Museum Insurance

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Better, Regardless of Your Size

Coverage Plans for All Your Needs

BASIC

Essential coverages to meet client demands

General Liability (GL)

From
39
Month
Instant quote »

Includes:

  • Coverage against claims from bodily injury, property damage and personal injury
  • Coverage for products/completed operations
Get BASIC plan

STANDARD

When you also have equipment or operate from an office

General Liability + Property (bundle them with a BOP)

From
49
Month
Instant quote »

All Basic plan benefits and:

  • Bodily injury
  • Damage to third party property
  • Business personal property
  • Personal injury
  • Lost business income
  • Equipment breakdown
Get STANDARD plan

PRO

Get protected against employment-related issues

Business Owners Policy (BOP) + Workers Compensation*

From
49
Month
Instant quote »

All Standard plan benefits and:

  • Coverage for work-related accidents and disease and subsequent:
    • Ongoing medical care (such as rehab)
    • Missed wages during recovery

*plus Workers Compensation

Get PRO plan

CUSTOM

When you have specific requirements

Inclduing Business Interruption, Commercial Auto, etc.

From
___
Month
Instant quote »

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We've Got You Covered with Coverage You Need

General Liability

General Liability insurance can protect your museum by covering for the associated costs with third-party property damage, bodily injury, personal injury and advertising mistakes. The insurance can help pay for attorney fees, court costs, settlements and judgments made by the court.

Workers Compensation

Workers' Compensation is a state-mandated insurance that provides employees with medical benefits if they suffer job-related injuries and illnesses. An employee receives Workers' Compensation regardless of who was at fault when the accident happened, but they give up the right to sue for employer negligence.

Business Interruption

Business Interruption insurance will cover the loss of income that a business suffers after a disaster. The income loss can be from a disaster-related closing of the business or the rebuilding process after a disaster. It will pay profits lost during closure, as well as regular expenses like monthly bills and employee wages. It can also cover the cost to move to a temporary location.

Commercial Property

Commercial Property insurance protects museums from perils such as theft, fire, and natural disaster. The insurance can pay to repair or replace the business property including the office space or building you own or rent, as well as contents inside the building like fixtures, furniture, inventory, supplies, and equipment.

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Frequently Asked Questions

Why do Museums need insurance?

Museums need insurance to protect against the many risks it can face. These include liability lawsuits, property damage claims, medical expenses, and other risks. When you don't have insurance, it can be a devastating out-of-pocket expense. With insurance, these covered risks are paid for up to the policy limits. All you have to do is pay a small monthly fee to get insured.

What risks do Museums face?

Museums face a lot of unique risks. Some examples include:

  • A customer slips and falls, suffering injuries. You'll be responsible for the customer's medical fees, your defense fees, and court costs if the customer sues your business.
  • Your museum catches fire in which some of your priced artifacts are destroyed.
  • Because of a fire, your museum closes temporarily, losing profits that you would have earned on that day.

How much does Museum Insurance?

There is no fixed cost for museum policies because insurance carriers determine the cost from the size of your museum, the number of museum employees you have and the coverage required. If you want to find out the cost of your insurance policies, simply apply online and get a free quote within five minutes. You can also talk directly to our insurance experts over the phone.

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