An artist looking for a dramatic subject for a painting might want to consider depicting this: an insurer's struggle getting people to buy coverage for their multimillion-dollar collections.

Here's an image with which to start: When Mary Sheridan, assistant fine arts manager for Chubb, talks about getting some art enthusiasts to insure their collections, she says she does a "lot of beating my head against the wall."

"You come up against the same thing: 'I've had my collection for 30 years, and nothing has happened to it,'" she laments. 

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