Museum Insurance
We advise and arrange museum insurance for all sizes, including galleries, small heritage centres and volunteer-run museums.
Our policies protect your property, assets, and liabilities, with specialist cover for exhibits, fine art, and collections. Items can be insured on a market or agreed value basis, with jewellery insured at its market value rather than on a modern replacement basis.
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We understand that wide cover is key to ensure your income is protected, which is why we will only ever suggest policies which are completely appropriate for you. Each property owner we help has different needs so we’ll ensure you get the right cover at a competitive price quickly and easily.
Insuring Exhibits
We will require you to submit a copy of any valuation or other listing of items. These include items comprising of: paintings, prints, drawings, antiquarian books, manuscripts, antique furniture, rugs, tapestries, mirrors, mirror paintings, non-fragile sculptures and bronzes, ceramics, glass, brittle items, clocks, barometers, gold, silver and plate, coins, stamps and medals. Other items can be specified as well as an amount for unspecified exhibits.
Loaned Exhibits and Items Away from the Main Collection
Cover is available for items away from your premises for a temporary period including an amount for items in unattended vehicles subject to policy conditions regarding vehicle locking and storage.
If you are loaning exhibits, then you should seek the written approval of the owner in order to gain the benefit of policy cover. Where items have been loaned to you, you should seek to document the arrangement in a Loan Agreement to include the loan value and to avoid unfortunate situations should a loss arise.
Attention to detail
Visitor numbers is an influence on the amount you pay for liability insurance so we are keen to understand the level of activity and any special events which you may run.
Your questions answered.
Museum insurance can include property damage, public and employer’s liability, and protection for collections, exhibits, and artefacts. Policies often cover buildings, contents, and specialist risks such as fine art, antiques, or historic items.
Yes. Exhibits can be insured on an agreed or market value basis. For high-value or unique items, we recommend professional valuations to ensure correct cover in the event of loss or damage.
Yes. Cover can include items temporarily away from the museum, on display elsewhere, or in transit. Conditions may apply to storage, transport, and documentation, such as requiring written loan agreements.
Yes. Visitor numbers and the frequency of events influence liability premiums. Providing accurate attendance figures helps ensure your cover reflects your museum’s activity level.
Yes. We arrange insurance for museums and heritage centres of all sizes, including those run by volunteers or charities. Policies are tailored to your operations and risks, ensuring adequate protection without unnecessary extras.