Art galleries, comedians, choirs, dance groups, libraries, museums,  and theaters with up to $3 million in revenue can now get a package insurance policy with a quick quote from our "A++" rated carrier.

Available Coverage for Arts and Culture
  • Most fundraisers and certain special events can be included at no additional cost
  • Coverage follows insured due to no designated premise limitation
  • Defense outside the limit
  • Blanket additional insured endorsement
  • Mental anguish included in the definition of bodily injury
  • Directors and officers/Employment practices liability Lifetime occurrence reporting provision – Unlimited reporting extension for former directors and officers
  • Data & Security+ endorsement – Provides a $50,000 expense sublimit each for data breach, identity theft,workplace violence and kidnap expenses
  • Full prior acts coverage
  • Breach of contract coverage
  • Fair Labor Standards Act (FLSA/wage and hour) sublimit of $100,000 for defense cost and loss (available in most states)
  • Optional fiduciary coverage
  • Optional standard form – A competitively priced alternative to our Broad Form option
  • Inland marine Ideal for costumes, sets and musical equipment for a nonprofit risk
  • Can consider scheduled or unscheduled items

​Coverage Limits Available for Arts and Culture
  • Up to $1,000,000/$3,000,000 aggregate (including spectator and participant liability)
  • Abuse and molestation up to $1,000,000/$1,000,000
  • Assault or battery sublimit of $50,000
  • Crime coverage up to $100,000 in employee dishonesty coverage
  • Inland marine coverage: Scheduled limits and blanket coverage available up to $500,000 ($25,000 maximum value perscheduled item)
  • Directors and officers liability/Employment practices liability up to $5,000,000 separate limits of liability
  • Property up to $3,000,000 in non-coastal zones (protection class 1–8), up to $250,000 in non-coastal zones (protection class 9–10) or up to $500,000 in coastal zones (wind and hail restrictions apply)
  • Umbrella up to $5,000,000 limits