Museum and Fine Art Insurance

March 27, 2019

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Whether your museum is a private or public organization, our museum insurance program is specially designed to support nonprofit 501(c)3 museums, historic homes, art organizations, libraries, and cultural centers.

We know the museum insurance business which means we understand that your policy needs to include museum specific coverages as needed. For instance, we can provide all-risk coverage for your collection and changing exhibitions, including protection for temporary and long-term loans including transit both to and from the museum. This includes property of a fine art nature and other bona fide works of rarity, historical value, or artistic merit.

We currently insure many types of museums and collections including:

  • Agriculture
  • Arboretums
  • Automotive
  • Aviation
  • Botanical gardens
  • Children’s
  • Conservatory
  • Crafts
  • Cultural history
  • Fine arts
  • Geology history
  • Living history
  • Historical society
  • Living history
  • Natural history
  • Science
  • Technology
  • Transportation

If you are an Aquarium or Zoo, check in with us as coverage may not be available.

So what do you get:

Inland marine/collections

  • Capacity of $50 million
  • Relaxed appraisal requirements
  • Blanket limits on owned property, property of others in your care, custody, and control at scheduled locations
  • and unnamed locations; domestic and international transits
  • No coinsurance clause, coverage for jointly owned works of art
  • Special clauses for “loss buy back” and “pairs and sets”
  • Current market valuation clause
  • Exhibition coverage built-in
  • Fine art reference libraries, valuable papers, EDP, signs, and miscellaneous articles
  • Available on stand alone basis or included in a P&C package


  • Historic buildings and unique property replacement cost valuation
  • Standard buildings
  • Business personal property
  • Business interruption
  • Museum property enhancement

Management liability

  • Directors & Officers
  • Employment practices
  • Fiduciary


  • Commercial general liability limits of $1 million occurrence and $3 million aggregate
  • Abuse and molestation
  • Special events
  • Host liquor
  • Professional liability
  • Products/completed operations
  • Off-premises activities
  • Accident medical available
  • Umbrella of $5 million; higher limits may be available
  • General liability enhancement


  • Employee dishonesty
  • Theft of money and securities
  • Computer fraud
  • Limits up to $1 million


  • Liability
  • Physical Damage coverages Hired and NonOwned Auto

Workers compensation

  • (availability varies by state)

Too often museums think that insurance protection begins and ends with their valuable collections. In reality, you may need specialized protection that covers employees and volunteers, special events, vehicles, buildings and grounds, domestic and international transits, and much more.


In a museum, you know that stuff happens: A pipe freezes and floods your office. A volunteer trips on a mat. Bad guys steal your computer, or worse, steal something from a collection. But with our broad and comprehensive lines of property and liability insurance, we can cover you for all that plus events you never thought possible.


Keeping you protected.





All Access Insurance in Littleton, CO,  who represents multiple insurance companies as a “Broker” and provides products for auto, home,  commercial, workers compensation, and much more! Call us today for a free quote at (303) 932-1700