High-Value Assets
Insurance.
Specialist insurance considerations for valuable physical assets that require carefully structured protection across ownership, storage, transportation, custody and commercial operations.
When value, custody and complexity intersect.
High-value assets can carry significant financial exposure while being owned, stored, displayed, transported, processed or held by third parties. The risk profile can change depending on the asset, location, security arrangements and custody structure.
Specialist insurance arrangements may therefore need to consider more than the value of the asset itself. Valuation methodology, ownership, accumulation, security, transportation and operational controls can all form part of the underwriting assessment.
Valuable assets across specialist industries.
Different assets present different valuation, custody, security and transportation considerations. The following categories may be considered subject to the individual risk.
Bullion & Precious Metals
Eligible gold, silver, platinum, palladium, bullion and other valuable metal assets held or handled by commercial businesses.
Precious Stones
Diamonds, gemstones, loose stones and other valuable stone inventories requiring specialist valuation and security controls.
Jewellery
Eligible jewellery collections, commercial inventories and high-value pieces held by specialist businesses.
Art & Collectibles
Selected artwork, collectibles and other valuable physical property where specialist risk assessment may be appropriate.
Cash & Valuables
Eligible cash, valuable documents and other physical assets requiring controlled custody and security arrangements.
Specialist Assets
Other qualifying high-value physical assets where standard commercial insurance may not fully reflect the risk profile.
Understanding the different points of exposure.
High-value asset risk can extend across the complete asset journey, with different exposures arising depending on location, custody, handling and movement.
Valuation
Accurate valuation and appropriate supporting documentation can be important when determining the financial exposure.
Ownership & Custody
Ownership structures, third-party custody and contractual responsibilities can influence the overall risk assessment.
Storage
Secure premises, access controls, surveillance and inventory procedures can be relevant to assets held in storage.
Transit
Transportation routes, carriers, custody transfers and security procedures can create additional exposure.
Handling
Loading, unloading, processing, inspection and movement can introduce operational risks for valuable physical assets.
Concentration
Significant values concentrated at one location or within one shipment can be relevant to insurance capacity and terms.
Protection considerations from acquisition to delivery.
High-value assets can move through multiple stages during their commercial lifecycle. Each stage may introduce different risk and custody considerations.
Acquisition
Purchase, sourcing or receipt of the asset.
Processing
Manufacturing, grading, refining or preparation.
Storage
Controlled holding at an approved location.
Transit
Movement between authorized locations.
Custody
Transfer between owners or authorized custodians.
Delivery
Final transfer, sale or commercial delivery.
High-value asset risks across specialist businesses.
Businesses dealing with valuable physical assets can have different operational models, custody structures and risk-management needs.
Bullion Dealers
Commercial businesses handling bullion, precious metals and valuable inventories across storage and transportation.
Mining & Refining
Businesses managing valuable materials through extraction, refining, processing, storage and delivery.
Jewellers
Jewellery businesses managing valuable merchandise, stones, inventory and customer or third-party property.
Logistics Providers
Specialist logistics businesses transporting or holding qualifying high-value goods for commercial customers.
Financial Businesses
Eligible businesses with significant physical assets requiring controlled custody and security arrangements.
Asset Owners
Owners of qualifying high-value physical assets requiring individually assessed insurance arrangements.
A structured approach to high-value asset protection.
Insurance can form part of a wider risk-management strategy. Physical security, documentation, custody controls and operational procedures can all contribute to understanding and managing exposure.
Accurate Valuation
Maintain appropriate valuation records and supporting documentation for significant assets and inventories.
Secure Storage
Use suitable storage environments with appropriate physical security, access controls and monitoring.
Chain of Custody
Document custody transfers and maintain clear responsibility between owners, custodians and service providers.
Inventory Controls
Maintain accurate records, reconciliation processes and procedures for movement of valuable assets.
Transit Security
Establish appropriate transportation, route, tracking and delivery procedures for assets in transit.
Incident Procedures
Maintain documented procedures for reporting, investigation, escalation and response to relevant incidents.
The details behind the asset matter.
The information required varies according to the asset and risk. Clear documentation can help insurers understand the exposure and assess appropriate terms.
Asset Information
- Asset type and detailed description
- Ownership and custody structure
- Individual and aggregate values
- Valuation methodology and supporting records
- Location and storage arrangements
- Typical and maximum concentrations
Operational Information
- Storage and security procedures
- Transportation arrangements
- Custody and access controls
- Inventory and reconciliation procedures
- Previous loss or claims information
- Business continuity and incident procedures
Explore related insurance solutions.
High-Value Assets Insurance FAQs.
What is high-value assets insurance?
High-value assets insurance refers to insurance arrangements designed around eligible valuable physical assets where the nature, value, custody or risk profile may require specialist consideration. Actual coverage depends on the applicable insurer and policy wording.
What types of high-value assets can potentially be insured?
Depending on the insurer and risk profile, arrangements may consider bullion, precious metals, gemstones, jewellery, selected artwork and collectibles, cash and other eligible valuable physical assets.
Why is valuation important for high-value assets?
Accurate valuation helps establish the financial exposure and can support the assessment of appropriate limits and insurance terms. The required valuation method depends on the type and circumstances of the asset.
Can assets be covered while they are in storage?
Certain storage exposures may be considered depending on the facility, security arrangements, asset type, values, custody structure and applicable policy terms.
Can high-value assets be covered during transportation?
Certain transit exposures may be considered depending on the asset, route, transportation method, custody arrangements, security procedures and applicable policy wording.
Can third-party property be included?
Some arrangements may consider third-party or customer-owned property where the contractual responsibilities and insurance interest are clearly established. This is subject to underwriting and policy terms.
What information should be provided when requesting a quote?
Useful information can include asset descriptions, values, locations, ownership and custody arrangements, storage and transportation procedures, security controls and previous claims or loss information.
Does this page guarantee that my assets will be insured?
No. This page provides general information only. Whether a particular asset or risk can be insured depends on the insurer, underwriting assessment, policy wording, limits, conditions, exclusions and applicable jurisdiction.
Discuss Your High-Value Assets.
Provide details about your assets, values, ownership, storage, transportation and security arrangements so the risk can be considered in context.