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Bateman Group Logo
Bateman Group Logo

Gallery Insurance

    An exclusive product from The Bateman Group, providing galleries with a specialist insurance solution. Make sure your gallery is protected!

    Why choose us for your Gallery Insurance

    Our Gallery Insure product is specifically designed to offer a full range of insurance covers to all Art Galleries, ranging from the small private sea front galleries to the large commercial chains, as well as any associated businesses involved in printing, manufacturing, retail and online sales.

    The Bateman Group in-house underwriters will ensure your business needs are fully covered. At Gallery Insure, we have streamlined our operation to provide rapid service and turnaround to ensure you receive only our most competitive rates.

    Helping the UK with Gallery Insurance since 1967

    Why The Bateman Group?

    • Established since 1967
    • Personal service – nominated point of contact
    • Annual reviews
    • 100% independent consultants with access to whole of market
    • Capacity & experience to place non-standard/specialised risks
    • Experienced ‘in-house’ support team
    • Swift issue of policy documentation
    • Rapid claims handling
    • 3,000 clients across the UK

    Key features of our cover include:

    • Trade contents include Accidental Damage
    • Contents cover when temporarily removed for cleaning, renovation, repair or similar purposes
    • Seasonal increase in stock
    • Stock at Managers / employees homes up to 25% sum insured up to a maximum of £20,000
    • Bespoke basis of valuation in respect of Stock
    • Death of an artist
    • Automatic Employers Liability cover at £10 million
    • Public & Products Liability – Cover limit £2 million as standard with the option to increase to £5 million
    • Goods In Transit cover – £1,500
    • Money (in transit & on premises during business hours) – £3,000
    • Book debts – £20,000
    • Personal Accident / Assault – £25,000 (up to)
    • Legal Expenses – £100,000 (included upon request)

    Gallery InsuranceFAQs

    What is Gallery Insurance?

    Our Gallery Insurance is a bespoke package built specifically for art galleries to provide cover for day-to-day risks. The package contains everything required for you galley to be fully protected, including cover such as buildings, contents, public liability, plus many other areas of protection.

    Why do I need Gallery Insurance?

    Making sure that you are fully covered in all risk areas is our highest priority for you. We package everything you require in one simple premium, so you can rest assured that we have assessed all areas there could be a potential claim, so you are covered in any unfortunate circumstances.

    What does Gallery Insurance cover?

    Our Gallery Insurance covers many areas of risk such as damage in a fire or flood which could pay for repairs and rebuild, death of an artist, loss of value, public liability insurance in case of any accidents, as the smallest ones can cause the biggest claims, plus many other areas of protection.

    Our expert insurance advisors will assess your needs and put together the best Gallery Insurance package for you to ensure the most comprehensive protection that you require. We aim to source the best cover for you at the lowest price from our panel of insurers.

    How does Gallery Insurance work?

    The Gallery Insurance package is a selection of covers that you would require to protect your art gallery against the risks it faces on a daily basis.

    The way in which we work out the best Gallery Insurance package for you, is we take the time to fully understand your requirements, along with the uniqueness of the way your business works and how everything is set up.

    We go into detail to determine the level of risk that is probable on a daily basis, so we can then build the right bespoke insurance package that would protect your gallery in any of those unfortunate circumstances.

    What if my gallery has had claims in the past?

    When a quote is put together for Gallery Insurance, we asses your business on an individual basis depending on a number of factors. If you have had claims in the past, we are still able to provide insurance for you, once we establish the whole picture of the risks involved within your business.

    Setting in place risk preventative measures and procedures can dramatically reduce the chances of the claimed risk happening again. These efforts can also help increase the number of insurers that we are able to approach to provide you with the most comprehensive and lowest priced Gallery Insurance package in your current state of business risk and previous claims.

    Is it required for my gallery to have ‘Employers’ Liability Insurance’ if I employ staff?

    If your gallery employs any staff, such as full-time, part-time, labour-only subcontractors, or even volunteers, then it is a legal requirement for your business to have employers’ liability insurance as part of your Gallery Insurance package. This certificate of insurance should also be prominently visible or at least accessible electronically to all employees within your business.

    Can you cover high-value items?

    Yes, we are able to provide this cover as part of your Gallery Insurance package. Insurers will be looking at the type of high-value items you possess, the value, your location, any security measures you have in place to prevent any unfortunate circumstances. These are some of the factors that can fluctuate the premium to protect you against these kinds of claims.

    What are the dangers of getting the cheapest online quote?

    Statistically, most of the time that people are enticed into purchasing the cheapest online quote from one of the aggregator sites you see on TV, is that you are at high risk of being underinsured. This is because the systems just give you the price based on the information you have added without any expert insurance guidance. You may have unknowingly not ticked something, or put in the wrong information from what the system was asking of you, and of course, no one reads the small print, so there might be something there that can prevent you from getting a claim paid out when you need it most.

    The good thing with getting your Gallery Insurance with Bateman Group, especially if it’s for a high-value art and statues, is that we are here with you as your trusted insurance advisors every step of the way, who you can actually speak with and visit in person if you want to. You can rest assured that when you take out Gallery Insurance policy with us, that we will ensure that everything is correct to give you the highest chance of getting a claim paid out if anything unfortunate was to happen to your gallery.

    A standard policy will state that at the time of theft a claim will only be paid out if all the windows and doors are locked, which is very unreasonable. That’s why our panel of insurers understand this and provide bespoke policies for your specific art collection and situation.

    Do I need to list every single item?

    It is not required to list every single item of art you would like to insure, as long as you specify the total value. We know that if you have a large collection then this can seem a very daunting and also expensive, time-consuming task, which is why when you take out a quote with us for Gallery Insurance, that we will keep everything concise, simple and straightforward for you. At the same time also keeping a high level of detail and expertise in your policy wordings, that our insurance advisors will work on to ensure you are fully covered in any circumstance, and also making you aware of all the options and potential risks.

    We are not professional valuers and do not offer that service. We would always recommend that you obtain a professional valuation on a regular basis to ensure that the sums insured are correct, up to date and in line with market conditions to avoid any risk of “under-insurance” in the event of a claim, which could affect the outcome of any payment.

    If you are in any doubt regarding the value of your home or possessions, then always seek the advice of an experienced and qualified professional – and if any changes are subsequently required, then contact your insurance broker and/or provider to ensure that the levels of cover are accurate and appropriate.

    Do you provide Gallery Insurance in monthly instalments?

    We are able to provide most types of Gallery Insurance packages in monthly instalments. Please don’t hesitate to get in touch with one of our insurance experts who will be able to advise on the best solution to ensure the full protection of your gallery. Please start an online quote at the top of the page or call us on 01926 495 113.