Specialized Insurance for Cultural Institutions

Beyond traditional slips and falls, today’s cultural institutions face risks from accusations of abuse and molestation, event emergencies, employee theft, and much more. Our specialized Cultural Institutions Advantage insurance solution offers top-rated coverage at very competitive rates. We offer insurance for a wide variety of cultural institutions:

  • Museums—including History, Art, Children’s Science & Technology, Transportation and others
  • Libraries—including Public, Private, Law, Corporate, Research and others
  • Historical societies, buildings, sites
  • Botanical gardens and arboreta

More value for cultural institutions

In addition to the core policy, our underwriting, claims, and risk management professionals have many years of experience in providing service for cultural institutions. We offer comprehensive solutions that are cost-effective and convenient. Our program offers expanded coverage options, including Property, Curator’s Errors & Omissions, Employment Practices, Abuse & Molestation, and more. Policyholders also benefit from Risk Solutions consultation services, including fire prevention, food safety in cafeterias, slip and fall prevention, and security assessments relating to transportation, packing, and unpacking.

We help tailor your policy to meet your needs, and even offer convenient, automated premium payments to fit your budget.

End-to-end solutions for museums, libraries, and botanical gardens

We offer cultural institutions a complete suite of products to help protect their property, autos, employees, and customers:

  • Commercial Package Policy
  • Commercial Property
  • Commercial General Liability
  • Commercial Auto
  • Commercial Follow Form Excess and Umbrella
  • Workers’ Compensation

Specialized coverages and endorsements for cultural institutions include:

  • Cultural Institutions Property Broadening Endorsement
  • Fine Arts Coverage
  • Historical Building Valuation Clause
  • Emergency Event Management Coverage
  • Sexual Misconduct and Sexual Molestation Coverage

In addition, we offer specialized products that offer cultural institutions additional protection:

  • Inland Marine (Collections Coverage/Transit Coverage)
  • Ocean Cargo (Worldwide Transit)
  • Miscellaneous Professional Liability (Curators E&O)
  • Management Liability (Nonprofit and Private Company)
  • Commercial Surety