Art Galleries & Dealers

Sprezzatura Insurance Group provides the following insurance coverage for Art Galleries:

Level of Risk Per-Line of Business: Low, Medium & High.

• Automobile Liability: Low
• General Liability: Premises and Operations: Medium - Exposures for art galleries will be moderate.
• Product Liability and Completed Operations: Low
• Workers’ Compensation: Low
• Crime: Low
• Fire and E.C.: Property: Medium - In the event of a fire, a total loss is likely.
• Business Interruption: Low
• Inland Marine: High- Will be covered here under a Fine Arts Floater.

Based on ISO, AM Best, and others; Recommended class codes for Art Galleries are:

Standard Industrial Classification Manual (SIC) Codes and Classifications

• 5999- Miscellaneous Retail Stores, Not Elsewhere Classified
• 8412- Museums and Art Galleries