What type of insurance coverage addresses transit of artworks between locations?

• A. Transit coverage provides protection during movement between locations.
• B. Transit coverage is irrelevant to insurance needs.
• C. Transit coverage replaces all other insurance.
• D. Transit coverage only applies to international shipments.

Answer: (C)

Transit protection covers the risk to artworks while they are being moved from one place to another. Its main purpose is to protect the object during transport—whether shipping between galleries, museums, storage facilities, or exhibition venues. This coverage is usually an endorsement or rider added to a broader fine arts policy, so it complements the existing protections rather than replacing them.

It does not replace all other insurance. A comprehensive art policy typically covers the artwork in storage, on display, and in other non-transit situations, as well as different types of loss or damage that transit-specific coverage might not address. Transit coverage may also have its own exclusions and limits, and some terms can apply differently to domestic versus international moves, depending on the policy.