So, you accidentally damaged an irreplaceable item, and your customers say it’s worth $2000 and they have documentation to prove it. What will you do? What happens if you poke a hole in that $25,000 oil painting, or tear that $100,000 watercolor, or damage that $3000 antique sampler? Are you insured against accidental damage of work to be framed, damaged by you? Are you insured for the work that is in your possession from flood, fire, and theft? These are two very different insurances.