We partner with 100+ insurance companies you can count on.
Why Does a Library Need Insurance?
Libraries welcome the public, host programs, and safeguard collections, equipment, and data. One slip-and-fall, a burst pipe in the stacks, or a cyber incident can disrupt services and strain budgets without the right insurance.
What Does Library Insurance Cover?
It can cover injuries on your premises, damage to buildings and collections, theft and vandalism, business interruption after a covered loss, and certain data and privacy events tied to your systems.
Patron injury during a program
A guest trips over an extension cord at a children’s event and needs medical care. General liability can help with medical bills, legal defence, and a potential settlement.
Water damage in the stacks
A sprinkler head fails overnight and damages shelving, books, and AV materials. Property coverage can help pay for cleanup, repairs, and replacement of damaged items.
Ransomware locks the catalog system
Staff lose access to circulation software and patron notifications after a phishing email. Cyber coverage can help with incident response, restoration costs, and required notifications.
Library Insurance Made Simple
Everything you need to know about protecting your business, from coverage basics to real-world scenarios.
