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For individual artists, works in progress, and completed works can be protected.  Genres include drawing, painting, sculpture, architecture, printmaking, digital graphics, ceramics, collage, and photography.
Markel covers:

  • Specific works or an entire collection
  • Completed works and works in progress
  • Equipment, including paints, brushes, and materials
  • At the studio, at home, on loan, and at the framers

Coverage Highlights

Insuring an art practice is more than just protecting premises and stock against damage or theft. Markel provides seamless and flexible coverage for business exposures, as well.

Property Coverages

  • Commercial property
  • Business interruption
  • Property floaters
  • Property of a fine art nature, including paintings, pictures, etchings, tapestries, rugs, art glass windows, antique furniture, books, memorabilia, and coin and stamp collections
  • Other bona fide works of rarity, historical value or artistic merit, including jewelry, wine, and musical instruments

Basic Fine Arts Coverage

Even our most basic coverage provides solid protection. It features:

  • Broad, all-risks coverage from the time artwork is taken by your client from the owner to the time it is returned, on a worldwide basis
  • Blanket limits on property in your care, custody, and control at scheduled locations and any other unnamed location
  • Domestic and international transits
  • No coinsurance clause 
  • Valuation clauses designed for the art industry
  • Coverage for jointly-owned works of art
  • Special clauses for "loss buy back" or "pairs and sets" 
  • Relaxed appraisal requirements

Enhanced Fine Arts Coverage

Your client may need extra or specific protection. Our policy can be enhanced in many ways to include: 

  • Fine art reference libraries
  • Furniture or fixtures of a fine arts nature
  • Waivers of subrogation
  • Earthquakes, floods, and windstorms
  • Fine arts legal liability
  • Blanket or schedule option


You must be an appointed agent with Markel to submit an application.
For more information about appointments, click here.

Artist Insurance Application

Please return applications to: