Specie insurance covers high-value physical assets — precious metals, jewellery, gemstones, cash, bullion, fine art and other valuables — against physical loss or damage in the vault, in transit and on display. It is a specialist class where wording, security warranties and location schedules matter enormously, and where London remains the world’s leading market. We place specie risks into Lloyd’s and the London Market on behalf of retail brokers and MGAs.
Our specie appetite is very broad and international, and we hold a delegated Specie / Jewellers’ Block Facility with limits up to USD 20m, backed by Lloyd’s. Where a risk fits the facility we can often bind quickly; larger or more unusual risks are placed on the open market. Every placement is subject to underwriting.
What Specie insurance covers
Jewellers’ Block
Cover for jewellers, wholesalers and manufacturers — stock in the vault, on the premises, in transit and out on memo or approval, tailored to the trade.
Cash & Valuables in Transit
Loss of or damage to cash, bullion and valuables in transit and in the custody of carriers, secured logistics operators and cash management companies.
Vault & Safe Deposit
Cover for valuables held in vaults, safe deposit facilities and storage operations, structured around the security standards in place at each location.
Fine Art & Collectables
Physical loss or damage cover for fine art, antiques and collectables, whether in private collections, in transit, or on exhibition.
Precious Metals & Bullion
Cover for refiners, traders and holders of precious metals and bullion, including storage, processing and transit exposures.
Armoured Transit & Logistics
Specie solutions for the secure logistics sector, addressing accumulation, transit and storage exposures across the movement chain.
Who it’s for
Jewellers, precious-metal refiners and traders, cash-in-transit and secure logistics operators, vault and safe-deposit businesses, auction houses, galleries and private collectors — placed through their retail broker or MGA. We support brokers who need London Market capacity and a specie specialist who can structure the security requirements sensibly.
Our Specie / Jewellers’ Block Facility
Our Lloyd’s-backed facility offers limits of up to USD 20m across specie and jewellers’ block risks. It gives brokers a fast, reliable route to capacity for well-presented risks that fit the appetite — and where a risk sits outside it, our direct market access means we can still take it to underwriters on the open market. All terms are subject to underwriting.
Talk to us about a specie risk
Send us the assets, values, locations and security details and we’ll tell you quickly whether the facility can respond or how we’d approach the wider market.