Spanish term (edited): cl�usula de descabalamiento

Nikki, this is just a gut feeling, but it's partly based on the DRAE definition, below:

descabalar.

1. tr. Quitar o perder algunas de las partes o piezas precisas para construir algo completo o cabal. U. t. c. prnl.

and partly on this reference:

El descabalamiento de colecciones, juegos y equipos
http://www.segurvivienda.com/seguros/analisis/mapfre/mapfre_... - this is something that was NOT included in coverage

The "collections" part of it seemed to fit works of art, as well as the DRAE definition, so I started looking a little and found this:

Fine Arts Risk Management, Inc. provides collections coverage to a wide range of museums, including several of the largest, most renowned institutions in the world as well as smaller, privately owned ones. We bring an exceptional level of expertise to insure permanent collections, loaned collections and traveling exhibitions to all of these museums....

Customized Collections Coverage — Our insurance programs can be customized to include:

Broad “all risks” of physical loss or damage, wall-to-wall worldwide coverage, including coverage for acts of employee infidelity, mysterious disappearance and breakage
Blanket limits for permanent and loaned collections as well as traveling exhibitions
http://www.nnng.com/entities/nnib/areas/farm/museums
..

There is a lot more info. available at the page below (here is just a small part).

Insurance on collections differs in several respects from property insurance for other standard commercial enterprises. Large values of collections often represent hundreds of millions of dollars at risk in a single building or set of buildings housing an art collection. In addition, values as high as $25 million to $50 million could be in transit in a single truck or aircraft traveling on exhibition or to other museum sites. Exposures at exhibits off-premises may be less secure than those at the museum itself and a whole new set of exposures are faced when art works are in the air or on the seas.

Because of the difficulty in assessing the total value of a museum's collection, due to changing values and acquiring new pieces permanently or on loan, most museums cannot keep up with the actual total value of their collections. For this reason collections are usually insured on a no coinsurance basis.

Collection policies usually insure each object on the basis of its "fair market value" at the time of the loss. Conventional policies insure on the basis of actual cash value (replacement cost less depreciation) or replacement cost, if a certain percentage to value is written. Museum collections are written on a blanket basis due to the difficulty of agreeing upon the value of an object ahead of time.
http://www.roughnotes.com/rnmag/sept/septart6.htm

Anyway, just a thought. Good luck!