicious mischief; fire and smoke; and natural disasters.

Addressing the Needs of Museums

Museums, often housing collections valued in the billions, require insurance partners with the capacity and expertise to address their unique needs. Distinguished is very excited about continuing to deploy our capacity and contributing to the coverage requirements of museums, whether on a layered basis or as a single option for those with smaller collections.

Our Fine Art & Collectibles program supports museums’ operational goals, such as restoration and display, while providing comprehensive coverage against various risks. We cover both owned and loaned exhibits, with adjustable policy terms to accommodate planned exhibitions.

Additionally, our reputation for understanding museum operations, from loss mitigation to item restoration, makes our program a preferred choice among institutions.

Corporate Clients Benefit from Our Program’s Capacity

Corporate collections, which range from decorative art in office spaces to high-value archives, also benefit from our program’s capacity. These collections require layered policies to address complex ownership structures and geographic distribution. Our ability to deploy $125 million in capacity as primary, as excess, or in layers ensures that corporate clients receive coverage tailored to their specific needs.

Ideal for Private Collectors

High-net-worth individuals, whose collections often span multiple properties and international locations, value the privacy and flexibility our Fine Art & Collectibles insurance program offers. Distinguished understands high-net-worth individuals’ need for security, which underscores our commitment to discretion. With blanket worldwide coverage and the ability to address both primary and secondary residences, Distinguished’s Fine Art & Collectibles program caters to the multifaceted requirements of private collectors.

Expanding our capacity to $125 million not only enhances Distinguished’s competitive position but also provides a critical solution for clients seeking reliable, high-limit coverage. Whether insuring a single iconic piece or a sprawling collection, our expertise and flexibility make our program a standout choice for large-scale collectibles insurance.

Get a Quote for Your Collector Clients

Registering your agency with us is the first step in getting a quote for your client. Once your registration is complete, you can fill out and submit applications for your clients through our online portal. The application will require details such as:

• Security information
• Property covered
• Loss history

We also accept ACORD applications accompanied by a Distinguished supplemental form. In some cases, we may request additional information to better understand your client’s needs, such as a copy of a dealer’s consignment agreement or a detailed description of the collection.

If you have any questions about our Fine Art and Collectibles Insurance Program or the application process, please don’t hesitate to reach out. You can contact us directly at fineartandcollectibles@distinguished.com or visit our Fine Art and Collectibles insurance product page for more information.

About Distinguished Programs

Distinguished Programs is a leading national insurance Program Manager providing specialized insurance programs to brokers and agents with specific expertise in Fine Art and Collectibles, Environmental and Construction Professional, Executive Lines, Inland Marine, Real Estate, Community Associations, Surety, Hotels, and Restaurants. Property and Liability products are distributed through a national network of agents and brokers. Serving the same core markets and partnering with the most stable and reputable carriers, Distinguished’s high-limit Umbrella programs remain the clear choice in its area of specialty for superior coverage, competitive pricing, and attentive service. Through thoughtful innovation, stemming back to 1995, Distinguished Programs fosters growth and opportunities for its brokers, carriers, and employees.

View a full list of our programs and submit business with Distinguished.

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