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Museums and Cultural Institutions

Not all your insurance risks hang on the wall

Travelers helps protect your museums & cultural institutions

Your priceless collections and exhibits are what pull visitors through your doors. But keeping those visitors safe – as well as your employees, volunteers, building and reputation – is what keeps those doors open.

One company for property exposures

You can cover your buildings, personal property, and lost income with our Travelers Deluxe® product. In addition to general risks, Travelers Deluxe can address special exposures museum directors face that can affect operations; such as:

  • Lost income coverage
  • Coverage to pay additional costs to use green materials to repair or replace damaged buildings and to become LEED-certified
  • Robust data and media coverage in the event of a covered loss
  • Protection for property you transport, no matter the mode
  • Coverage to pay for loss of leasehold interest should a landlord cancel a lease due to direct physical loss or damage by a covered cause of loss to property at a leased location

Fine Art Expertise

Travelers offers Museums and Cultural Institutions customized product and service offerings. Our Inland Marine division is a Fine Art market leader that provides flexible solutions for your unique needs.

Travelers risk control representatives will take the time to meet with you and conduct risk control assessments to find risks others might miss and then help you create risk management solutions to help you be prepared for unanticipated events. They will also give you access to our online collection of risk management resources about slip, trip and fall risks to help you reduce exposures and potential loss.

Specialized claim handling from Travelers’ claim professionals includes aggressively defending claims that lack merit to ensure we pay only what our insured is legally responsible for – resulting in 62 percent of claims closed without pay – and 98.5 percent of these claims are closed in 6 months and never reopened.*

* Travelers 2012 Core general liability closed

This material does not amend, or otherwise affect, the provisions or coverages of any insurance policy or bond issued by Travelers. It is not a representation that coverage does or does not exist for any particular claim or loss under any such policy or bond. Coverage depends on the facts and circumstances involved in the claim or loss, all applicable policy or bond provisions, and any applicable law. Availability of coverage referenced can depend on underwriting qualifications and state regulations.

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