When you also have equipment or operate from a building
All Basic plan benefits and:
Get protected against employment-related issues
All Standard plan benefits and:
*plus Workers Compensation
Commercial Property insurance insures your business against the damage to the building and its contents due to a fire, flood, theft, vandalism, earthquake and other natural disasters. It covers the repair or replacement of the damaged property and all of the contents inside.
Your Commercial Property insurance only covers property loss or damage, but what about the income that your business loses? Business Interruption insurance will cover income loss due to a disaster-related closing of your libraries and archives. The insurance can also cover for recurring expenses like employee wages, monthly bills and the expense of moving to a temporary location.
Workers' Compensation will pay for the medical fees and rehabilitation fees for employees who become sick or injured on the job. This benefit is offered in exchange for the mandatory relinquishment of employee rights to sue your business for negligence.
These businesses are involved in the maintenance and facilitation of collected documents. They also acquire, preserve, and store the documents, so that the public can access them.
Insurance is one of the last things library owner think about until a lawsuit or disaster actually happens. However, imagine you have to pay for the damage from a slip-and-fall claim. Insurance will cover your business assets by paying for the attorney fees, court fees, medical fees, and other expenses covered by your library insurance plans.
As libraries and archives, your business faces a unique set of risks, below are some of those:
The insurance for libraries and archives depends on the size of the libraries and archives, the number of employees and the coverage required. To find out the cost of insurance for your libraries and archives, apply online to get a free quote or talk to our insurance experts on the phone.
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