Conservators

By the nature of your business, conservators are required to take possession of artwork owned by others.  What happens if it is damaged or stolen while in your care?  With the proper insurance coverage, you further protect the art in your possession, while also protecting your finances and reputation.
 
The American Institute for Conservation of Historic and Artistic Works and HTB have partnered to provide conservators with an insurance solution designed around your unique exposures.  Our Conservators Fine Art Insurance protects your clients’ property in your care.

Conservators Fine Art Insurance Program

• Coverage provided for the Property of Others in your care, custody and control
• All risk of direct loss are covered except for those specifically excluded in the policy
• Policy exclusions:  wear and tear, gradual deterioration, moths, vermin, inherent vice, process clause, war and nuclear event
• Errors & Omissions sublimit included at no charge:
  • Damage caused by your workmanship is typically excluded from property insurance policies
  • Our E&O adds coverage for damage caused during the performance of your professional services
  • Coverage is 10% of your Premises limit; $10,000 minimum up to $50,000 maximum

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