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The Specie account effectively covers the transit and premises risk of any goods of a valuable nature. The coverage we provide may include:

  • Cash and all other associated money risks such as travellers’ cheques, currency, promissory notes, tax and other vouchers of a negotiable nature;
  • Other documents of high value such as share certificates, bonds and associated financial instruments;
  • All forms of diamonds and precious stones including manufactured jewellery, watches, etc.
  • Precious and semi-precious metals in various stages of processing;
  • All aspects of the Fine Art industry, both private and commercial.

We insure the loss of the physical interest itself whilst in transit and in either temporary or permanent storage. This can be extended to cover damage to fixtures and fittings following an insured event. The main risks covered include loss caused by natural perils (fire, flood, windstorm, earthquake, etc.) together with theft or physical damage to the insured items.

In addition to these main perils we can also offer additional coverage tailored to individual businesses which include losses to goods whilst undergoing processing, infidelity, mysterious disappearance and defective title. With the exception of war on land or static terrorism risks, we can provide cover for the associated risks of war, strikes and terrorism in transit.


Lloyd’s Box 82
Watkins Syndicate
Telephone: +44 (0)20 7886 3900
Fax: +44 (0)20 7886 3901

Simon Parnell
Fine Art & Specie Underwriting Manager
Telephone: +44 (0)20 7886 3946

Madeleine Bradnam
Senior Fine Art & Specie Underwriter
Telephone: +44 (0)20 7886 3938

Louis Robertson
Senior Fine Art & Specie Underwriter
Telephone: +44 (0)20 7886 3938