On May 8, National Palace Museum thefts, Hong Kong Museum of two reservoirs in the zhaigong temporary exhibit 7 exhibits stolen, missing exhibits Western style makeup boxes of gold and silver inlaid precious stones, estimated worth tens of millions of Yuan. At present criminal suspects have been arrested, some collections were recovered, police still doing further investigations. Two Hong Kong according to the Tibet Museum curator Wang Xiahong, out of trust for Museum security, Hong Kong has to insure the 7 exhibits only a token $ 310,000, far out of their real value.
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$ 310,000 symbolic insured, highlighting the lack of art insurance. Hong Kong Museum of two reservoirs will cause comes down to “ out of trust &rdquo for Museum security;, ironically. While continuously heating collection exhibition in recent years, acts such as auction exhibition are exposed in insurance, is also a fact.
A leading auction house told journalists in China, some secretly lovers on collectibles or take product safety very seriously, in addition to equipped with the most advanced security device, often for its collection of employment “ bodyguard &rdquo. However, for works of art to buy insurance, in only a few accepted and approved.
In addition to personal reasons, the person is admitted to reporters, it is not clear whether there is a special risk insurance products to cover the art of loss.
According to understanding, currently on art, and collections main has following several insurance species can dispersed risk: a is freight insurance, bearing insurance art in transport en route by encountered of lightning, and hail, and storm, and flood, and rock collapse, and debris flow, natural disasters, transport tools occurs accident, and robbery, and packaging rupture, and handling negligence caused art broken, and damage, directly loss and indirect loss; second is property insurance, bearing insurance art in fixed places during due to case various natural disasters, and accident accident, and theft, occurs of loss; three is third party responsibility insurance, bearing insurance policyholders in collection, and exhibition, and transport, and handling art, activities in the, because negligence, and fault or accident, behavior on others (third party) caused personal casualties or property damage, law should bear of economic compensation responsibility.
Journalists believe that lack of art insurance, on the one hand and the Tibetan home insurance awareness is not strong, exhibition-related, on the other hand and the absence of the insurance itself relevant. Protection of China's only casualty, Pacific (601,099, market information, the major trading) property insurance insurance products of a few companies are involved, such as works of art.
Beijing technology and business University, Department of insurance director Wang Xujin said to reporters, currently on the market, insurance companies reluctant to large-scale insurance undertaking works of art project, because: first, the underlying data is missing, loss rates cannot be calculated. Loss ratio determines the scale of premiums, which directly relates to the operational stability of the insurance company. Secondly, security measures are perfect the important factor was also considered for the insurance, such as the 2009 Taiwan international jewellery show 6 Carat nude drill was easily switch, this sense of security and safety so that insurance companies are worried about. Third, the low insurance rates in the past, made in accordance with the law of large numbers of running orders by insurance can't easily.
However, many insurance companies have been in the works of art insurance market first. As of April 2010, Pacific insurance as Chen Yifei exhibition organized by the Shanghai Art Museum over more than 60 works provided the total amount more than 600 million yuan of insurance, art insurance has made a good attempt. Since then, the reference “ insurance clauses &rdquo of Expo 2010 Shanghai China exhibits and works of art;, combining the characteristics of security Expo, Pacific property insurance for the World Expo provides insurance protection.
Arts and cultural industries also recently had a breakthrough on the insurance policy. On December 29, 2010, insurance regulatory Commission and Ministry joint publishing has on insurance support culture industry development about work of notification under (following short notification under), notification under determine has 3 home pilot company and first batch 11 a pilot insurance species, pilot insurance species including: performing arts activities property insurance, and performing arts activities public responsibility insurance, and performing arts activities cancel insurance, and art comprehensive insurance, and culture enterprise credit guarantee insurance, and animation game enterprise key personnel cannot employees insurance,, pilot operating period for two years.
As a pilot, one of the protection of property, stakeholders said in an interview with reporters, receiving the notification, since the Insurance Corporation immediately demands branch attached great importance to cultural industry development opportunities, actively declared the culture industry insurance pilot region. According to the branch applications and team-building,Conditions such as market potential, regional policy, the company decided to approve the Beijing, Tianjin, Shanghai, and Shenzhen, Xiamen, Fujian, Hunan, Jiangsu, Heilongjiang 9 branches to become culture pilot branch, develop work plans, exploration in regional cultural breakthroughs on the insurance market.
At the same time, protection of property casualty actuarial/product development department-led, in conjunction with the Ministry of property insurance, the Department of marine transportation Department of insurance, credit insurance, accident and health insurance, online sales center, information technology Department and other departments to establish a culture industry insurance joint working group, targeted development for cultural businesses risk characteristics of special insurance products. In a relatively short period of time to concentrate, repeatedly argument, developed the cultural activities of public security comprehensive insurance, comprehensive insurance, property insurance performing arts activities, art Arts public liability insurance, entertainers animation game enterprise key personnel in accident and health insurance, accident and health insurance 6 cultural insurance products, and the market.
The person briefed reporters, cultural activities special insurance products with coverage targeted, flexible insurance characteristics of strain, more subject specific risk requirement applies to cultural activities, on the rate conditions risk dividing more clearly based on the cultural industry itself, the rate level closer to the market. Where public security comprehensive insurance for cultural activities and works of art is one of the first private insurance comprehensive insurance products, cultural activities, the innovative collection and transport of the complete, works of art provide comprehensive protection and a flexible choice of the insured and single of the year, effectively adapt to the culture of enterprise's specific needs.
