The similarities and differences of a public library and a museum are highlighted through the varying coverage needed.

Public Library Insurance

This kind of insurance can be written either on a stand-alone basis or as a portion of the municipal insurance package that deals with city and county libraries. Stand-alone coverage is a package combo consisting of property, commercial general liability, and business auto insurance.

The coverage can pertain to books that were spoiled as a result of poor weather conditions and mold. Property coverage encompasses off-premises risks that are associated with shows, outside sculptures, statures and monuments, as well as computer equipment. Commercial general liability can include medical payment for employees and volunteer workers.

Optional specialized coverage includes:   

• Inland Marine Insurance
  This coverage insures fine arts, valuable documents, books, visual aids, and further property belonging to the library and can pertain to book spoilage as a result of climate changes.
  
  
• Limited First-Party Pollution Cleanup Insurance
  
  
• Directors and Officers Liability Insurance
  
  
• Employment Practices Liability Insurance
  
  
• Errors and Omissions Insurance

Museum Insurance

Several key insurance companies have established property and commercial general liability packaged programs that deal with the risks of museums, historical societies and other art and antiquities galleries. Available for both private and public jewelry, antiques, sports memorabilia, and other collections, related insurance packages are written on an inland marine form that generally includes coverage for:

• Flood
  
  
• Earthquake
  
  
• Theft
  
  
• Damage due to weather changes
  

For more on related coverage, speak to a knowledgeable, experienced independent agent.

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Summary: The public library and private and public gallery and museum have their individual coverage needs that are addressed by the leading insurance companies.