Comprehensively protect valuable art
Discover the bespoke art insurance from nextsure: Digital protection for your artworks, collections, and valuable exhibits against all relevant risks.
All-risk coverage for art
Individual Value Adjustment
Digital Contract Conclusion
What is art insurance and why is it indispensable?
Comprehensive Special Protection
Preservation of Your Art
Individual Policies
Digital Claim Reporting
The scope of your art insurance: What is covered?
An art insurance policy offers extensive protection that goes beyond the traditional household insurance. At nextsure, we understand the emotional and material value of your art. Our art insurance typically covers damages caused by theft, burglary, vandalism, fire, water damage, storms, and hail. In addition, transport damages, damages during exhibitions or restorations, as well as simple theft and loss are often insured – this is known as all-risk coverage. It's important to know the exact scope and any exclusions of your policy. We provide you with transparent advice on which risks are relevant for your specific artworks and how you can optimally secure them, be it for paintings, sculptures, antiques, or entire collections. The digital platform from nextsure allows you to view and adjust your coverage details at any time.
Tailored Protection
Our Services for Your Art
Comprehensive insurance
Comprehensive protection against almost all conceivable risks.
Value adjustment
Consideration of value appreciation of your art objects.
Transport
Worldwide protection, even during transport and loans.
New value
Refund at the new or replacement value.
Collections
Special policies for extensive art collections.
Expertise
Expert consultation and support by professionals.
Theft
Protection against theft and burglary.
Damage
Coverage for damage caused by fire, water, etc.
DigitalPlus
Easy online management of your art insurance policy.
Comprehensive, personalized, and digital – your art protection with nextsure.
Optimally insure art?
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Art Valuation: Foundation for Your Insurance Policy
The correct valuation of your artworks is the foundation of adequate art insurance. Typically, the insurance value is based on the current market value or replacement value of the art object. Various bases can be used to determine this value: purchase invoices, appraisals by recognised experts, auction results for comparable works, or a professional estimate. nextsure recommends having revaluations conducted regularly, especially for high-value pieces, as the value of art can change significantly over time. A thorough documentation – including photos, provenance evidence and appraisals – is essential and facilitates the process in the event of a claim. Our experts support you in determining the appropriate insurance value for your art and adjusting your policy accordingly to avoid underinsurance.
Art Transport and Exhibitions: Is Special Protection Required?
Artworks are often not only stationary on your premises but also exposed to increased risks when on the move or at exhibitions. A specialised art insurance like the one from nextsure takes these special circumstances into account. The so-called "Nail to Nail" insurance provides comprehensive protection from the moment an artwork is removed from its place, throughout the transport, during the exhibition or loan, until it is safely hung back in its usual place. This includes risks such as damage during packing, loading, transportation via various modes, and at the exhibition venue itself. Ensure your policy includes these extended coverages, especially if you lend or transport your art. nextsure offers flexible solutions that adapt to your individual needs to protect your valuable pieces worldwide.
Prevention and Security: How to Optimally Protect Your Artworks
In addition to robust art insurance, the prevention of damage and theft is a crucial factor in protecting your art collection. Nextsure advises proactive measures: install adequate security systems such as alarms, video surveillance, and shatterproof glazing, especially for valuable individual pieces or collections. Pay attention to optimal climatic conditions – a constant temperature and humidity are essential to prevent material damage. Avoid direct sunlight on paintings and prints. Ensure proper hanging or placement and store unexhibited works safely and under appropriate conditions. Regular inspections of your artworks for potential damage or changes are also recommended. These preventive measures can not only prevent damage but also have a positive impact on your insurance premium.
Claim in art insurance: What should be done?
If, despite all precautions, damage occurs to your artwork, quick and correct action is crucial for smooth processing by your art insurance. Report the damage to your insurance immediately – with nextsure, you can do this conveniently online. Document the damage as thoroughly as possible: Take photos or videos of the damage and the location of the damage. Take immediate measures to mitigate the damage, if possible without endangering yourself and without increasing the damage (e.g. in the case of water damage, move the artwork to safety). Keep damaged parts until the insurance company has inspected them. In case of theft or vandalism, immediately report it to the police and forward the case number to your insurance. Providing complete and timely information facilitates the quick processing of your claim.
Tailored
Individual policies
Digital
Simple Management
Competent
Expert Consultation
All-risk coverage vs. Specific Risks: Which Policy Fits?
When choosing an art insurance policy, you are often faced with the choice between coverage for specifically named perils and an all-risk coverage. The all-risk coverage, which nextsure prefers for art insurance policies, offers the most comprehensive protection. It fundamentally covers all risks that your artworks might be exposed to, unless a risk is explicitly excluded in the insurance terms. This includes typical risks such as fire, theft, water damage, but also rarer occurrences like simple loss, careless handling, or transport damage. In contrast, a policy with specific risk coverage lists only the insured perils; everything else is not covered. For valuable and unique art pieces, all-risk coverage is usually the better choice, as it leaves less room for interpretation and casts a wider safety net. We are happy to advise you to find the optimal coverage form for your collection.
Art as an Investment: Insurance Protection for Your Asset
Art is increasingly being collected not just out of passion but also as a strategic investment. As with any asset, protecting this capital is of critical importance. A specialised art insurance is thus an integral part of asset protection for art investors. It not only safeguards against financial loss in the event of damage or theft but also contributes to value preservation by covering costs for necessary restorations, for example. Nextsure understands the financial aspects of art collection and offers policies that adequately reflect and secure the market value of your investments. Regular reviews and adjustments of the insurance sum to match the value development of your art pieces are essential to ensure optimal coverage in case of emergencies and to protect your invested capital.
Digital Art Insurance with nextsure: Benefits and Process
nextsure revolutionises the field of art insurance as a digital insurance portal. We offer you a fully digitalised process – from inquiry through to conclusion and management of your policy, including claims reporting. This digital approach provides you with maximum transparency, fast response times, and the highest level of comfort. You can view your insurance details online at any time, upload documents, and request changes with ease. Our platform is designed to give you the best possible overview and control over your art insurance coverage. Professional advice is, of course, also available digitally or by phone to ensure that your individual needs are optimally covered. Discover how simple and efficient securing your valuable artworks can be with nextsure.
What distinguishes art insurance from home contents insurance?
Art collectors face unique challenges when insuring their treasures. A collection is often more than the sum of its parts and requires insurance coverage that considers its dynamics. nextsure offers specialised solutions for collectors, covering the entire collection and allowing for flexible adjustments. This is important as collections often grow, change, and the value of individual pieces or the entire collection can fluctuate. Our policies can be designed to automatically insure new acquisitions up to a certain amount or to account for value increases. Additionally, we advise you on how to optimally document your collection, which is essential in the event of a claim. We understand the passion and dedication that goes into an art collection and offer tailored protection that meets these needs.
