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An artist looking for a dramatic subject for a painting might want to consider depicting this: an insurer’s struggle getting people to buy coverage for their multimillion-dollar collections.

Here’s an image with which to start: When Mary Sheridan, assistant fine arts manager for Chubb, talks about getting some art enthusiasts to insure their collections, she says she does a “lot of beating my head against the wall.”

“You come up against the same thing: ‘I’ve had my collection for 30 years, and nothing has happened to it,’” she laments. 

But mishaps do happen, and not infrequently considering how fragile art often is—a slender sculpture, delicate installation or a painting on canvas that is entirely too susceptible to water damage or an errant elbow.

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