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Museum and Cultural Institutions.

We’ve started with an umbrella program built on similar principles to our real estate umbrella – higher limits, broader coverage, and competitive pricing. When it comes to insurance for museums and cultural institutions, ensuring excess directors and officers liability is included in the coverage is key.

This umbrella's unique design gives museums and cultural institutions the opportunity to significantly increase directors and officers and general liability protection without increasing costs.

Key Program Advantages

  • Designed specifically for museums and cultural institutions
  • Limits from $1 million to $200 million
  • No shared limits
  • Admitted, A.M. Best A rated carriers
  • Superior level of claim service and support
  • Competitive pricing and low minimum premiums
  • Specialized pricing for American Association of Museums members and accredited museums


For-profit and not-for-profit institutions nationwide including, but not limited to:

  • Aquariums
  • Archaeology
  • Art
  • Art Galleries
  • Botanical Gardens
  • Children
  • History
  • Libraries/Athenaeums
  • Military & War
  • Museums with Traveling Exhibits
  • Natural History
  • Open-Air Museums
  • Science
  • Space
  • Specialized

Limit Options

  • $1,000,000
  • $2,000,000
  • $3,000,000
  • $4,000,000
  • $5,000,000
  • $10,000,000
  • $15,000,000
  • $25,000,000
  • $50,000,000
  • $100,000,000
  • $200,000,000

Key Coverages

  • Directors & Officers (D&O) Not-For-Profit, including Employment Practices Liability (EPLI) when included in the D&O
  • No Assault & Battery Exclusion
  • No Sexual Abuse & Molestation Exclusion (follow form availability subject to underwriting)
  • Incidental Foreign Coverage (for qualifying risks)
  • Special Events Coverage (for qualifying risks)
  • Terrorism Protection
  • Crisis Response Coverage
  • Unintentional Errors or Omissions
  • Broad Named Insured Limitation of Coverage to Specified Locations – Newly acquired locations must be reported to and accepted by the company within 90 days
  • No Self Insured Retention
  • Per Location Aggregate (subject to underlying)

Follow Form Coverages

  • Advertising Injury
  • Auto Liability
  • Bodily Injury & Property Damage
  • Contractual Liability
  • Directors & Officers Liability
  • Discrimination
  • Employee Benefit Liability
  • Liquor Liability (including host)
  • Personal Injury
  • Punitive or Exemplary Damages (except those related to a certified act of terrorism)

Schedule of minimum underlying insurance

General Liability $1,000,000 Occurrence
$2,000,000 General Aggregate
$1,000,000 Products Completed Ops Aggregate
$1,000,000 Personal Injury/Advertising Injury
Automobile Liability $1,000,000 Combined Single Limit
Garage keepers Legal Liability (If applicable) $1,000,000 Occurrence
$1,000,000 Aggregate
Employer’s Liability (If applicable) $500,000 Each Accident
$500,000 Each Employee - Disease
$500,000 Policy Limit - Disease
Employee Benefits Liability (If applicable) $1,000,000 Each Claim
$1,000,000 Aggregate
Directors & Officers Liability (If applicable) $1,000,000 Each Claim (indemnity)
$1,000,000 Each Claim (defense)
$1,000,000 Aggregate
Liquor Liability (If applicable) $1,000,000 Each Common Cause
$1,000,000 Aggregate
Foreign Liability (If applicable) $1,000,000 Each Occurrence
$1,000,000 Aggregate
Sexual Misconduct or Sexual/Physical Abuse & Molestation Liability, not included within the Commercial General Liability Limits (if applicable) $1,000,000 Each Claim
$1,000,000 Aggregate

All primary insurers must have an AM Best rating of A-VI or better. However, we will provide coverage over Employers Liability placed with certified state funds and/or carriers with an AM Best Rating of B++ VI or better.The coverage information outlined here is a guideline only. Please refer to the actual policies for full terms, conditions, exclusions, and limitations. For a sample copy, please contact Amanda Breakstone @ In the event of a conflict between this document and the actual policies, the policies will control.


Company Admitted Layer A.M. Best Rating
Great American Alliance Insurance Co. Yes Lead $10,000,000 A+ XIII
Ironshore Indemnity, Inc. Yes $15,000,000 excess of $10,000,000 A XIV
United States Insurance Co. Yes $25,000,000 excess of $25,000,000 A XIII
Ohio Casualty Yes $25,000,000 part of $50,000,000 excess of $50,000,000 A XV
AWAC Yes $25,000,000 part of $50,000,000 excess of $50,000,000 A XV
Great American Alliance Insurance Co. Yes $25,000,000 excess of $100,000,000 A+ XIII
ACE Westchester Yes $25,000,000 excess of $125,000,000 A++ XV
Ironshore Indemnity, Inc. Yes $25,000,000 part of $50,000,000 excess of $150,000,000 A XIV
Ohio Casualty Yes $25,000,000 part of $50,000,000 excess of $150,000,000 A XV

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