Thank you for your interest in our specialty insurance programs. The following questions should be considered when purchasing insurance specific to your exposure. We hope you find this helpful. We will be more than happy to assist you in the insurance application process. As always, you are welcome to call us at any time with your questions or concerns.
There are many areas that require exploration when insuring a museum’s exhibits and displays. Bear in mind that any participative displays and exhibits may increase the potential for visitor injury which could lead to a higher-than-normal premises liability exposure.
The questions listed below will assist you when considering the protection of your valuable exhibits and the responsibility of these exhibits.
Overall value of works on display
Types of items on display
Are any items participative or interactive
What percentage of pieces are owned by others
Are loaned exhibits inspected prior to acceptance
Is the museum responsible for insuring the property of others
Review of loan agreements (standardized or original)
How are items protected from damage
How often are exhibits changed
What security measures are in place
Where and how are items stored when they are not on display
How are museum pieces tracked
Who is responsible for appraising and establishing the value of the works
What fire control and suppression methods are utilized
Is there a full-time curator on staff Is there a registrar on staff; if not who fulfils that duty
Maximum number of employees on site
Any volunteer labor used
Criminal background checks conducted on employees and volunteers
Annual number of visitors
Hours of operation
Is the museum accredited
Is the museum for-profit or not-for-profit
Is there a gift shop and what is the annual projected sales
Is there a cooking exposure
