When you also have equipment or operate from an office
All Basic plan benefits and:
Get protected against employment-related issues
All Standard plan benefits and:
*plus Workers Compensation
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 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 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 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.
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.
Museums face a lot of unique risks. Some examples include:
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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