Cultural institutions

Cultural institutions face unique exposures that require special insurance needs. Our specialized Hanover Cultural Institutions Advantage offers comprehensive solutions at competitive rates.

Hanover Cultural Institutions Advantage targets smaller cultural institutions whose total insurance value, including collections, is less than $50 million. Our appetite for cultural institutions varies by state, size of risk and line of business. Please contact your local underwriter to discuss specific opportunities. The appetite below outlines examples of the various institutions we target.

 

Art galleries and museums

Art galleries and museums

  • Art museums
  • Children's museums
  • Historical sites, buildings and societies
  • History museums
  • Maritime and military museums
  • Nonprofit art galleries
  • Photography museums
  • Science and technology museums
  • Sports museums
  • Transportation museums

Performing arts

Performing arts

  • Choral groups, such as madrigals or barbershop quartets
  • Classical musical ensembles and symphonies
  • Dance troupes, such as ballet
  • Theaters (not motion picture)
  • Theatrical companies

Arboreta and botanical gardens

  • Botanical gardens
  • Horticultural societies



     

    Libraries

    • Business and corporate libraries
    • Public and private libraries
    • Research and law libraries


       

     

    Not in appetite

    • Aquariums
    • Aviaries
    • Conservation districts and nature parks
    • Dinner theaters
    • For-profit art galleries
    • Large concerts or festivals
    • Workers' compensation
    • Zoos or zoological gardens

    Visit the SmallComm Solutions portal for detailed appetite information for small commercial cultural institutions.

    Property and general liability

    Property

    • Selection of base property broadening endorsements that add or enhance more than 65 coverages
    • Add the cultural institutions property broadening endorsement below to a base property endorsement to further tailor industry-specific coverage.

    Cultural institutions property broadening endorsement 411-0811

    Coverage Limits Coverage Limits

    Automated external defibrillators

    $10,000

    Realty tax assessment

    $50,000

    Broadened business personal property

    Included

    Research expense for fine arts

    $25,000

    Business income and extra expense — fundraising event

    $50,000

    Spoilage — on premises
    Spoilage — in transit

    $50,000
    $10,000

    Paved surfaces

    $50,000

     

     

     

    General liability 

    Additional coverage options

    • Historical building valuation clause
    • Fine arts coverage
    • Sexual misconduct and sexual molestation coverage
    • Emergency event management coverage
    • Automobile
    • Umbrella
    • International

     

    Professional and executive lines

    Professional and executive lines

    Marine

    Marine

    Surety

    Surety

    Hanover Cultural Institutions Advantage protects against the unique risks faced by cultural institutions. Unlock the Hanover advantage.

     

    Risk management services

    We assist customers in fire prevention in display buildings and art restoration areas, food safety in cafeterias, slip and fall prevention, security assessments relating to transportation, packing and unpacking, and we provide e-learning courses on abuse prevention and response strategies.

    Learn more

     

    Competitive products

    Our innovative and comprehensive product suite provides options designed to fit current and future needs, including:

    • Account-focused solutions
    • Industry-specific broadening endorsements
    • Three coverage options for errors and omissions

     

    Dedicated claims team

    Our claims teams have years of industry expertise and experience handling the unique types of claims cultural institutions can face. We employ experts in the fields of water mitigation, subrogation, risk transfer, litigation management, nurse and legal analysis, accounting, and SIU.

     

     

    Significant experience

    We have expert, local underwriting resources with national product claims and loss control services, all supported by regional experts.

     

    Risk Solutions partnership

    We provide criminal background checks online as well as employment screening services, testing and inspection of alarm systems and 24/7 monitoring.

    Learn more

     

    Trusted partner

    We offer the support and financial strength of an "A"-rated leading insurance carrier.

     

    Appetite

    Hanover Cultural Institutions Advantage targets smaller cultural institutions whose total insurance value, including collections, is less than $50 million. Our appetite for cultural institutions varies by state, size of risk and line of business. Please contact your local underwriter to discuss specific opportunities. The appetite below outlines examples of the various institutions we target.

     

    Arboreta and botanical gardens

    • Botanical gardens
    • Horticultural societies



       

      Libraries

      • Business and corporate libraries
      • Public and private libraries
      • Research and law libraries


         

       

      Not in appetite

      • Aquariums
      • Aviaries
      • Conservation districts and nature parks
      • Dinner theaters
      • For-profit art galleries
      • Large concerts or festivals
      • Workers' compensation
      • Zoos or zoological gardens

      Visit the SmallComm Solutions portal for detailed appetite information for small commercial cultural institutions.

      Industry resources

       

      Cultural institutions coverage scenarios

      See a comprehensive breakdown on how The Hanover provides solutions to various industry scenarios.

      Download now

      Resources for your customers

      Our Risk Solutions program includes onsite and remote assessments, on-demand learning, self-service tools and custom action plans that address the complex demands and issues facing cultural institutions.

      Applicant screening - on-line course

      Setting the stage for an abuse-free organization

      Emergency event management

      See all of our Risk Solutions resources for cultural instituions

       

      Customer tools

      Claims reporting

      My Hanover Policy

       

       

      Let's start a conversation today

      Contact a member of our team to learn more about our coverage and services, and how we can help you tailor a solution for you and your clients.

      Property and casualty

      Anna Stephanos
      Assistant Vice President, Industry Solutions
      770-353-6043
      astephanos@hanover.com

       

      Marine and industrial property

      Chris Zaneski
      Vice President, Distribution Management
      240-638-5706
      czaneski@hanover.com

      Professional and executive lines

      Jon Martin
      Vice President, Distribution Management
      269-240-8118
      jonmartin@hanover.com