The gold standard for high-net-worth collectors — agreed value, no depreciation, unmatched claims reputation.
Chubb is one of the world's largest property and casualty insurers, and for high-net-worth collectors, its Masterpiece® program is consistently cited as the benchmark against which other carriers are measured. The program is built around agreed value — the amount stated in the policy is the amount paid at claim, without depreciation, without negotiation, and without delay. That simplicity, backed by institutional execution, is what has made Chubb the carrier of choice for the most significant private collections in the world.
What distinguishes Chubb is not just the policy language but the claims experience. Independent surveys of HNW policyholders consistently rank Chubb at or near the top for claims satisfaction. The company employs dedicated art claims specialists — not generalist adjusters — with deep knowledge of conservation, authentication, and the secondary market. Its long-standing reputation for paying fairly and promptly is not marketing copy; it is an operational reality that has been validated over decades of handling complex, high-value losses.
The Masterpiece® product is holistic: it combines the primary residence, scheduled personal articles (including fine art and jewelry), domestic staff liability, and personal excess liability into a single unified policy. For collectors who want every element of their household risk managed by a single carrier with exceptional financial strength — A++ from AM Best, the highest possible rating — Chubb Masterpiece® is the natural starting point.
Paintings, sculpture, photography, prints, and works on paper. Agreed value with no depreciation. Chubb employs dedicated art claims specialists who understand restoration, authentication, and secondary market values.
High jewelry, diamond collections, estate silver, and decorative metalwork. Scheduled at agreed appraisal values — Chubb's jewelry claims team understands replacement at current market levels.
Wine and spirits collections covered for breakage, temperature failure, and transit. Available as part of the integrated Masterpiece® package alongside art and home.
The Masterpiece® homeowners policy covers primary and secondary residences on a guaranteed replacement cost basis — no depreciation on the home, no sub-limits for high-value finishes.
Furs, antiques, and miscellaneous personal collections covered alongside art and jewelry in the unified Masterpiece® structure — a genuinely comprehensive household policy.
Excess personal liability and domestic staff workers' compensation available as part of the unified Masterpiece® package — protecting assets as well as property.
The structural advantages that make Chubb Masterpiece® the reference standard in high-net-worth personal lines.
The scheduled value is the settlement value. Chubb does not apply depreciation at claim — what you insured at agreed value is what you receive, period.
AM Best A++ Superior sits at the absolute top tier of financial strength. For a collection representing millions of dollars, the insurer's ability to pay matters as much as the coverage itself.
Home, art, jewelry, liability — all under one policy. Simplified management, single renewal date, coordinated coverage, and no gaps between separate policies from different carriers.
Chubb employs dedicated art claims professionals with specialized knowledge of conservation, authentication, and the secondary market — not generalist adjusters learning on the job.
Personal articles covered worldwide — at home, on museum loan, with a conservator, traveling internationally. Coverage follows the collector and the collection.
Chubb's Risk Consulting team offers in-home consultations for large collections, identifying security, environmental, and storage risks before they manifest as claims.
Understanding where Chubb excels — and where another carrier may serve you better.
BestArt Insurance is an authorized Chubb Masterpiece® agent. Our relationship with Chubb allows us to present collector risks professionally and completely — including appraisal documentation, security information, and storage details in the format Chubb underwriters expect. We know how to structure a submission that receives serious attention and appropriate pricing. If Chubb Masterpiece® is the right fit for your collection and household, we handle everything from initial submission through policy delivery and annual renewal review — including coordinating the home, art, and jewelry components into a coherent package.
We'll evaluate Chubb Masterpiece® alongside every other specialist carrier to find the best fit for your risk profile and budget.
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