Arts and Cultural Organization Insurance
Arts and Cultural Organization Insurance
Let’s protect the one-of-a-kind experiences you give the public.
Cover Your Creativity, Collections, and Performances
The experiences your arts or cultural organization curate are integral to your success. We work diligently to protect your greatest assets and audiences, including patrons, volunteers, and students. We’ve honed our expertise over decades of partnerships across your sector: from museums, artistic companies and performance venues to botanical gardens and zoos. All require core arts and cultural organization insurance protection, including:
- Public Liability insurance
- Property and Collection insurance
- Workers’ Compensation insurance
- Business Auto insurance
- Management Liability insurance
- Media Liability insurance
- Cyber insurance
- And more
We leverage our relationships with top-rated insurers—and keen understanding of your risk profile—to help you take this first step in protecting your future.
Tailored policies for your unique exposures
In addition to cornerstone arts and organizational insurance protection, we secure policies for your unique operational exposures. We base our recommendations on real-world scenarios to protect you against the widest range of potential risks.
Construction risk
Museums, galleries, and similar organizations often need additional space to accommodate their growing collections. Construction risks associated with expansion and renovation can be intricate. Our brokers excel at eliminating dangerous coverage gaps and managing the numerous risks, including occupation and public safety and environmental concerns.
Premises liability
Your organization might attract tens or even hundreds of thousands of visitors in a given year. Providing secure, well-maintained premises is essential to public safety. Your arts and cultural organization insurance will include appropriate security and life safety elements to protect your assets and ensure that your visitors have a positive experience.
Protection and valuation of collections
Establishing reliable values for fine art, historic artifacts, rare manuscripts, and other items of historic significance can be challenging. We provide peace of mind by scaling your insurance protection to the value of your collection, while also helping you protect items against potential threats.
Facilities rentals
Along with ticketing and concession revenues, facility rentals may make up a significant part of your budget. Events such as corporate functions and wedding receptions come with certain risks. With HUB, you have access to entertainment risk specialists. They can help you evaluate contractual risk and arrange special Tenant-User Liability insurance, which not only protects the interests of all parties but also insulates your insurance portfolio from rental-related claims.
Revenue stream exposure
Working closely with HUB Entertainment specialists, we can help protect your organization against cancellation of performances and special events for causes beyond your control, including weather, terrorism, labor strikes, artist non-appearance, and communicable disease.
Risk services to prevent and mitigate loss
In addition to maximizing value in commercial risk transfer, we work to reduce your total cost of risk. Our preventive services complement your insurer’s resources to help you:
- Establish visitor safety programs
- Manage volunteer liability
- Deflect contractual risk to counterparties
- Promote event safety
- Achieve technological security
Experts who focus on the fine print
Choosing the right arts and cultural organization insurance can be daunting. We facilitate the process by leveraging trading partnerships with leading specialty insurers and presenting your risk in a favorable light. When it’s time to make a decision, we’ll advise you of the options and help you select the insurance program that best satisfies your needs.