Indemnity
Fine Art & Collectibles Insurance
INDEMNITYCollection Assessment
Your collection is unique. Your policy should be too.
Step 1 of 5 — Collection Type
What do you collect?
Select the primary category of your collection. If you hold multiple asset classes, choose Mixed Collection.
Our Guarantees
Promises written into every policy. Not the small print.
Every claim settled within 21 days — or your premium is returned.
Our in-house claims team operates on a named-handler model. You speak to one person from first notification to final settlement. No call centres, no automated triage. We have never missed this commitment in fourteen years.
Agreed value. No depreciation clauses. Ever.
A Basquiat insured for $4.2M is settled at $4.2M — not the auction estimate from three years prior, not the insurance company's independent valuation. The figure we agree at policy inception is the figure we pay. Our appraisers are AAA-certified and reviewed annually.
Your underwriter has stood in the same galleries you have.
Every policy is reviewed by a named underwriter with specialist art market credentials. Our team includes former Sotheby's specialists, a Louvre-certified conservator, and a former Christie's head of private sales. They can tell a giclée from a genuine.
Our Underwriters
The specialists who read the condition reports. Before they write the policy.
Margaret Ashworth
Head of Fine Art Underwriting
Former Sotheby's Specialist, 19 years
Post-war and contemporary painting
Dr. Olivier Renard
Senior Underwriter — Antiquities
PhD Conservation Science, Louvre-certified
Pre-Columbian, Asian ceramics, manuscripts
Priya Krishnamurthy
Underwriter — Jewellery & Watches
GIA Graduate Gemologist, Christie's alumni
Signed pieces, coloured stones, horology
Syndicate Partners
Every policy placed at Lloyd's of London or with an A-rated carrier.
Our syndicate relationships give your collection access to capacity unavailable through standard brokers.
Client Experience
The morning after the flood, I found three inches of water in the basement where I store secondary works. I called Indemnity at seven in the morning. Margaret answered personally. By noon, a conservator was on site. The Audubon folio — first edition, 1827 — was assessed and a settlement agreed within eight days. Not a single depreciation clause was invoked.
Charles Whitmore III
Private Collector — Natural History, Boston
8
Days to settlement
$0
Depreciation applied
1827
Audubon folio preserved
Claim #IND-2024-0041
John James Audubon, Birds of America, 1827 — First Edition Folio
“We ship consignment works to five countries annually. Indemnity's transit coverage has followed every crate without a gap. One claim in four years — resolved in twelve days.”
Elena Vasquez
Gallery Director, Miami & London
“Liquidating a six-figure estate without proper insurance documentation is a liability. Indemnity's appraisal coordination saved us six months of probate delay.”
Robert Callahan
Estate Attorney, Sullivan & Callahan LLP
Begin Your Assessment
The most important object in the room is the one that cannot be replaced.
Five questions. An instant recommendation. A specialist call that opens with a proposal, not a discovery session.