Disclaimer: The following information does not list all coverages, limits or exclusions. For full coverages, limits, and exclusions please contact the Office of Risk Management.

The University of Tennessee procures Fine Arts coverage under the State of Tennessee’s Insurance Broker.  This policy provides wall-to-wall coverage, with no deductible (except for flood and earthquake – $10,000 per occurrence). Incoming loans require fully executed loan agreements with an agreed appraised value for each object on loan. For loaned objects valued at $50,000 or more, a written appraisal and photograph are required. An appraisal by a qualified State Curator is acceptable.