Fine Art

The following outlines the coverages, exclusions and specifications of the Fine Art Insurance policy. Please note that that some of the additional coverages have sub-limits and the information provided is only a summary of the benefits; the actual policy will govern. If your department, division, unit, etc. is interested in signing up for this insurance, please complete the below excel spreadsheet with your Art along with a picture of each piece. An example highlighted in yellow is shown on the spreadsheet. If you have any questions, please contact Risk Management.

Fine Art Schedule


  • All Items:All risks of physical loss or damage, except those excluded causes of loss; coverage is limited to UCF owned or leased Art required to be insured.

Coverage Territory

  • Worldwide

Covered Property

  • Indoor Fine Art:includes, but is not limited to, paintings using any type of medium (e.g. watercolor, oil, acrylic, etc.), sculptures using any type of medium (e.g. aluminum, stoneware, steel, bronze, etc.).
  • Outdoor Sculptures:includes, but is not limited to, sculptures using any type of medium (e.g. aluminum, stoneware, bronze, granite, steel, copper, etc.).

Additional Coverages

  • Transit:physical loss or damage caused by a peril not excluded, while Art is in transit between locations, if property is packed by a competent professional.


  • Loss or damage cause by or resulting from:natural aging, gradual deterioration, inherent defect, rust or oxidation, moth or vermin, warping or shrinkage; repairing, restoring, retouching or similar process; confiscation, nationalisation, requisition or destruction of by a governmental authority; nuclear reaction, nuclear radiation or radioactive contamination.
  • Loss, damage or liability from:seepage, pollution or contamination; war, invasion, acts or foreign enemies, hostilities, civil war, rebellion, revolution, insurrection, military or usurped power; terrorism and cyber attack.


  • Indoor Fine Art:$2 million
  • Outdoor Sculptures:$3.5 million


  • Indoor Fine Art:$0
  • Outdoor Sculptures:
  • Every loss except those listed below:$750
  • Vandalism and Malicious Mischief:$2,500
  • Named Windstorm and Flood:$7,500


  • Agreed value as reported to the insurance company. In the event of a partial loss, cost and expense to restore minus depreciation, not to exceed full value of item.


Insurance Policies

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