The Dos and Don’ts of Art Protection

By Janet Fries and Katherine Howard-Fudge

DO: 

  • Take preventative steps 
  • Stay up to date on natural disasters and monitor risks in your area, such as hurricanes, floods and fires 
  • Create an inventory of your artworks
  • Keep high resolution images of your art
  • Create emergency plans in advance of natural disasters
  • Follow your insurance provider’s storage and protection requirements
  • Invest in the proper glass, frames and/or pedestals for your artworks
  • Invest in blinds, shades, and/or other window coverings
  • Establish and maintain contacts at art storage and shipping facilities 
  • Obtain appraisals from certified appraisers
  • Update your insurance policy periodically with the most recent valuations 
  • Elevate stored artwork to prevent water damage
  • Monitor temperature and humidity levels 
  • Have custom crates for your more valuable, fragile and/or uniquely shaped pieces 
  • Consult with specialists 
  • Obtain fine art insurance (rather than adding a schedule to your homeowner’s coverage) if your collection is valuable and/or extensive

DON’T 

  • Wait until an emergency strikes 
  • Store all art the same way in the same place
  • Keep inventories and images in the same location as the art
  • Transport your art without proper crating or other packaging and insurance 
  • Assume your location is risk-free 
  • Assume home insurance policies are sufficient for your collection 
  • Store your art on the ground level or below ground
  • Rely solely on consignment agreements for ownership
  • Skip regular appraisals 
  • Assume all damage is covered by your insurance
  • Assume all inherent vice is protected under a fine art insurance policy