Sharks Teeth Considered Fine Arts

I am handling a burglary claim where our insured is claiming over $300,000 in stolen sharks teeth. He has a Jimmy Buffet-themed restaurant and states the sharks teeth were part of the décor and were also merchandise for sale. He has $25,000 coverage at each described premise for Fine Arts, which are defined as “paintings, etchings, pictures, tapestries, art glass windows, valuable rugs, statuary, marbles bronzes, antique silver, manuscripts, porcelains, rare glass, bric-a-brac, and similar property of rarity, historic value or artistic merit.”

Since these sharks teeth are fossils and some of them are extremely valuable, could they be considered “Fine Arts”?

South Carolina Subscriber

The sharks teeth could fit into the definition of fine arts that you provided as bric-a-brac, which is defined as a collection of small items of decorative value.

 

 

 

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