Auction Houses Insurance

Professional Insurance Packages for All Types of Auction Houses.

Welcome to Auction Houses Insurance from AIC.

Whether you’re selling to the room, or online, and whether you’re selling houses or antiques, we are here to help. Insurances for auction houses can be complex, from covering the stock through to protecting the valuation advice work, we at AIC offer a bespoke solution for every type of business.

Being an independent broker we have access to lots of insurers from across the globe, and our consultants search out the best rates continuously.

Other Auction House Insurance Schemes

Antiques & Fine Art

From valuation services to storage of artefacts, it’s important to have the right cover. Whether you need protection for the premises or for staff going out to carry out their duties, we can ensure the right package of cover is formed around your business.

Household & Commercial Goods

Whether you need insurance for removal & storage of goods, and covering both stock as well as the staff involved, we are sure to find a solution to cover your entire operation.

Online and Other

Even if you’re just selling online the risks to the business are many. From data issues to legal responsibilities you need to ensure the business is covered correctly, so please talk to our team about the various perils and the solutions we can offer to cover them.

Property & Land

We understand the complexities of selling such high value items in what can be emotive times for buyers and sellers alike, so making sure you have the right insurances in place is imperative. Speak to our team about the different levels of protection you might need, to ensure the right package of cover is created.


Whether your moving stock on mass or specialising in niche areas, from classics to commercials, we can tailor make an insurance solution for your needs. From covering the premises to the stock, and the vehicle movement, we have an array of insurers ready to cover your requirements.

What can this policy cover?


To protect the business against valuation or other professional service failures.


Coving the business premises including the stock (held in trust or otherwise) is vitally important.


Covering legal costs when the business needs it most can be very inexpensive if cover is purchased in advance.


Becoming the most common loss to any SME business, from actual theft, data loss and damaged reputation to clientele, this is now a serious consideration to be insured.


From directors cars to company fleets, and to haulage vehicles, we have access to many insurers offering competitive rates.


Ensuring the staff are covered for all their activities whilst carrying out their duties.


Even if you’re not physically involved in moving items you may still have legal responsibilities.


Public/Products: Protecting you against claims from the public for injury or damage. Employers’: Claims for injuries or illness sustained at work.
What’s included?
  • Whether you need cover for everything or you’re just concerned over one specific piece of cover, we can formulate a bespoke package of insurance around your business.

  • A dedicated account handler will look after you, from sales through to claims, so you’ll always know who you’re dealing with.

  • Our pricing is constantly monitored and from a wide range of insurers, so you’ll always get the best quote.

Need help?

Talk to one of our friendly consultants to assess your needs and find a bespoke insurance solution to suit your business.

How to make a claim

Whilst you normally have an emergency phone number stated on your policy documents, we always recommend talking to your account handler first.

Accreditations and Awards
Frequently Asked Questions
  • One of the very first questions you will be asked for an insurance quotation is your trade, as this will determine what covers you will need most. A garage fixing cars will want a motor-trade policy covering them for various customer vehicles in their control, whereas an architect may want Professional Indemnity cover to insure their advice given is protected.

    Some insurance cover may be a legal requirement such as Employers Liability for staff, or Third Party cover on any road going vehicles.

    There’s a long list of various types of policy cover available (examples and links below) and we can talk you through their purpose and cost, and feel free to call one of our friendly consultants.

  • That’s a tough question to answer without first establishing what cover you exactly need. Perhaps you want your premises covered, or maybe you just want the legal minimum cover required such as liability or vehicles? The good news is that we at AIC as brokers, have more insurers available on our panel than nearly any other firm, so we’re bound to find you the most competitive market price on whatever your insurance needs.

    We’ll always recommend starting with a conversation with our helpful and friendly staff, so we can assess your needs and find the right bespoke insurance solution for you.

  • There is no quick answer here, although it can be a lot cheaper than people think. For example Liability insurance for a tradesperson starts at under £75 for the year.

    Firstly you should think about the risks, and what you want to cover, plus we can help you understand what your legal requirements are, so then your able to form an idea of what your overall cover requirement is. With this information we at AIC can quickly asses cost from our vast array of insurers, to get you the best market price.

  • We at AIC always recommend to air on the side of caution, and disclose everything to ourselves, and we can help you decide if this information needs to be told to insurers, which normally it does.

    There are different rules to follow from various sources, as an insurer may ask you to declare convictions in the last 10 years, whereas the rehabilitation act may dictate that you don’t need to declare it for more than say 5 years. DVLA may give you a different answer again for motoring convictions! Talk to one of our friendly consultants and let us help you.

  • Using a dedicated insurance broker provides benefits completely unseen when using a comparison site. With AIC, you’re afforded your own dedicated account manager who specialises in the cover you are seeking. Getting to know our clients is paramount to our customer service dedication and getting to know you AND your requirements is part of that. When you use a price comparison website, you are quite literally just a number and just a click-cost.

  • With any type of cover it is important to present insurers with all the information that will or could possibly affect the way they look at the risk. If this is not provided, insurers have the right to walk away from a claim, to change terms at the time of a claim, or reduce an amount paid depending on which law the insurance adheres to.

    A good insurance broker (like AIC) should not be afraid to ask the right questions of a potential policy holder, or suggest ideas that will help in the risk management of the cover in question. Insurance is there to help you in the event of a problem, and it makes no sense to cut corners on something so important. We’re here to help you!

  • We hate call centres as much as you! Our phones will never be answered by a call centre and only by a staff member. You only deal with your allocated account advisor, so you know who you will be dealing with every time you need to reach out to us.

  • There are two main ways you can pay your insurance: the full sum to cover the next 12 months upfront, or in 12 monthly instalments over an annual period.

    The major drawback to monthly payments is paying by instalment usually makes the total cost of cover higher than it would be if you paid in one go. This is because the insurance company is effectively lending you the money to pay the premium, so it will charge you what amounts to interest on the repayments you make across the year.

    By paying In full you are clearing your entire payment all in one go, meaning the insurance company won’t have to lend you the money and you won’t be due any premiums on the loan.

  • Great question and one we can of course help you with! Business insurance premiums are arrived at by the analysis of your likeliness to have a loss. When you apply for coverage, your information will be analysed by an underwriter who is responsible for determining whether or not they will consider writing a policy for you. Each business has completely different circumstances and we highly advise you to get in contact with us so we can understand and advise in the best possible way.

Talk to one of our friendly consultants to assess your needs and find a bespoke insurance solution to suit your business.

01442 24 24 00

7 High St, Hemel Hempstead, Hertfordshire, HP1 3AA