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Arts & Culture



Art galleries, comedians, choirs, dance groups, libraries, museums,  and theaters with up to $3 million in revenue can now get a package insurance policy with a quick quote from our "A++" rated carrier.

Ineligible Arts and Culture

Please note we cannot offer coverage to the following:

  • Organizations in premises that lack functional smoke detectors in all common areas

  • Located in premises that has aluminum, knob and tube wiring or wiring not 100 percent connected to functional circuitbreakers

  • Operations, instructions or training involving cheerleading, gymnastics or martial arts

  • Welding, cutting or spray painting operations

  • Permanent or temporary housing for staff or performers provided

  • Risks located in AK, LA or WV

  • Property coverage in FL (unavailable with this product)

Available Coverage for Arts and Culture

  • Most fundraisers and certain special events can be included at no additional cost

  • Coverage follows insured due to no designated premise limitation

  • Defense outside the limit

  • Blanket additional insured endorsement

  • Mental anguish included in the definition of bodily injury

  • Directors and officers/Employment practices liability Lifetime occurrence reporting provision – Unlimited reporting extension for former directors and officers

  • Data & Security+ endorsement – Provides a $50,000 expense sublimit each for data breach, identity theft,workplace violence and kidnap expenses

  • Full prior acts coverage

  • Breach of contract coverage

  • Fair Labor Standards Act (FLSA/wage and hour) sublimit of $100,000 for defense cost and loss (available in moststates)

  • Optional fiduciary coverage

  • Optional standard form – A competitively priced alternative to our Broad Form option

  • Inland marine Ideal for costumes, sets and musical equipment for a nonprofit risk

  • Can consider scheduled or unscheduled items

Coverage Limits Available for Arts and Culture

  • Up to $1,000,000/$3,000,000 aggregate (including spectator and participant liability)

  • Abuse and molestation up to $1,000,000/$1,000,000

  • Assault or battery sublimit of $50,000

  • Crime coverage up to $100,000 in employee dishonesty coverage

  • Inland marine coverage: Scheduled limits and blanket coverage available up to $500,000 ($25,000 maximum value perscheduled item)

  • Directors and officers liability/Employment practices liability up to $5,000,000 separate limits of liability

  • Property up to $3,000,000 in non-coastal zones (protection class 1–8), up to $250,000 in non-coastal zones (protection class 9–10) or up to $500,000 in coastal zones (wind and hail restrictions apply)

  • Umbrella up to $5,000,000 limits



Claim Example for Arts and Culture

Property: A water pipe bursts in a theater, resulting in extensive damage to the set, props and wardrobe.\ In addition, the incident causes the cancellation of two performances, forcing management to refund two nights’ box office receipts. The organization suffers a loss of $50,000 for property damage and business income

General Liability: A patron attending a classical performance slipped and fell in the bathroom of the theater. The patron broke his arm. The patron filed a lawsuit against the organization for pain and suffering, medical bills and rehabilitation expenses.

Molestation and Abuse: Parents of a child in the Community Choir sued the organization alleging negligent hiring of the choir director who went overboard when he improperly touched their child during a practice rehearsal.

Inland Marine: During an overnight trip, the theatre group locked its equipment in the van and spent the night at a hotel. Later that night, someone used a crowbar to pry open the van and stole all the theatre equipment. The next morning the director noticed that the equipment was missing and notified the police. A total of $9,700 of equipment was stolen.

Non Profit Directors & Officers: A donor made a large contribution to a theatre group. The funds were to be used primarily to expand and update the existing theatre. Instead, the theatre group, through its executive director and board of trustees, decided to use the funds to take a trip to see a Broadway musical. The donor filed suit, alleging misappropriation of funds. The damages included return of the full contribution plus interest. As some of the money was already spent, the non profit would be financially unable to return the entire donation.

Equipment Breakdown: A local theater suffered a broken shaft in a 400-hp centrifugal air conditioning compressor resulted in $36,000 of property damage and a shutdown of the theater’s operations for one day for business interruption of $28,000.

You must be an appointed USASIA Insurance Services retailer to use these programs. Quotes obtained via these programs will only be bound IF you are a previously appointed retailer with USASIA. PRIOR TO BINDING, check with your branch to determine any and all applicable taxes and fees. If you need additional pricing considerations on any web quote received via these programs or if your submission is declined, please call your USASIA representative.

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