About Us

Our core aim is to offer insurance solutions to small to medium size clients struggling to find economically viable options within the conventional fine art and specie market.

We are here to help you whether it be due to: Geography, Client profile, Risk type, Risk size, Minimum premium or Duration.

Asset protection is at the heart of what we do. Whether your client has inherited a valuable jewellery collection or is securing gold doré on a remote mine site; we work closely with security consultants to ensure the asset is safe.

We appreciate accidents happen and are backed by recognised market leaders in this class. When the unfortunate happens, expert loss adjusters and/or restoration experts will be appointed to ensure claims are handled swiftly with the most effective outcome.

All products are covered on an ‘All risk of physical loss or physical damage basis’ subject to policy terms and conditions.

Specific coverages such as internal theft, out of safe/vault cover and natural catastrophes such as earthquake, wind, flood and wildfire can be written back on a case-by-case basis.

Meet Joshila

Joshila Sharma has an insurance career spanning nearly 25 years in the Fine Art and Specie market, underwriting for both Lloyd’s Syndicates and Company Markets.

Graduating from the University of Plymouth with a BSc (Hons.) Maritime Business & Law and a HND in Marine Operations.

Joshila commenced her career in 1998 as a Trainee Average Adjuster. Transitioning to a specie underwriting in 1999 for Lloyd’s Syndicate CR Hill (Syndicate 002).

She has since held lead positions with several high-profile insurance carriers, most recently Everest until 2023, where she started up fine and specie as a new line of business and was Global Head for this product..

Joshila has travelled extensively presenting at insurance events in Brazil, Jordan, Uzbekistan, Kazakhstan, Colombia and the Czech Republic.

Company market representative for the Joint Specie Committee (Zurich) Joint Specie Cash in Transit Working Party (Everest)

Facet Underwriting

Facet Underwriting was established in 2006 to provide good service and value to clients whose size makes them unattractive to the larger underwriters.

All of Facet’s underwriting is carried out by its underwriters, who have an average of 30 years experience in the London market. They share a deep interest in the art, specie and jewellery they insure, and a proper understanding of the risks and hazards associated with insuring this class of business.