Fine Arts Logistics Thought They Were Fully Insured... The Policy Exclusion Proved Otherwise.
Most Inland Marine Insurance policyholders never realize how specific policy language can affect their policies — until they learn how it can affect a claim. My Policy Advocate™ helps you understand your coverage before you need it.
Fine Arts Logistics’ Maintenance Failure*
Fine Arts Logistics, specializing in high-value art transport, suffered a $1.2 million loss when a climate control system failed during transit. The insurer denied the claim for lack of proof of the timely, monthly maintenance inspections required under their policy terms.
Potential Denial (The Exclusion):
Failure to maintain and document preventive maintenance often voids expensive inland marine coverage, especially for climate-controlled or specialized equipment.
Risk Identified by My Policy Advocate:
Maintenance and inspection preconditions.
Policy Language:
“Coverage excludes loss caused by environmental conditions unless the Insured submits documentation of monthly maintenance.”
Discovery by Clara, our Ai Assistant:
Clara highlights any required maintenance and inspection logs, which function as a condition precedent to coverage.
Questions to Ask Your Agent:
- What are acceptable proof formats?
- Do insurance auditors accept electronic logs or require physical signatures?
* This scenario described is fictious and is solely for illustrative or educational purposes so the insured has the opportunity to discuss these issues with their licensed insurance producer.
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