La Playa Fine Art: Insurance with Intelligence®

Worldwide Protection for Art Galleries & Collections

La Playa: Insurance with Intelligence®

Art Galleries & Dealers

Are you involved in curating art galleries, or are you an art dealer? If so, it’s important you stay up to speed on managing the risks around art and protect the works of art, your building and the business with specialist art gallery insurance.

Whether selling online or in a physical space, art galleries carry expensive and valuable pieces and equipment which are exposed to some very specific risks, including, but by no means limited to, theft. In fact, art theft is relatively rare.

Our gallery insurance clients typically wrestle with:

  • Unpredictable viewing opportunities and events with Covid-19
  • Keeping up with fast-moving tech
  • Cyber risk and related fraud, which has skyrocketed

A well-crafted art insurance policy will include not only theft insurance and general liability but also the right kind of cyber insurance - which can go a long way in protecting your art gallery from such risks.

At La Playa, we provide a wide range of specialist art gallery insurance policies, starting with the basics such as workers’ compensation and zooming in to focus on the particular risks your business faces so that you're protected in the event of lawsuits, damage, accidents or theft.

Why is insurance important for art galleries?

The business of buying and selling art can be fast-moving, with risks that can change from hour to hour as work is installed, de-installed, handled and shipped worldwide. Transit risks are a day-to-day concern as art is shown at events, loaned or on consignment.

Art galleries are special spaces, and the works within them require the greatest care and attention. Whatever care you take, things can still go wrong in an environment of constant flux, especially where guests are involved. An art piece could be stolen, a flood or power-out could mean you could lose access to your art gallery, forcing you to shut down for the day/night, a phishing attack could catch staff off guard and lead to fraud and financial loss.

If you're an art dealer, many of the same risks apply: handling and shipping art pieces locally and internationally poses significant challenges, including robbery and damage in transit, which could adversely affect both your business and your reputation.

Frequent movement, vulnerable and sensitive materials, uniqueness, prestige and passion all combine to create a cocktail of risk for art galleries and dealers, which could result in financial losses and frustrations. Meanwhile, online purchasing and electronic payments mean cyber crime is now a real threat to galleries and dealers alike.

With a comprehensive art gallery insurance policy and some sound advice on managing risk, you can protect both your art and your business.

Your art gallery insurance cover should be customized to your specific activities and requirements, giving you true peace of mind that your business will be resilient in the long run.

How we can help you

Finding the right insurance for your art gallery can be a complex and time-consuming task. The La Playa team will support you with expert guidance and advice throughout the process of placing your art gallery insurance, to ensure you pick the best-fit policy for your business.

As specialists in art gallery insurance, we can help with:

  • Property: Includes loaned items and objects on consignment and inventory
  • Art pieces in transit worldwide
  • Blanket cover for approved locations
  • General liabilities, including business property and building
  • Event coverage for concerts, receptions, private views, and readings
  • Enhancements, including art reference liability coverage, bailee legal liability coverage and art fair/trade show coverage

Simply get in touch with us to discuss your art gallery insurance needs, and our specialists will advise you accordingly.

What cover should you get?

The cover you will need varies depending on numerous factors, such as:

  • The value and nature of the art you're displaying
  • The type of business you run
  • Where and for how long you'll be showing your art

It's important that we take the time to assess your needs before choosing cover that meets them. However, the main types of art gallery insurance cover you might need include:

  • General liability
  • Theft insurance
  • Cargo/transit insurance
  • Business property & office or gallery equipment
  • Buildings cover
  • Directors' & officers' liability
  • Employment practices liability
  • Crime coverage
  • Business auto coverage
  • Business income & extra expense ("actual loss sustained" basis)
  • Umbrella and excess liability
  • Workers' compensation
  • Cyber insurance

Why choose La Playa?

As art gallery insurance experts, we understand the risks art galleries and dealers face. We offer expert advice alongside customized policy wordings to help minimize your vulnerability. We're easy to communicate with and respond swiftly and flexibly to ensure you're covered within no time.

✓ Comprehensive, specialist insurance
✓ Independent expert advice on valuation, security, documentation, maintenance and care
✓ Relationship-based service: “can do” culture; absolute discretion; a dedicated contact
✓ Intelligent approach for optimum pricing
✓ Your advocate when you make a claim

We can also take care of your clients’ art collections - read our blog 5 Reasons Art Collectors Need Specialist Insurance.

We're committed to helping you find the right insurance for your art gallery so you can focus on what matters – your art.

Get in touch with us today to discuss your art gallery insurance needs.

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Art & Antique Collectors Insurance
Art & Antique Collectors Insurance
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Art Fair Insurance
Business Property Insurance
Business Property Insurance
Cyber Risks Insurance
Cyber Risks Insurance
Directors & Officers Liability
Directors & Officers Liability
Errors & Omissions
Errors & Omissions
Excess Liability
Excess Liability
Gallery Insurance
Gallery Insurance
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Musical Instrument Insurance
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Stock Insurance
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Terrorism Insurance
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Travel and Personal Accident

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ur in-depth understanding of the unique risk exposures in the art world means we speak your language - and we can save you time and hassle in the event of a claim. Our expertise is backed up with efficient and highly personal service and our wealth of experience spans over 50 years.

Whatever your specialism, we’ll take a creative and innovative approach to structuring your Fine Arts insurance programme and select for you an insurer who demonstrates understanding and experience of your field. We’ll support you with great advice - helping you manage your risks and make good decisions to protect your organization or collection.

At La Playa, we’re passionate about the arts and creative industries – many of us are practitioners and active consumers; in fact, La Playa founded the first ever corporate art collective.

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