For your collections

Regardless of their location, each piece included on your policy is covered in the event of damage due to fire, theft, earthquake, flood and even breakage. Here’s what else you can expect: 

• New acquisitions are immediately covered at the time of purchase, giving you 90 days to add them to your policy (coverage is up to 25% of your overall policy limit; other options available upon request).

• If a covered item needs to be replaced, we will reimburse up to 150% of its scheduled value.

• Jewelry coverage extends during re-setting, polishing or other professional repairs and restoration. In- and out-of-vault coverage is available, and there’s no additional charge for most out-of-vault jewelry transactions.

• Before finalizing a purchase, you can take articles (worth up to $1 million) home on loan and know they are protected.

• If you wish to use artwork as a loan guarantee, we can make the lending institution an additional loss payee and named insured on your policy. We also can recommend a variety of financial companies who offer such loans.
  

Wine enthusiasts know the rewards of owning a collection: nurturing a bottle for years, anticipating its peak and, at last, savoring the fruit of the vine. Unfortunately, some bottles won’t make it that far. Fragile bottles can break. Basement cellars can flood. Refrigeration systems can malfunction. Fortunately, Private Client Group can help.

We can provide precisely the level of coverage you require. Depending on the extent of your collection, you may choose one overall coverage limit or address bottles individually.

Broad coverage. Our policy responds to damage from fire, theft, earthquake, flood and breakage.

Up to 150% replacement cost. If a covered item must be replaced, it’s less vulnerable to market volatility.

Mechanical breakdown. You’re protected if wine spoils due to climate control system failure.

Newly acquired items. New acquisitions are immediately covered for up to 90 days from the time of purchase.

Worldwide coverage. Each piece included on the policy is protected, regardless of location.

In-transit items. Rest assured that bottles shipped from your favorite vineyard are covered.

You may already employ specialists to manage the financial aspects of your collection, but a different kind of expertise is required to identify — and remedy — everyday circumstances that can threaten its value.

We are proud to offer the services of our in-house team of collection management professionals. As a complement to the efforts of your advisors or curatorial staff, we can help:

• Develop comprehensive maintenance programs 
  
• Coordinate appraisals and inventories 
  
• Facilitate packing and transport
  
• Prepare for natural disasters
  
• Conduct vulnerability assessments at your home

Our Concierge-level Claims Service^® professionals understand the uniqueness of your collection and the level of care that is required. In the unfortunate event of damage, we work with a vast network of conservators, appraisers, and restoration and repair specialists — anywhere in the world. If an item is lost or stolen, we will make every effort to recover it.