Claims for Damaged Work: Artist Checklist

Unfortunately, despite everyone’s best efforts, artworks are occasionally damaged or destroyed during shipping or an exhibition.  Artists are then confronted with the process of making an insurance claim for damaged work.  Who processes the claim depends on who bought the insurance and when the damage occurred.

Claims for Damaged Work: Artist Checklist itemizes a list of tasks that should be followed to make a successful claim for damaged work. The tasks are listed chronologically.  Remember that the insurer will always look for reasons to deny or approve your claim - your verbal statement is not enough.  You must prove your case with as much evidence as possible or your claim may be denied.

As an artist, if you are sending museum quality, one-of-a-kind work from your studio, you should make a Condition Report before it leaves your studio that lists the slightest irregularity or blemish.  Keep one copy for your records.  Send a copy with the work. This condition report should travel with the work for a traveling exhibition and will help tremendously to document any damage to work. This can be a very valuable asset to make an effective claim for damages.

Learn more about how to make a Claim for Damaged Work with this document.