I'm an art collector also but I can't stand how the whole insurance thing works. If the shippers damage it slightly, you either have to accept it "as is" or hand it over to them and you are paid the insurance. Real collectors don't care about the insurance money, they want the art. In fairness, one should have the option to keep the art and be reimbursed for a percentage of the damage.
I collect mostly 1920's - 40's but some older pieces too.