$200M Museum and Cultural Institutions Umbrella Program

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.

KEY PROGRAM ADVANTAGES

• 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 $200 million

• Admitted, A.M. Best A rated carriers

• Competitive pricing and low minimum premiums

ELIGIBILITY

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

LIMIT OPTIONS

• $1,000,000

• $3,000,000

• $5,000,000

• $15,000,000

• $50,000,000

• $200,000,000

• $2,000,000

• $4,000,000

• $10,000,000

• $25,000,000

• $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 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

FOLLOW FORM COVERAGES

• Advertising Injury

• Bodily Injury & Property Damage

• Directors & Officers Liability

• Employee Benefit Liability

• Personal Injury

• Auto Liability

• Contractual Liability

• Discrimination

• Liquor Liability(including host)

• Punitive or Exemplary Damages(except those related to a certified act of terrorism

Product Details

  • 1,000,000
  • 200,000,000

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Availability

Covered
Not Covered
AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY

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Contacts

Name Title Email Phone
Tara Hughes Marketing Specialist thughes@distinguished.com 425-213-1259