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A museum is a demanding business. You have to look out for stampedes and slip-and-fall accidents when hosting an auction event .Fire and sprinkler leakage can happen and damage the rare books donated by libraries.
Art gallery, exhibition, and museum insurance coverage protects you from financial losses caused by lawsuits, property damage or loss, employee injuries, and other risks.
Policies you can get from this tailored coverage are general liability, workers’ compensation, employer’s liability, commercial property insurance, and more.
Your museum and art gallery will admit people. You have liability over the bodily injuries or property damage of people who experience an accident while on the premises of your business.
Operate without worries by getting general liability insurance. Your museum and art gallery will find this insurance useful when:
Museums can also obtain museum collection insurance to protect valuable artifacts, exhibits, and collections from loss, theft, or damage. Every time you face a claim, general liability insurance takes care of these costs:
Limits Of General Liability Insurance
| Value | |
| General liability per occurrence limit | $250,000-$1 million |
| General liability aggregate limit | $1 million-2 million |
| Products and completed operations limit | $2 million |
| Advertising injury coverage limit | $1 million |
| Medical payments | $3,000-$15,000 |
| Deductible | $0-$2,500 |
For more specific coverage, you can consider art museum insurance, which offers tailored protection for fine arts, rare items, and the building that houses them. Get this to protect yourself in case something happens to the establishment where the equipment, artifacts, books, and artworks are displayed and stored.
You can use commercial property insurance to recover losses and pay for reconstruction or repair expenses in case the building is damaged or destroyed due to:
Limits Of Commercial Property Insurance
| Value | |
| Building coverage limit | $25,000-$1 million |
| Contents coverage limit | $5,000-$500,000 |
| Outdoor property coverage limit | $2,500 |
| Valuable papers and records coverage limit | $10,000 |
| Accounts receivable coverage limit | $10,000 (on premises)
$5,000 (off premises) |
| Coverage limit for property of others in your custody | $50,000-$100,000 |
Workers’ compensation insurance takes care of costs if an employee of your museum and art gallery sustains a work-related injury or disease.
Workers’ compensation insurance provides the funds you can use to cover these costs when an employee sustains a work-related injury or disease:
Get all the best quotes from leading providers in a click of a button!
Theft is the biggest threat when it comes to running a museum and art gallery. This is why you need to get multiple levels of protection against it.
Commercial crime insurance is an effective deterrent against financial losses if an employee or third party commits a crime against your museum and art gallery. The risk covered are:
Limits Of Art Exhibition Insurance
| Value | |
| Art exhibition general liability per occurrence limit | $1 million |
| Art exhibition general liability aggregate limit | $2 million |
| Art exhibition advertising injury coverage limit | $1 million |
| Products and completed operations aggregate limit | $2 million |
| Non-owned/hired auto liability coverage limit | $1 million |
| Rented premises liability coverage limit | $1 million |
| Medical payments coverage limit | $5,000 |
Also called art show insurance, art exhibition policy is a specialized type of special events insurance that covers art shows held in museums and art galleries.
You typically get this as a short-term coverage that lasts for hours, days, or weeks. Art exhibition insurance offers the following:
On average, museum and art gallery insurance cost $46 per month or $552 per year for a $1 million general liability coverage. Factors that affect pricing are revenues, size of business operations, claims history, and more.
CoverWallet’s tailored museum insurance policies offer four options – general liability insurance only, general liability and commercial property insurance, business owner’s policy with workers’ compensation insurance, and a custom plan.
CoverWallet allows you to cancel a policy. Furthermore, it has an online claims filing and insurance payment process.
Average cost: $30 per month
Most reputable insurance companies such as Thimble, Progressive, and NEXT will refer you to Tivly if they can’t cover your museum and art gallery.
Tivly has very broad underwriting policies. Policies you can get from this carrier are general liability, commercial property, workers compensation, and others.
Average cost: $33 per month
Get all the best quotes from leading providers in a click of a button!
Hiscox provides coverage for art galleries and art dealers. Policies you can get are general liability and cyber liability insurance. There’s also a business owner’s policy that bundles general liability and commercial property insurance for art galleries and art dealers.
Average cost: $36 per month
Our rating: 10/10
It offers general liability, commercial property, and workers compensation insurance for art dealers and art galleries.
Thimble’s policies are customizable. You can add or remove optional coverages, choose policy limits and deductibles, and even pause or cancel your policy anytime.
Average cost: $40 per month
Markel’s museum and fine arts insurance is perfect if you’re running a non-profit art gallery or museum. Policies included are general liability insurance, professional liability insurance, special events coverage, and abuse and molestation insurance.
Average cost: $42 per month
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
9.4 / 10
Fastest ever online insurance quote and purchase! Also, great rates and professional customer reps that helps with whatever you need, if you need. Nice company!
2.8 / 10
Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be... Read More
2.8 / 10
Great platform. Terrible policy. There is no teeth behind it. No coverage. It's a fake policy that they sell. Sold us an EPLI policy that later we came to find out had no EPLI coverage. Amazing that they can get away with outright fraud. Check the positive reviews. They are all 'Anonymous' posted by Emroker staff. Stay away and find a real policy that will actually provide you coverage. We've been bitten by them and hope to find restitution via a lawsuit.
Paul Burns Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
It has been 70 days since I made a claim on the roof of my building. No one from the company will return calls. We are in hurricane season and located in Louisiana. My building is tarped to secure it.
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
They are the worst, my truck was hit in January 23 and the claim adjuster has not been out to this very day! They have every excuse in the book as to why. They have not been to the collision shop. PLEASE AVOID THESE SCAM ARTIST!
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!
Kasey Arey Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
This company gives you a price that was in place for a year and when you have to use it there is fine print were they can go back and charge you more. Would not recommend them to any one. Crooks
John Murphy Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Worst insurance comapny I have ever dealt with. A commercial vehicle represented by GUARD t boned my wife and daughters family vehicle in the middle of the day. Driver was cited and insurance claim insued. Fast forward 4 months and refusal of full amount of claim is still happening. Driver was found guilty, repairs started on my vehicle and when it comes to the final bill and diminished value we cannot get any help. I am out a family car, have an injured and traumatized wife and children,... Read More
Harshadray Patel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Extremely bad service, when you call , will make you wait on the phone for ever (over an Hour) and still no one to answer , so you end up hanging up. To cancel the policy, bounce you from one department to the other. They are supposed to refund from the date other insurance started and after sending the proof of other insurance policy, still they did not refund based on that actual date instead they use the date i managed to get hold of them. They charged me $7000.00 for a year's insurance on... Read More
Aaron Wensel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Guard Insurance is terrible. They were so bad I cancelled them because them couldn't figure out why I would never get a paper copy of the bill . Verified my address with them and still intermittent billing. I cancelled them in March through my local broker. Today 6/27 I get a letter in the mail from a collections company saying I owe 87.97. This was the first myself or my broker heard of owing this money. Here is some advice for this failure of a company send me a god damn bill and I will pay.... Read More
Michael Swink Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
My employer had to have workers compensation by law. He obtained a policy through this Berkshire Hathaway GUARD and they failed me. I fell from a ladder and fractured my spine in 7 different places, my clavicle in 4 places, and the base of my skull. Going to my Dr visits I was prescribed medication for pain and the insurance company placed a pre-authorization hold on me picking up the medication from Walgreens. The hold lasted 5 days! My weekly benefits have never been on time, right now... Read More
10 / 10
Liberty Mutual is one of the more simple companies to deal with. I had to file a claim for my business owner policy after I caught one of my employees stealing a large amount of products from my business. Liberty mutual paid the claim fast and with no efforts. I wish the legal process was as easy…
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
9.4 / 10
Very pleased with Hiscox - their small business insurance rates are very good and they specialize in small business which gives me a peace of mind as a small business owner. So far so good!
10 / 10
Their customer service is absolutely fantastic. Very patient, knowledgable and provided excellent explanation of the purchased policy. I would highly recommend this insurance company to anyone that's looking to protect their business from unexpected expense. Thank you Hiscox for doing a great job for my business!
0.6 / 10
STAY AWAY! I wouldn't recommend hiscox small business liability insurance to anyone. Better not waste both your money and your time. Hiscox customer service is extremely unpleasant, not organized and not professional. It is the worst company we have dealt with in almost 25 years in business!
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Extremely fast and simple. Wasted a lot of time and money until I found these guys! I feel like my business is in good hands now.
10 / 10
Hiscox's the best! My business is insured with them for over 12 years and am not planning to switch!
10 / 10
Excellent experience with Hiscox BOP for my coffee shop. They provided all it needed.
10 / 10
My HI barbershop is well covered with their great BOP product for 5 years already! not planning to switch!
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
10 / 10
Great experience
6 / 10
Didn't relate to the concept much, but it makes sense if you need insurance to go
0 / 10
It doesn't really feel sustainable to me and doesn't offer business interruption, product liability and commercial property insurance. They have no local agents and despite their technology first approach you cannot file claims online. Additionally, product manufacturers are not covered by Thimble and they don't provide enterprise solutions.
10 / 10
As a contractor that works 3 times a week for a few hours, Thimble gets really handy for me and saves me money. I have no use for these massive business insurance coverages offered by traditional insurance companies.
10 / 10
Excellent concept which is useful to many small businesses!
10 / 10
Been waiting for this type of solution for a long time!
10 / 10
Love their business insurance solutions for freelancers! Great app!
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