Insurance
You write personal collections, or you carry the risk on them. Title makes the art and collectibles in your book fully known: what is really there, what it is worth on evidence, and where the exposure sits. We were built for this inside Lloyd's Lab.
- Associated with Lloyd's of London
- Trusted by insurance coverholders and managing general agents
- Working with a leading reinsurance broker and a Lloyd's syndicate
The trophies are documented. The exposure is everything else.
On a high-value book the famous pieces are appraised and easy to verify. They are a fraction of the items. The rest sits on owner-stated values, or values that were current years ago, and the same unchecked number flows from the policyholder to the carrier to the broker to the capacity behind them all (the capital that ultimately stands behind the policy).
Your whole book on one system of record. Your policyholders keep it current.
A coverholder writing personal collections keeps one spreadsheet per client, chases updates by email at renewal, and re-keys whatever comes back. The book is stale the day it is filed, and when your insurer asks how the value is distributed across it, there is no answer.
Title Steward gives you the book your capacity provider wishes you had, and your clients keep it current in two minutes a quarter.
Start with a conversation about your first cohort →- 01
Your clients keep their own schedule current
One email in your brand, two buttons. "No change" files a dated attestation. "I have changes" opens the pre-filled list on a phone, no login to remember. Your operations team receives the same Excel it receives today, plus a dated PDF. Nothing re-keyed. You no longer chase.
- 02
Your whole book, on a system of record
Every client in one roster: items, insured total, last confirmed, what changed. One record per client with the list, the documents, the valuations, and a history of every change, attributed. Edit on a client’s behalf while they are on the phone. See how insured value is distributed across the book, the view insurers ask you for. You no longer wonder what the book is worth.
- 03
The quarterly read, and a plan
Every quarter the book is scored item by item: what is substantiated, what is stale, where the gaps sit on the high-value items. Each gap gets an action, and the appraisals are sourced on our rails. Evidence you can put in front of your capacity provider. You no longer defend a number nobody checked.
Make the art in the book a risk you can price, carve out, and cede.
Carve out means insuring the art on its own terms. Cede means passing part of that risk to a reinsurer. Neither is possible while the exposure sits on numbers nobody has checked.
What we bring to the room is the read on a book. Substantiation, staleness, concentration, and value at risk, scored item by item against your own thresholds. Then the action plan: items tiered by urgency, each routed to a valuation track or a data track. Presented in person to the underwriter.
A conversation first, then one book →- 01
Primary carriers on high-value home
Price the collection at its real value and its real risk.
- 02
Reinsurance brokers and syndicates
A ceded book legible enough to carry.
Proprietary rails for sourcing appraisals, and a diagnostic that runs in your environment. A cost designed to pass through to the policyholder.
Why our valuations are different.
Items flagged in the quarterly read get a valuation sourced on our rails, not a top-up on a declared number.
How valuation works →- Due diligence on every appraiser before you hear their name. Ten points, recorded with who reviewed them and when.
- The right specialist for the piece, not a generalist for the collection.
- The work briefed, coordinated, chased, and reviewed against the standard it must meet, by our team, before it reaches you.