BCAH has qualified art appraisers on its team as well as schemes to offer insurance cover for art collections. Since each work of art is unique and original, it is universally accepted as irreplaceable and needs to insured separately from home insurance or commercial building insurance as these schemes are not designed to cover art and special items. Art, antiques and other valuables need to be insured with fine art insurers, on the basis of a recent appraisal. The appraisal must be done by a qualified person and the owner can insure each work either at the appraised value or a bit lower, but not a higher value.