Fine Art Insurance

No. Rivr doesn’t provide risk management directly, but our cover complements the work of professional art specialists. We protect against accidental damage, transit loss, and defective title for eligible items. Together, these protections support both the physical and legal aspects of your collection.

‍

You’ll be guided by a dedicated advisor experienced in handling fine art claims. They help coordinate valuations, guide you through settlement, and ensure your experience is managed with discretion. Your fine art insurance cover includes all-risk protection, including loss or damage in transit.

‍

Our policies are built for private collectors, families and individuals who own fine art as part of their household contents. Cover is suitable for those managing either a few works or a broad range of assets.

‍

While not designed for galleries, optional specialist extensions may apply depending on your collection’s value, format and risk profile.

For pieces with a professional valuation, rivr offers agreed value protection. If a claim is made, you receive the full insured amount.

‍

The policy also includes protection for up to 150 percent of the insured amount to reflect rising market value, helping ensure each piece remains fully covered even as it appreciates.

Yes. Rivr is digital-first, so you can upload valuations, view your documents and request updates securely online. Our team can also support you with art-specific risk considerations such as storage or transport.

Many insurers require a separate policy or item-by-item listing for art. Rivr includes fine art within your contents cover, with worldwide all-risks protection and no need to list each piece under £25,000. It’s a simpler, more flexible way to insure growing collections.

It depends on your own needs and the items in question. Fine art needs should be insured for its current market value. Rivr’s policy covers loss, accidental damage and worldwide transit, including market-appreciation protection of up to 150% for specified works.

Professional artists often need specialist commercial insurance for their studio, work in progress, and public liability. Rivr’s cover is designed for private collectors rather than professional use.

Specialist art insurance policies cover theft, accidental loss and partial damage in a range of settings, including display, transit and storage. For many private individuals, fine art is protected as part of a broader home insurance policy that includes contents cover.

‍

This is often the most efficient route for protecting an art collection under a single premium. Always check the policy wording to confirm what's included, particularly for high-value or newly acquired pieces.

The cost of art insurance varies depending on the size of your art collection, the individual value of each item, and where it’s stored or exhibited. High-value collections often require a bespoke insurance policy, but many owners are eligible for cover as part of a wider home insurance policy.

‍

Fine art under £25,000 per item is typically covered without needing individual schedules.