Art and collectibles
Masterful protection for your precious assets
As the art world embraces AI and data analytics, digital art and NFTs are redefining asset categories. We understand that navigating these emerging spaces requires an insurance partner who moves as fast as the technology. At WBN, we deliver protection for both traditional and digital collections, while addressing the distinct risks of blockchain ownership and cyber exposure.
As global UHNWI populations grow, art is increasingly seen as a liquid, long-term investment — often outperforming traditional benchmarks. For collectors and family offices, this demands insurance that reflects market value, offers flexible limits, and adjusts with changing valuations.
Museums, galleries, and collectors are increasingly factoring ESG into acquisitions, exhibitions, and asset protection. We support this with insurance strategies aligned to your sustainability goals. WBN delivers comprehensive coverage that considers climate risks, sustainable restoration, and more.
Anti-money laundering rules are tightening globally. UK art dealers handling €10,000+ are under HMRC oversight, and by mid-2025, EU platforms must register with national FIUs and conduct enhanced due diligence. You need an insurance partner who can navigate cross-border compliance and the risks tied to provenance, reporting, and regulation.
Every time art moves — whether to a gallery, exhibition, or private home — there’s risk. From transit damage to theft, humidity, light exposure, or conservation errors, each piece faces unique vulnerabilities. We understand these works are irreplaceable, and standard risk management often falls short of protecting their true value.
In the art market, a single authentication dispute can wipe out millions. Challenges like volatility, illiquidity, subjective pricing, hidden provenance issues, and high transaction costs make coverage hard to secure. Our art and collectibles experts understand the market’s nuances, working with you to find tailored solutions.
Ongoing opacity in pricing and provenance, shifting regulations, and market cycles create compliance and reputational risks. Dealers and galleries need insurance partners who understand these pressures and can support due diligence, documentation, and reporting.
Standard property insurance often caps art coverage at 10% — far too low for serious collectors. You’re left with coverage that doesn’t protect global transit, imposes high deductibles, and lacks flexibility for sets or new acquisitions. Fine art needs specialized policies with worldwide protection and minimal admin — our expert brokers can help at home and around the world.
Our global network provides local insights on evolving risks, regulatory requirements, and market-specific challenges across every major art market. We don't just place policies — we become your strategic partner in protecting assets that can never truly be replaced. Whether you're a private collector, a museum or an art logistics company, WBN members deliver solutions tailored to your specific needs.