Museum and Cultural Institutions Umbrella Program

Offered by Distinguished Programs

Art Gallery Museums Botanical Garden Science Center Childrens Museum Aquariums Libraries Gallery


The Cultural Institutions Program is newer focus for us. 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 cultural institutions, excess directors and officers liability which is included in the coverage is key. This umbrella's unique design gives cultural institutions the opportunity to significantly increase directors and officers and general liability protection without increasing costs.

• Designed specifically for cultural institutions 
• No shared limits 
• Superior level of claim service and support 
• Specialized pricing for American Association of Museums members and accredited museums 
• Limits from $1 million to $275 million 
• Admitted, A.M. Best A rated carriers 
• Competitive pricing and low minimum premiums

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

• For-profit and not-for-profit institutions nationwide including, but not limited to:
• Aquariums 
• Art 
• Botanical Gardens 
• History 
• Military & War 
• Natural History 
• Science 
• Specialized 
• Archaeology 
• Art Galleries 
• Children 
• Libraries/Athenaeums
• Museums with Traveling Exhibits
• Open-Air Museums
• Space



$275M Maximum Limit

$1M Minimum Limit

Carrier Information


Rating A

Rating By A.M. Best

Listing Contact

Tara Hughes Marketing Specialist

Offered By

Distinguished Programs

10 listings in 50 states + DC

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Availability 50 states + DC

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming


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