Specie Insurance

From precious metals and fine art to digital assets and cash in transit or diamonds and jewellery, Specie insurance provides essential financial protection for irreplaceable or high-liquidity items.

At Price Forbes, we place complex Specie risks across global markets. Whether your client operates a secure vault, a crypto custody platform, or transports bullion across jurisdictions, we structure specialist policies that cover both static and transit exposures, with access to leading Lloyd’s and international capacity.

We support bespoke, cross-border programmes with detailed security assessments, custom limits, and direct underwriter engagement, giving brokers and clients confidence in even the most challenging territories.

Specie coverages


Specie insurance is designed to protect high-value assets, whether in storage or in transit. We help brokers place coverage for:

  • Precious Metals & Bullion
    Gold, silver, platinum, and other high-value commodities stored in vaults or transported globally.
  • Cash in Transit / Cash on Premises
    Banknotes, coins, and ATM funds in secure transit or stored in high-security facilities.
  • Fine Art & Collectibles
    Museums, galleries, collectors, and exhibitions - covering works in situ or in transit worldwide.
  • Jewellery & Luxury Goods
    High-value stock for retailers, wholesalers, and manufacturers, including on consignment or at trade shows.
  • Digital Assets (Custody)
    Coverage for cold, warm, or hot wallets held by digital asset custodians or exchanges.
  • Secure Logistics & Vaulting Services
    Protection for third-party storage providers and specialist logistics firms.
  • ATMs, Armoured Car Services, and Casinos
    Bespoke programmes for clients with high cash-flow operations and security exposure.

We offer primary and excess layers, manuscript wordings, and the ability to wrap cover around global operations.

Industries we support with Specie insurance

We place Specie insurance for clients in sectors where asset concentration, transit exposure, or security risk is high:

Key contacts

Jonathan Clark
Jonathan Clark
Chief Executive Officer, Fine Art, Jewellery & Specie

Specie Insurance

Frequently Asked Questions

It depends on the storage method. Cold storage (offline) is typically covered under Specie; hot wallets often require a Crime or hybrid programme. We help structure the right solution.

We’ve placed Specie cover up to and beyond USD2.5 billion for static and USD1.5 billion for transit risks. Higher limits are achievable through layered placements.

Yes. We regularly structure international vaulting and transit programmes, coordinating local compliance and security assessments.

Yes. Underwriters will expect detailed information on physical and procedural security, vault specs, surveillance, staffing, transit procedures, etc.

Yes, depending on underwriting appetite and risk profile, we can secure broad cover including unexplained loss, employee dishonesty, or social engineering elements.