Insurance coverages for museums

Program coverage features

Inland marine/collections

  • Capacity of $50 million
  • Relaxed appraisal requirements
  • Blanket limits on owned property, property of others in your care, custody, and control at scheduled locations and unnamed locations; domestic and international transits
  • No coinsurance clause, coverage for jointly owned works of art
  • Special clauses for “loss buy back” and “pairs and sets”
  • Current market valuation clause
  • Exhibition coverage built-in
  • Fine art reference libraries, valuable papers, EDP, signs, and miscellaneous articles
  • Available on stand alone basis or included in a P&C package


  • Historic buildings and unique property replacement cost valuation
  • Standard buildings
  • Business personal property
  • Business interruption
  • Management liability
  • Directors & Officers
  • Employment practices
  • Fiduciary
  • Museum property enhancement


  • Commercial general liability limits of $1 million occurrence and $3 million aggregate
  • Abuse and molestation
  • Auto
  • Special events
  • Host liquor
  • Professional liability
  • Products/completed operations
  • Off-premises activities
  • Accident medical available
  • Umbrella of $5 million; higher limits may be available
  • General liability enhancement


  • Employee dishonesty
  • Theft of money and securities
  • Computer fraud
  • Limits up to $1 million

Workers compensation