gold bars together

Specie insurance is a niche insurance product that covers high-value, portable items. It is a specialized coverage form that protects valuable goods, like cash, bullion, diamonds, fine art, valuable documents, and even cryptocurrency, when they are on location, at a third-party location or in transit.

Our London-based subsidiary, Wilson Smith Group London is a Broker at Lloyd’s of London and specializes in tailoring insurance programs for these unique risks.

  • Jewelers Block
  • Manufacturing Jewelers
  • Diamond Dealers
  • Bullion & Precious Metals
  • Fine Arts
  • Antique Dealers & Galleries
  • Museums and Exhibitions
  • Cash & Money in Transit
  • ATM, Safety Deposit Boxes & Vaults
  • Mine operations
  • Marine Cargo
  • Terrorism
  • Event & Competition
  • Financial Institutions-Bankers Blanket Bond

Coverage under a specie policy is typically provided on an all risks of physical loss or damage basis, with policy wordings tailored to unique risk requirements. The core risks covered include damage or loss caused by natural perils, like fire, flood, and windstorm, as well as theft or physical damage.

For more information contact your WSG Broker/Underwriter or email WSG London directly at

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