Risks Excluded from Fine Arts Insurance

The following conditions are not covered by the Fine Arts insurance:

  • Wear and tear, gradual deterioration, moths, vermin, inherent vice, loss or damage sustained due to any repair, restoration or retouch process
  • War
  • Shipments by mail, unless by registered first class mail or parcel post (Shipments by parcel post shall not exceed $1,000 in value)
  • Loss or damage to property shipped under "on deck" Bills of Lading
  • Radioactive or nuclear contamination
  • Chemical, nuclear, biological, biochemical, electromagnetic weapons and cyber attack
  • Terrorism