There is a specific moment of anxiety every artist faces at the shipping counter. You have just handed over a painting you spent weeks perfecting. The clerk measures the box, types in the destination, and then asks the inevitable question:
“Would you like to purchase additional insurance for this?”
Instinctively, you want to say yes. You want that peace of mind. You want to know that if the truck falls off a cliff or a forklift driver has a bad day, you will be made whole. So, you pay the extra $20, $30, or $50 premium and walk away feeling protected.
But are you?
For many artists, purchasing declared value coverage from a standard carrier (like UPS or FedEx) is essentially throwing money away. If you read the fine print, you will discover that the “protection” you bought is often an illusion, and there is a much more financially sound way to protect your business.
The Carrier Insurance Reality
The first hard truth is that major carriers are not insurance companies; they are logistics companies. What they sell at the counter is “declared value” liability, and for artwork, it comes with significant strings attached.
1. The Caps are Low Carriers often have strict limits on “items of extraordinary value,” a category that includes original artwork. For example, FedEx generally limits their liability for artwork to $1,000. Even if you declare the value at $5,000 and pay the premium for that amount, if the piece is lost or destroyed, they may point to their tariff guide and cut you a check for only $1,000.
2. The “Insufficient Packaging” Clause This is the most common reason claims are denied. If your artwork arrives damaged, the carrier will send an adjuster to inspect the box. If they find that you did not follow their packaging guidelines to the letter—for instance, if you used one inch of bubble wrap instead of two, or if the box didn’t have a specific crush test rating—they can deny the claim entirely. They will argue that the damage was due to your packing, not their handling.
In my experience, even when you do everything right, the administrative burden of fighting for a claim is often more trouble than the payout is worth.
The “Fragile” Sticker Myth
While we are discussing illusions of safety, let’s talk about the bright red “Fragile” stickers.
We all use them. I use them. My clients like to see them on the box because it shows we care. However, you should never rely on a sticker to protect your art.
There is anecdotal evidence to suggest these stickers might actually backfire. For example, Popular Mechanics famously conducted an experiment years ago where they shipped identical packages with various carriers to test their durability. They reported that the package explicitly marked “Fragile” actually received more abuse and rougher handling than the unmarked boxes.
Whether this is due to automated sorting machinery or human psychology is up for debate, but the lesson is clear: A sticker is not a shield.
Assume your box will be dropped, slid, and stacked under heavier boxes. Your safety comes from the quality of your internal packaging (double-boxing, corner protection, and proper suspension), not the label on the outside.
The Smart Alternative: Self-Insurance
If you can’t rely on the carrier, what should you do? For the vast majority of shipments, the best strategy is self-insurance.
Let’s look at the math.
Imagine you ship 50 paintings a year. At the shipping counter, you might pay an average of $25 per package for insurance. That is an annual expense of $1,250.
Now, ask yourself: How often does your work actually get damaged? If you are packing correctly, it should be extremely rare. Maybe once every two or three years, a piece of glass breaks or a frame gets dinged.
If you have a damage incident that costs $300 to fix, but you spent $3,750 on insurance premiums over the last three years to “protect” against it, you have lost over $3,000.
The Strategy: Instead of giving that $25 to the shipping company, pay it to yourself. Open a savings account or a designated “repair fund” for your studio. Every time you ship a painting, transfer that $25 into the fund.
When—and if—damage occurs, you pay for the repair or the refund directly from that fund. Over the course of a career, you will likely find that the fund grows significantly larger than the costs of the occasional mishap. You keep the profit, rather than the shipping company.
When You Do Need Third-Party Coverage
Of course, there are exceptions. If you are shipping a museum-quality masterpiece worth $25,000, self-insurance is too risky. You don’t want to be on the hook for that loss.
In these cases, do not rely on the carrier’s counter insurance. Instead, look into a Business Owner’s Policy or an Inland Marine rider. These are policies provided by actual insurance companies that cover your property while it is in transit.
These policies are generally much more comprehensive, have higher limits, and the claims adjusters are used to dealing with high-value goods. If you are shipping high-value work regularly, this is a necessary business expense.
The Bottom Line
Ultimately, the best insurance policy is not a piece of paper; it is a well-packed box.
Invest your time and money into high-quality foam, strong double-walled boxes, and meticulous packing techniques. If you pack your work as if it’s going to be thrown off the back of a truck, you likely won’t ever need to file a claim in the first place.
What is your philosophy on shipping insurance? Have you successfully used a “self-insurance” fund, or do you have a horror story about a denied claim? Let’s hear about it in the comments below.