We just got a few clients with expensive interior. They have statues and paintings worth ten thousands of dollars each. We do have a 2 million General Liability Insurance but Voluntary Damage to Property of Others is just covered with $5,000 per occurrence.
If we - for example - break a glass statue that is worth a fortune, who had to pay for that? Do we have to have an insurance that covers this or is the homeowner required to have an insurance for such expensive things?
Thanks for any helpful tips.