What are the insurance considerations for high-value composite material sculptures?

High-value composite material sculptures require specialized insurance coverage due to their unique construction and artistic significance. Key considerations include:

1. Appraisal & Valuation – Obtain a professional appraisal to determine accurate replacement costs, factoring in materials, craftsmanship, and artistic value.

2. Specialized Coverage – Standard policies may not suffice; opt for fine art insurance that covers damage, theft, and restoration.

3. Material Risks – Composite materials (e.g., resin, fiberglass) may degrade or react to environmental factors—ensure coverage includes material-specific risks.

4. Transport & Display – Verify if transit and exhibition risks are included, especially for loans or gallery displays.

5. Restoration Clauses – Confirm whether the policy covers expert restoration to preserve the sculpture’s integrity.

Consult an art insurance specialist to tailor coverage for your high-value sculpture’s needs.