Fine Art

Policy Period: December 31, 2016 – December 31, 2017

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 EH&S Risk Management.

Fine Art Schedule Microsoft Excel Document Icon


  • 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: $3.50 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.



Risk Management

Main Phone: 407-823-6300
Fax: 407-823-0146

P.O. Box 163500
3540 Perseus Loop, Bldg. 16A Facilities and Safety
Orlando, FL 32816-3500

Blake LovvornAssistant Director