Agreed-value coverage for eclectic collections — fine art, antiques, decorative arts, period furniture, and mixed media alongside.
Intact Specialty — formerly operating under the OneBeacon name before Intact Financial Corporation's acquisition — is a specialty insurer with a focused appetite for high-value personal collections that include antiques, decorative arts, and the kinds of mixed collections that do not fit neatly into the "fine art only" or "jewelry only" categories that some specialist programs prefer. The carrier's underwriting team has genuine expertise in the broad spectrum of collectible categories that sophisticated collectors actually hold: Old Master paintings alongside 18th-century French furniture, contemporary photography alongside Asian ceramics, silver collections alongside wine.
The fine art and personal collections program is built on agreed value throughout, with the flexibility to schedule individual items or cover broader categories under blanket arrangements. Intact Specialty's underwriters are comfortable with the complexity that comes with eclectic, multi-period, multi-media collections — the kind of holdings that have accumulated over a lifetime of active collecting rather than being assembled according to a single collecting thesis. This comfort with complexity is a practical advantage when other carriers' underwriting systems struggle to categorize a collection that spans too many categories.
Intact Financial Corporation, Intact Specialty's parent, is one of the largest property and casualty insurers in Canada and a major specialty insurer in the US and UK. The group's AM Best A+ Superior rating reflects consistent financial performance and disciplined underwriting. For collectors considering Intact Specialty, the group's financial strength provides the same foundational security as its larger US competitors, delivered through a specialty insurer with a focused, expert approach to the collections market.
Paintings, sculpture, prints, photography, and works on paper across all periods. Agreed value with blanket and scheduled options. Comfortable with eclectic, multi-period holdings.
Period furniture, decorative objects, and antiques from any period or culture. A genuine specialty strength — not treated as a peripheral category.
Silver, ceramics, glass, and decorative metalwork. Intact Specialty's underwriters are equipped to value and insure complex decorative arts collections.
Collections spanning multiple categories and periods — Old Masters alongside contemporary works, fine art alongside antique furniture — covered in a unified structure.
High jewelry and estate pieces as part of a broader personal collections program — particularly strong when jewelry is held alongside significant antiques.
Wine and spirits collections as part of a comprehensive mixed-collection program — covered within the same policy structure as fine art and antiques.
What makes Intact Specialty's coverage the right fit for complex, multi-category collections.
Intact Specialty's underwriters are genuinely comfortable with collections that span fine art, antiques, decorative arts, and personal property — not just single-category specialists.
All-risk agreed-value coverage for every scheduled or blanket item — no depreciation applied at claim.
Intact Financial's A+ rating reflects consistent financial performance across a large, diversified specialty portfolio.
Blanket programs for broad collection categories and per-item scheduling for individually significant pieces — structured to fit how the collection is actually composed.
Underwriters are experienced with collections that other carriers find difficult to categorize — eclectic holdings are a strength, not a complication.
Part of one of North America's largest specialty insurers — financial resources and reinsurance support appropriate for high-value collections.
Understanding where Intact Specialty excels — and where another carrier may serve you better.
BestArt Insurance places personal collections business with Intact Specialty for clients whose holdings span categories that other carriers treat as complications rather than expertise. We know how to present eclectic collections — documenting antiques, decorative arts, silver, ceramics, and fine art within a single coherent submission that Intact Specialty's underwriters can evaluate as a unified picture of the collection's value and character. For the collector whose holdings have grown through decades of active, cross-category buying rather than a disciplined single-category strategy, Intact Specialty often provides the most natural and competitive fit in the market.
We'll match your mixed collection with the carrier best equipped to understand and protect it.
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