{"id":269496,"date":"2025-06-03T00:12:03","date_gmt":"2025-06-03T00:12:03","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/insurance\/saving-a-unique-sculpture-from-being-binned-off\/"},"modified":"2025-06-03T00:12:03","modified_gmt":"2025-06-03T00:12:03","slug":"saving-a-unique-sculpture-from-being-binned-off","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=269496","title":{"rendered":"Saving a Unique Sculpture from being \u201cbinned off\u201d"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p><span style=\"font-weight: 400;\"><img fetchpriority=\"high\" decoding=\"async\" class=\"wp-image-400 alignright\" src=\"http:\/\/loveartinsurance.co.uk\/wp-content\/uploads\/2020\/12\/woman-1283009_640-1-300x200.jpg\" alt=\"Saving a Unique Sculpture\" width=\"420\" height=\"280\" srcset=\"https:\/\/loveartinsurance.co.uk\/wp-content\/uploads\/2020\/12\/woman-1283009_640-1-300x200.jpg 300w, https:\/\/loveartinsurance.co.uk\/wp-content\/uploads\/2020\/12\/woman-1283009_640-1.jpg 640w\" sizes=\"(max-width: 420px) 100vw, 420px\"\/><\/span><\/p>\n<p><span style=\"font-weight: 400;\">As specialist art insurers, most of our frustrations stem from those who create, curate, house, trade and display valuable works of art thinking unfortunate events won\u2019t happen to them.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\">In fairness, our very purpose as the insurance provider is that we leave nothing unaccounted for, and work to keep our clients safeguarded against every possible eventuality.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\">This means our policies have to cover some unlikely and extreme circumstances, ranging from robbery to terrorism.<\/span><\/p>\n<p><b style=\"color: #1a1a1a; font-family: 'Playfair Display', serif; font-size: 1.4rem; letter-spacing: 0px;\">\u201cBut what are the chances it will happen to me?\u201d<\/b><\/p>\n<p><span style=\"font-weight: 400;\">When only extreme and worst case scenario situations are mentioned in conversations around insurance, it can lead people to ask that dangerous question: <\/span><i><span style=\"font-weight: 400;\">\u201cwhat are the chances that will happen to me?\u201d <\/span><\/i><i><span style=\"font-weight: 400;\"><br \/><\/span><\/i><i><span style=\"font-weight: 400;\"><br \/><\/span><\/i><span style=\"font-weight: 400;\">And when budgets are tight, insurance can end up neglected and swept under the rug.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">That\u2019s why we thought we\u2019d share this claims story with you. <\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\">This incident involving one of our clients was not only caused by an incredibly easy mistake to make, but it could have led to the loss of a highly valuable work of art.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\">Thankfully, they were insured with us, and they had the cover policy needed to help turn the situation around.<\/span><\/p>\n<h5><b>The incident: how it happened<\/b><\/h5>\n<p><span style=\"font-weight: 400;\">One of our clients was having their work displayed at an art fair in a gallery in London.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The work in question was a sculpture: three intricately made, slightly bent-looking porcelain cans.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">After the fair had finished and all the attendees had packed up and headed home, a member of the gallery\u2019s cleaning staff began doing their rounds.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\">All the art from the fair was still on display and in the same position as it had been during the day, ready for another exhibit later on that same week.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Upon seeing our client\u2019s sculpture \u2013 the three porcelain cans \u2013 the cleaner mistook them for some rubbish in need of clearing away, and promptly swept them into the bin.<\/span><\/p>\n<h5><b>How Brownhill had it covered<\/b><\/h5>\n<p><span style=\"font-weight: 400;\">Thankfully, our client had taken out a specialist art policy with us at Brownhill.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\">This meant that despite their sculpture being away from the site of their business, it was sufficiently covered for art fairs and exhibitions against such things as theft, damage, and loss.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The cans were recovered, but were slightly damaged, with some chips and imperfections found in the porcelain work after being retreived. <\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\">Insurers subsequently paid a total loss claim, meaning our client received around \u00a35000 to cover the cost of damages and restoration.<\/span><\/p>\n<h5><b>Final conclusions<\/b><\/h5>\n<p><span style=\"font-weight: 400;\">We hope this story shows you that insurance claims don\u2019t always come in the form of freak accidents or highly unlikley circumstances.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Sometimes they come from split-second decisions, and very understandable (but equally very costly) errors.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It also goes to show the importance of having the <\/span><i><span style=\"font-weight: 400;\">right cover<\/span><\/i><span style=\"font-weight: 400;\">, to maintain the protection of your insurance policy even when your works are away from your gallery \u2013 at a fair, exhibition or some other form of event.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\">You can learn about the right insurance for art fairs in exhibitions in one of our previous blogs.\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0<\/span><\/p>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>As specialist art insurers, most of our frustrations stem from those who create, curate, house, trade and display valuable works of art thinking unfortunate events won\u2019t happen to them.In fairness, our very purpose as the insurance provider is that we leave nothing unaccounted for, and work to keep our clients safeguarded against every possible eventuality.This [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":269497,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[94],"tags":[96099,5050,3325,1591],"dealstore":[],"offerexpiration":[],"class_list":["post-269496","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","tag-binned","tag-saving","tag-sculpture","tag-unique"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Saving a Unique Sculpture from being \u201cbinned off\u201d - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=269496\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta 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