When fine art or historic objects are damaged, adjusters need more than just appraisals—they need clarity, credibility, and conservation expertise. In this sponsored editorial, B.R. Howard & Associates Inc. shares how their team supports insurers and policyholders alike through professional assessments, expert treatments, and decades of specialized experience.

Art theft is a high-stakes, emotionally charged event. Learn how to support policyholders, document claims, and work with law enforcement and global registries to manage recovery efforts and mitigate further risk.

Not all damage is permanent—especially when skilled conservators get involved early. Discover how adjusters can build relationships with conservancy experts to guide restorations that respect the original work and fulfill policy obligations.

Fine art policies require detail, foresight, and nuance. Explore how insurers can craft tailored policies that address transport risks, fluctuating values, and restoration clauses—reducing ambiguity and avoiding costly disputes.

From hurricanes to house fires, disasters can wreak havoc on priceless collections. Explore best practices for triage, documentation, and collaboration with conservators to minimize damage and preserve what matters most in the aftermath of loss.

Policyholder satisfaction is built one interaction at a time. Aspen Claims Service uses its Claims Plus Approach to help carriers deliver exceptional experiences—combining speed, professionalism, and proactive communication in every claim.

Disputes don’t have to be part of the claims process. With clear expectations, solid documentation, and a little proactive communication, adjusters can head off conflict before it starts—keeping claims on track and policyholders at ease.

Every claim is unique—because every policyholder is. Tailoring communication, tone, and process to meet individual preferences can reduce confusion, build trust, and turn a stressful situation into a positive experience. Small personal touches make a big impact.

Fast resolutions matter, but thoroughness and fairness can’t be overlooked. Smarter automation, process refinements, and strategic decision-making keep claims moving quickly without cutting corners or increasing errors.

Miscommunication can turn even the simplest claim into a frustrating ordeal. Keeping policyholders informed, setting expectations early, and using plain language ensures smoother interactions. Mastering these techniques helps create transparency and confidence in the process.