Which approach best ensures adequate insurance across multiple locations?

• A. Schedule-based or blanket coverage with current appraisals and transit coverage.
• B. Insurance coverage is unnecessary for art collections.
• C. Only the primary location needs coverage.
• D. Insurance during transit is irrelevant to total coverage.

Answer: (C)

Protecting an art collection across multiple locations requires coverage that travels with the works and reflects their current value. A schedule-based or blanket policy tied to up-to-date appraisals ensures limits match what the collection is worth at every site, so each location is protected. Adding transit coverage fills the gaps that occur when works move between sites or are loaned, safeguarding them during shipments as well as while on display. This combination prevents blind spots that happen if only one location is insured or if movements aren’t covered.