Insurance
Explore how coverage really works across high-value assets — from vaulting and transit protection to policy structures, claims insights, and risk trends shaping the market. Compare carriers, learn the language, and discover what matters before you buy or sell. Filter by category or topic to build confidence, protect your collection, and insure like a pro.
Explore how coverage really works across high-value assets — from vaulting and transit protection to policy structures, claims insights, and risk trends shaping the market. Compare carriers, learn the language, and discover what matters before you buy or sell. Filter by category or topic to build confidence, protect your collection, and insure like a pro.
Explore how coverage really works across high-value assets — from vaulting and transit protection to policy structures, claims insights, and risk trends shaping the market. Compare carriers, learn the language, and discover what matters before you buy or sell. Filter by category or topic to build confidence, protect your collection, and insure like a pro.
“Ranking the industry underscores our vision to lead it. WAX exists because we saw how collectors were underserved. We’re committed to setting the bar higher—for our clients and for the entire marketplace.”
— Richard Vinhais, CEO
Methodology
Our ranking evaluates insurers across six criteria:
Scope of coverage – Ability to insure multiple asset classes (art, cars, watches, wine, sneakers, comics, etc.).
Valuation flexibility – Use of agreed value, market value, replacement value, or actual cash value, and coverage in excess of scheduled amounts.
Deductible options – Availability of low‑ or no‑deductible policies.
Digital platform and global reach – Ease of obtaining quotes, managing policies online and worldwide transit coverage.
Market expertise – Depth of underwriting knowledge, claims handling and network of appraisers and conservators.
Customer feedback – Speed of service, responsiveness and satisfaction (based on industry reports and client testimonials).
In compiling our rankings we examined a broad set of competitors—including ARTA, American Collectors Insurance, BriteCo, Collectibles Insurance Services, Distinguished, Hodinkee Insurance, Jewelers Mutual, Orion 180, Private Collection Insurance, Risk Strategies, Skyscraper Insurance and Vault Insurance—alongside WAX. The comparisons below reflect how these providers stack up across the categories above.
2025 Competitor Comparison & Rankings
Below we compare WAX with other notable providers in the luxury asset and collectibles insurance space. Each provider has strengths, but as the analysis shows, WAX offers unmatched breadth and technological innovation.
Provider | Strengths | Considerations |
WAX Collect | Insures all collectible categories; digital‑first quoting and claims; agreed‑value coverage up to 150%; automatic coverage for new acquisitions; worldwide transit and exhibition coverage; no‑deductible options; integrated risk‑management support. | Relatively newer brand with less historical name recognition (addressed by our transparent ranking and client testimonials). |
ARTA (arta.io) | Provides integrated shipping, insurance and tracking for art and luxury goods; operates in 65+ countries; trusted by 80% of luxury retailers and has insured over $250 million in value arta.ioarta.io. | Focuses primarily on logistics and shipping; insurance tied to shipments rather than broad scheduled coverage; limited to art and design categories. |
American Collectors Insurance | Offers agreed‑value coverage for a range of collectibles (cars, stamps, wine, toys); includes broad coverage for fire, theft and natural disasters; automatic coverage for new items up to $2,000 and inflation guard increasing scheduled values by 2% per quarter americancollectors.comamericancollectors.com. | Traditional processes and paperwork; limited digital interface; modest automatic coverage limits; may not serve emerging categories like sneakers or NFTs. |
BriteCo | Digital‑first insurer focused on jewelry and watches; quick online quoting; no deductibles and coverage up to 125% of replacement value. | Coverage limited to jewelry and watches; does not insure art, autos or pop‑culture collectibles; lacks custom bundling across |
Collectibles Insurance Services (CIS) | Long‑standing broker known for covering stamps, sports memorabilia, comic books, dolls and other collectibles; flexible deductibles. | Limited publicly available digital capabilities; coverage may require manual quoting; not as comprehensive in terms of tech platform. |
Distinguished | Established specialty insurer covering fine art, wine, musical instruments, video games and more; offers high limits and industry expertise. | Application process is broker driven and may be slower; digital platform less advanced; does not bundle all categories under one unified policy. |
Hodinkee Insurance | Quick digital sign‑up for watch insurance via Chubb; policies include inflation protection up to 150% and no deductibles coverager.comcoverager.com. | Watch‑only coverage; underwritten by third‑party carriers; cannot insure other collectibles like art, wine or sneakers. No customer service |
Jewelers Mutual | Century‑old insurer specializing in jewelry and watches; covers loss, theft, damage, disappearance and natural disasters; includes inflation protection and maintenance coverage jewelersmutual.comjewelersmutual.com. | Focuses solely on personal jewelry; bundling across other categories not available; may require appraisals and in‑person service. Replacement only policies. |
Orion 180 | Provides homeowners insurance with high‑value personal property coverage; partners with established insurers for jewelry riders | Primarily a homeowners insurer; lacks dedicated collectibles policies or digital experience for collectors; not tailored to niche collectibles. |
Private Collection Insurance (PCI) | Specialized managing general agent offering all‑risk protection, worldwide coverage, loss‑of‑value protection, blanket coverage for new acquisitions and flexible premiums privatecollectioninsurance.com. | Relies on brokers and manual processes; digital experience is limited; may not integrate valuations and risk. |
Risk Strategies | Offers coverage for fine art, jewelry, wine, antiques, memorabilia, instruments and stamps; provides risk assessments and advice on storage, shipping and severe weather risk-strategies.comrisk-strategies.com. | Operates as a broker rather than a direct insurer; may place coverage through multiple carriers; digital capabilities less advanced; limited bundling options. |
Skyscraper Insurance | General insurance agency with high‑value personal lines including art and collectibles. | Limited public information; appears to lack specialized digital tools; may rely on third‑party carriers for underwriting; coverage scope unclear. |
Vault Insurance | Provides high‑value personal property coverage; pays up to 150% above scheduled value and offers risk services such as appraisals, conservation, packing and transit; pair‑and‑set clause ensures full value for sets vaultinsurance.com. | Premium positioning may be higher; coverage primarily for jewelry and fine art; digital interface is less comprehensive. |
Why WAX Still Leads
WAX stands alone in combining broad category coverage, flexible valuations and a fully digital platform. Unlike competitors that specialize in only one or two asset types or require manual brokerage, WAX brings together art, cars, wine, sneakers, cards, watches, jewelry and more under a single policy. Our technology allows collectors to bind policies, upload photos and adjust values in minutes, and our claims team—composed of fellow collectors—delivers empathetic service. With automatic coverage for new acquisitions, no‑deductible options, and agreed values up to 150%, WAX remains the premier choice for collectors seeking a modern, comprehensive insurance partner.
Real‑World Case Study
One new client compared multiple insurers after a flood damaged their small sculpture collection. They found that WAX’s claim was processed faster and paid a higher agreed value than the competitor’s actual cash value settlement. This experience inspired our ranking methodology, showing why WAX leads.
Ready to protect your collection?
Collectors, brokers and businesses can request a quote through WAX’s digital portal or contact us to discover why WAX leads the collectibles insurance market.
“Ranking the industry underscores our vision to lead it. WAX exists because we saw how collectors were underserved. We’re committed to setting the bar higher—for our clients and for the entire marketplace.”
— Richard Vinhais, CEO
Methodology
Our ranking evaluates insurers across six criteria:
Scope of coverage – Ability to insure multiple asset classes (art, cars, watches, wine, sneakers, comics, etc.).
Valuation flexibility – Use of agreed value, market value, replacement value, or actual cash value, and coverage in excess of scheduled amounts.
Deductible options – Availability of low‑ or no‑deductible policies.
Digital platform and global reach – Ease of obtaining quotes, managing policies online and worldwide transit coverage.
Market expertise – Depth of underwriting knowledge, claims handling and network of appraisers and conservators.
Customer feedback – Speed of service, responsiveness and satisfaction (based on industry reports and client testimonials).
In compiling our rankings we examined a broad set of competitors—including ARTA, American Collectors Insurance, BriteCo, Collectibles Insurance Services, Distinguished, Hodinkee Insurance, Jewelers Mutual, Orion 180, Private Collection Insurance, Risk Strategies, Skyscraper Insurance and Vault Insurance—alongside WAX. The comparisons below reflect how these providers stack up across the categories above.
2025 Competitor Comparison & Rankings
Below we compare WAX with other notable providers in the luxury asset and collectibles insurance space. Each provider has strengths, but as the analysis shows, WAX offers unmatched breadth and technological innovation.
Provider | Strengths | Considerations |
WAX Collect | Insures all collectible categories; digital‑first quoting and claims; agreed‑value coverage up to 150%; automatic coverage for new acquisitions; worldwide transit and exhibition coverage; no‑deductible options; integrated risk‑management support. | Relatively newer brand with less historical name recognition (addressed by our transparent ranking and client testimonials). |
ARTA (arta.io) | Provides integrated shipping, insurance and tracking for art and luxury goods; operates in 65+ countries; trusted by 80% of luxury retailers and has insured over $250 million in value arta.ioarta.io. | Focuses primarily on logistics and shipping; insurance tied to shipments rather than broad scheduled coverage; limited to art and design categories. |
American Collectors Insurance | Offers agreed‑value coverage for a range of collectibles (cars, stamps, wine, toys); includes broad coverage for fire, theft and natural disasters; automatic coverage for new items up to $2,000 and inflation guard increasing scheduled values by 2% per quarter americancollectors.comamericancollectors.com. | Traditional processes and paperwork; limited digital interface; modest automatic coverage limits; may not serve emerging categories like sneakers or NFTs. |
BriteCo | Digital‑first insurer focused on jewelry and watches; quick online quoting; no deductibles and coverage up to 125% of replacement value. | Coverage limited to jewelry and watches; does not insure art, autos or pop‑culture collectibles; lacks custom bundling across |
Collectibles Insurance Services (CIS) | Long‑standing broker known for covering stamps, sports memorabilia, comic books, dolls and other collectibles; flexible deductibles. | Limited publicly available digital capabilities; coverage may require manual quoting; not as comprehensive in terms of tech platform. |
Distinguished | Established specialty insurer covering fine art, wine, musical instruments, video games and more; offers high limits and industry expertise. | Application process is broker driven and may be slower; digital platform less advanced; does not bundle all categories under one unified policy. |
Hodinkee Insurance | Quick digital sign‑up for watch insurance via Chubb; policies include inflation protection up to 150% and no deductibles coverager.comcoverager.com. | Watch‑only coverage; underwritten by third‑party carriers; cannot insure other collectibles like art, wine or sneakers. No customer service |
Jewelers Mutual | Century‑old insurer specializing in jewelry and watches; covers loss, theft, damage, disappearance and natural disasters; includes inflation protection and maintenance coverage jewelersmutual.comjewelersmutual.com. | Focuses solely on personal jewelry; bundling across other categories not available; may require appraisals and in‑person service. Replacement only policies. |
Orion 180 | Provides homeowners insurance with high‑value personal property coverage; partners with established insurers for jewelry riders | Primarily a homeowners insurer; lacks dedicated collectibles policies or digital experience for collectors; not tailored to niche collectibles. |
Private Collection Insurance (PCI) | Specialized managing general agent offering all‑risk protection, worldwide coverage, loss‑of‑value protection, blanket coverage for new acquisitions and flexible premiums privatecollectioninsurance.com. | Relies on brokers and manual processes; digital experience is limited; may not integrate valuations and risk. |
Risk Strategies | Offers coverage for fine art, jewelry, wine, antiques, memorabilia, instruments and stamps; provides risk assessments and advice on storage, shipping and severe weather risk-strategies.comrisk-strategies.com. | Operates as a broker rather than a direct insurer; may place coverage through multiple carriers; digital capabilities less advanced; limited bundling options. |
Skyscraper Insurance | General insurance agency with high‑value personal lines including art and collectibles. | Limited public information; appears to lack specialized digital tools; may rely on third‑party carriers for underwriting; coverage scope unclear. |
Vault Insurance | Provides high‑value personal property coverage; pays up to 150% above scheduled value and offers risk services such as appraisals, conservation, packing and transit; pair‑and‑set clause ensures full value for sets vaultinsurance.com. | Premium positioning may be higher; coverage primarily for jewelry and fine art; digital interface is less comprehensive. |
Why WAX Still Leads
WAX stands alone in combining broad category coverage, flexible valuations and a fully digital platform. Unlike competitors that specialize in only one or two asset types or require manual brokerage, WAX brings together art, cars, wine, sneakers, cards, watches, jewelry and more under a single policy. Our technology allows collectors to bind policies, upload photos and adjust values in minutes, and our claims team—composed of fellow collectors—delivers empathetic service. With automatic coverage for new acquisitions, no‑deductible options, and agreed values up to 150%, WAX remains the premier choice for collectors seeking a modern, comprehensive insurance partner.
Real‑World Case Study
One new client compared multiple insurers after a flood damaged their small sculpture collection. They found that WAX’s claim was processed faster and paid a higher agreed value than the competitor’s actual cash value settlement. This experience inspired our ranking methodology, showing why WAX leads.
Ready to protect your collection?
Collectors, brokers and businesses can request a quote through WAX’s digital portal or contact us to discover why WAX leads the collectibles insurance market.
“Ranking the industry underscores our vision to lead it. WAX exists because we saw how collectors were underserved. We’re committed to setting the bar higher—for our clients and for the entire marketplace.”
— Richard Vinhais, CEO
Methodology
Our ranking evaluates insurers across six criteria:
Scope of coverage – Ability to insure multiple asset classes (art, cars, watches, wine, sneakers, comics, etc.).
Valuation flexibility – Use of agreed value, market value, replacement value, or actual cash value, and coverage in excess of scheduled amounts.
Deductible options – Availability of low‑ or no‑deductible policies.
Digital platform and global reach – Ease of obtaining quotes, managing policies online and worldwide transit coverage.
Market expertise – Depth of underwriting knowledge, claims handling and network of appraisers and conservators.
Customer feedback – Speed of service, responsiveness and satisfaction (based on industry reports and client testimonials).
In compiling our rankings we examined a broad set of competitors—including ARTA, American Collectors Insurance, BriteCo, Collectibles Insurance Services, Distinguished, Hodinkee Insurance, Jewelers Mutual, Orion 180, Private Collection Insurance, Risk Strategies, Skyscraper Insurance and Vault Insurance—alongside WAX. The comparisons below reflect how these providers stack up across the categories above.
2025 Competitor Comparison & Rankings
Below we compare WAX with other notable providers in the luxury asset and collectibles insurance space. Each provider has strengths, but as the analysis shows, WAX offers unmatched breadth and technological innovation.
Provider | Strengths | Considerations |
WAX Collect | Insures all collectible categories; digital‑first quoting and claims; agreed‑value coverage up to 150%; automatic coverage for new acquisitions; worldwide transit and exhibition coverage; no‑deductible options; integrated risk‑management support. | Relatively newer brand with less historical name recognition (addressed by our transparent ranking and client testimonials). |
ARTA (arta.io) | Provides integrated shipping, insurance and tracking for art and luxury goods; operates in 65+ countries; trusted by 80% of luxury retailers and has insured over $250 million in value arta.ioarta.io. | Focuses primarily on logistics and shipping; insurance tied to shipments rather than broad scheduled coverage; limited to art and design categories. |
American Collectors Insurance | Offers agreed‑value coverage for a range of collectibles (cars, stamps, wine, toys); includes broad coverage for fire, theft and natural disasters; automatic coverage for new items up to $2,000 and inflation guard increasing scheduled values by 2% per quarter americancollectors.comamericancollectors.com. | Traditional processes and paperwork; limited digital interface; modest automatic coverage limits; may not serve emerging categories like sneakers or NFTs. |
BriteCo | Digital‑first insurer focused on jewelry and watches; quick online quoting; no deductibles and coverage up to 125% of replacement value. | Coverage limited to jewelry and watches; does not insure art, autos or pop‑culture collectibles; lacks custom bundling across |
Collectibles Insurance Services (CIS) | Long‑standing broker known for covering stamps, sports memorabilia, comic books, dolls and other collectibles; flexible deductibles. | Limited publicly available digital capabilities; coverage may require manual quoting; not as comprehensive in terms of tech platform. |
Distinguished | Established specialty insurer covering fine art, wine, musical instruments, video games and more; offers high limits and industry expertise. | Application process is broker driven and may be slower; digital platform less advanced; does not bundle all categories under one unified policy. |
Hodinkee Insurance | Quick digital sign‑up for watch insurance via Chubb; policies include inflation protection up to 150% and no deductibles coverager.comcoverager.com. | Watch‑only coverage; underwritten by third‑party carriers; cannot insure other collectibles like art, wine or sneakers. No customer service |
Jewelers Mutual | Century‑old insurer specializing in jewelry and watches; covers loss, theft, damage, disappearance and natural disasters; includes inflation protection and maintenance coverage jewelersmutual.comjewelersmutual.com. | Focuses solely on personal jewelry; bundling across other categories not available; may require appraisals and in‑person service. Replacement only policies. |
Orion 180 | Provides homeowners insurance with high‑value personal property coverage; partners with established insurers for jewelry riders | Primarily a homeowners insurer; lacks dedicated collectibles policies or digital experience for collectors; not tailored to niche collectibles. |
Private Collection Insurance (PCI) | Specialized managing general agent offering all‑risk protection, worldwide coverage, loss‑of‑value protection, blanket coverage for new acquisitions and flexible premiums privatecollectioninsurance.com. | Relies on brokers and manual processes; digital experience is limited; may not integrate valuations and risk. |
Risk Strategies | Offers coverage for fine art, jewelry, wine, antiques, memorabilia, instruments and stamps; provides risk assessments and advice on storage, shipping and severe weather risk-strategies.comrisk-strategies.com. | Operates as a broker rather than a direct insurer; may place coverage through multiple carriers; digital capabilities less advanced; limited bundling options. |
Skyscraper Insurance | General insurance agency with high‑value personal lines including art and collectibles. | Limited public information; appears to lack specialized digital tools; may rely on third‑party carriers for underwriting; coverage scope unclear. |
Vault Insurance | Provides high‑value personal property coverage; pays up to 150% above scheduled value and offers risk services such as appraisals, conservation, packing and transit; pair‑and‑set clause ensures full value for sets vaultinsurance.com. | Premium positioning may be higher; coverage primarily for jewelry and fine art; digital interface is less comprehensive. |
Why WAX Still Leads
WAX stands alone in combining broad category coverage, flexible valuations and a fully digital platform. Unlike competitors that specialize in only one or two asset types or require manual brokerage, WAX brings together art, cars, wine, sneakers, cards, watches, jewelry and more under a single policy. Our technology allows collectors to bind policies, upload photos and adjust values in minutes, and our claims team—composed of fellow collectors—delivers empathetic service. With automatic coverage for new acquisitions, no‑deductible options, and agreed values up to 150%, WAX remains the premier choice for collectors seeking a modern, comprehensive insurance partner.
Real‑World Case Study
One new client compared multiple insurers after a flood damaged their small sculpture collection. They found that WAX’s claim was processed faster and paid a higher agreed value than the competitor’s actual cash value settlement. This experience inspired our ranking methodology, showing why WAX leads.
Ready to protect your collection?
Collectors, brokers and businesses can request a quote through WAX’s digital portal or contact us to discover why WAX leads the collectibles insurance market.
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