Cultural institutions
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 |
$50,000 |
|
Paved surfaces |
$50,000 |
|
|
General liability
- Suite of general liability broadening coverage that add or enhance over 20 coverages
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
- Cyber
- Directors and officers liability
- Employment practices liability
- Fidelity and crime
- Fiduciary liability
- Miscellaneous professional liability (curators errors and omissions)
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.
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.
Trusted partner
We offer the support and financial strength of an "A"-rated leading insurance carrier.
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
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
See all of our Risk Solutions resources for cultural instituions
Customer tools
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
Greg Ketay
Vice President, Distribution Management
630-760-3045
gketay@hanover.com