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General Specie

General Specie

Insurance protection for high value items in transit or at secure storage facilities.

What we offer

Bespoke all risks of physical loss or damage for high value items from cash and precious metals to high value documents. Our coverage offers first party physical loss or damage/theft forms, but we can offer legal liability cover for some clients based on the contractual responsibility of the client to the items insured.

Coverage includes:

How can we help

Our team has extensive experience in providing market leading specie coverage. In addition to jewellers block, fine art and cash in transit, we can also insure a variety of high value “general specie” items. The diverse nature of these assets makes them well suited to our specialist underwriting approach to creating bespoke coverage.

We also have expertise in providing insurance for excess coverage in relation to protection offered by the Securities Investor Protection Corporation

The Beazley Difference

Integrated risk protection package that combines several coverages in just one policy
Affirmative coverage for claims made against an insured which results in bodily injury
Deep product knowledge since we pioneered Virtual Care in 2009
Knowledgeable Underwriters, Wordings Lawyers, and Claims Managers with expertise in all key areas of coverage
Dedicated Beazley Breach Response Services, including breach response management, information security insurance solutions, and risk management services

Examples or Scenarios

All assets known as specie share the fact that they are valuable, at Beazley we believe this is where the similarity ends.

Those in the jewellery trade have different concerns to organisations that regularly transport cash. The protection needed by those with a fine art collection is not the same as required for storing financial instruments.