Antiques and Fine Art Insurance

For all its worth, your collection or stock of fine art and antiques deserves a second look at its protection, especially if it comes from experts in insurance.

Protect Your Investment With The Right Policy

One small antique item or piece of fine art can add up to a vast amount of money in its own right. As an individual collector, dealer, exhibitor, or gallery owner, you may have a fair idea of just how much an entire collection of antiques and fine art may amount to.

Your stock represents items to be both enjoyed for what they are and appreciated as a valuable asset. Beautiful articles can and probably already have lasted for many years, hold their worth and even increase in value. Protecting them with antiques and fine art insurance cover should be top of your agenda, second only to making sure they are well secured and preserved.

  • Public & product liability
  • Exhibitions and fairs cover
  • Employers’ liability
  • Goods in transit and sendings with UK, EU and rest of the world
  • Defective Title
  • Buildings cover including shop frontage, glass & signage
  • Legal expenses
  • Business interruption/Loss of income
  • Restoration and repairs
  • Petty pilfering



Art In Motion

Even artefacts that have more stable locations in galleries and museums are occasionally moved to a different institution from time to time. Dealers, valuers and auctioneers will see many pieces pass through their hands on a much more regular basis. While an antiques and fine art insurance policy can protect your stock while in situ at the time of arrangement, it can also cover whilst being transported with goods in transit cover.


Theft Or Damage

Smaller items including gold, silver and jewellery are an obvious target for thieves. At Shearwater we can help protect your business against theft from antiques fairs/exhibitions, antique centres and of course from your shop premises.

An accidental scratch or tear on a unique and very old piece of furniture, for example, can also be sympathetically restored by accredited experts to help bring the article back to its original worth.



As a dealer or auctioneer you will have plenty of opportunity to mix with the general public and suppliers at antique fairs and art exhibitions.  So it is important to protect yourself in case of third party damage or injury with public liability insurance.

If you have staff working for you, such as if you run a gallery or antique centre, employers’ liability insurance is also essential and like public liability can easily feature on your antiques and fine art insurance policy.

All you need do is talk to the experts at Shearwater and we’ll help to arrange this for you.

  • When the wheels fell off my lorry the Shearwater team were incredible. They called to check up on me, they arranged recovery and when the lorry was deemed a write off I was even given the option of keeping the scrap or not.
    Sarah Skillin, British Dressage Member
  • Shearwater not only provided a much more comprehensive policy but at an incredibly competitive price. Everything was very simple.
    Imogen Murray, International Event Rider (5* & Team GBR Nations Cup)
  • We've insured with Shearwater for a number of years and have always been very impressed with the customer service, claims handling, and competitive pricing. I've now moved all of our business and personal polices to Shearwater
    Simon Bates, Owner & Event Director of The College Equestrian, Keysoe
  • I have found Shearwater to be responsive and flexible in providing me and my company with individually tailored insurance packages to cover exactly what I need, at very competitive prices.
    Simon Hall, Managing Director of Soteria Ltd
  • We have worked with shearwater for many many years now! We use them for everything from our horses to our cars, our yard liability to the home insurance... They are a great company to deal with, both in terms of competitive rates and their customer services. I would highly recommend anyone looking at insurance to get in touch with them
    Becky Moody, Grand Prix Dressage Rider, Team GBR Podium Pathway Member
  • I have insured a few horses with shearwater over the years and have always been very impressed. The team on the phones are super helpful and they have always been great at paying out any claims. I wouldn’t hesitate to recommend their service to any of our Members
    Catherine Mills, Head of Global Retention & Equestrian at Quintessentially
  • What can we say about Shearwater? As an insurer if you want the best cover then you need to be with Shearwater. Their service is second to none and their staff are always friendly, knowledgeable and there to help you, nothing is too much trouble.
    Leanne Hart & Daniel Bates, Para Dressage Rider
  • It is a comfort to know that the horses are Insured with Shearwater. They are a professional but friendly company, competitive and knowledgeable. On the claim we had they were fast and efficient and nothing was too much trouble. Would happily recommend Shearwater Insurance, especially as they have such a vast range of options from everything equine to travel and household.
    Michael Murphy - Irish International Para Dressage Rider
  • Shearwater is our absolute go-to for all of our insurance needs from house, yard and horse, to cars and liabilities. The team in the office are easy to talk to and they actually take the time to get to know you as a client. Most importantly, when you need to claim for something, they are quick and listen to your needs, making the whole process much less stressful in your hour of need. We wouldn't use anyone else!
    Chantal Siddle

Get In Touch Today

For professional insurance that means business.  Phone us today on 01992 718666 or request a quote online.