What are the challenges of insuring high-value stone sculptures outdoors?

Insuring high-value stone sculptures placed outdoors presents unique challenges due to their exposure to natural elements and human activities. Weather conditions like rain, frost, and extreme temperatures can cause erosion, cracking, or discoloration over time, increasing the risk of damage. Theft and vandalism are also significant concerns, as outdoor sculptures are more accessible to unauthorized individuals. Additionally, maintenance costs and the difficulty of assessing long-term wear complicate insurance valuations. Insurers often require specialized policies with higher premiums to cover these risks, making it essential for owners to implement robust protective measures and regular inspections to mitigate potential losses. Understanding these challenges helps in securing comprehensive coverage for valuable outdoor art.