How Moving and Handling Impact Artwork Value and Insurance Coverage

Artwork isn’t just fragile—it’s financially and historically significant. When fine art is moved, even the most minor mishandling can result in damage that permanently reduces value. That’s why proper handling is essential, not only for preservation but also to ensure full insurance coverage remains intact.

Collectors, estate managers, and galleries often underestimate the risks involved in moving artwork. Cracking, flaking, punctures, and warping can occur due to vibration, pressure, or environmental exposure during transport. These issues aren’t always visible right away but can lead to major restoration costs or insurance disputes down the line.

We assist clients by documenting condition before and after any move, creating a photographic and written record that satisfies both insurers and conservators. This documentation becomes vital in the event of a claim, helping prove that damage occurred in transit rather than being preexisting.

Insurance policies for fine art typically have strict requirements for handling and transport. Artwork moved by unqualified individuals may be excluded from coverage, even if the damage is accidental. We advise clients on the safest way to relocate artwork—whether it’s within the home, to a new property, or for exhibition.

Proper packaging materials, climate-controlled transport, and trained personnel are not optional—they’re essential. We collaborate with trusted art handlers and shippers who specialize in museum-grade transportation, using archival materials and techniques that reduce risk at every step.

In addition to physical safety, accurate valuation plays a key role. If an artwork’s value has changed since the last appraisal, insurance limits may not reflect its current worth. We recommend updated appraisals prior to any major relocation, ensuring that insurance coverage matches the artwork’s market or replacement value.

Moving is often part of a larger transition—estate settlements, downsizing, or acquisitions. During these times, it’s easy for items to be overlooked or mishandled. We step in to make sure nothing valuable is moved without proper care or documentation.

Preserving the value of fine art doesn’t end with hanging it on the wall. Every move should be done with care, caution, and certified oversight to protect the artwork and the investment behind it.

Contact Manzi Appraisers & Restorers at 617-995-0022 or visit our Facebook page to learn how to protect your artwork during transit.

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