Risk Eligibility

  • Target classes (including, but not limited to):
    • Museums, art galleries and libraries
    • Theaters/Playhouses
    • Orchestras, choirs and other musical groups
    • Dance, theatrical and comedy groups
  • Performing arts organizations with up to 250 annual performances and 5,000 attendees per performance
  • Museums, libraries, theaters and art galleries up to 50,000 square feet
  • Annual revenue up to $3,000,000
  • New ventures are eligible

Contact an Underwriter at 877-742-9875

SUBJECT TO UNDERWRITING REVIEW

  • Any school exposure (no overnight)
  • Up to two losses or claims per coverage line in the last three years

AVAILABLE LIMITS

  • General liability up to $1,000,000 occurrence/$3,000,000 aggregate including abuse and molestation of
  • $100,000/$300,000”
  • Property values up to:
    • $3,000,000 in non-coastal zones (protection class 1-8)
    • $1,000,000 in non-coastal zones (protection class 9-10)
    • $500,000 in coastal zones (wind and hail restrictions apply)
  • Inland marine – $500,000 ($25,000 maximum value per scheduled item)
  • Nonprofit directors & officers and employment practices limits up to $5,000,000

DEDUCTIBLE/RETENTIONS

  • General liability – $0
  • Property – $1,000
  • Nonprofit directors & officers liability and employment practices liability starting at $0

For training organizations or schools, please refer to our Specialty Training Schools Product Underwriting Guide.

For organizations that operate for a profit, please refer to our Games and Entertainment Product Underwriting Guide.

MOST COMMON INELIGIBLE RISK CHARACTERISTICS

  • Lacking functioning smoke detectors in all common areas
  • Has aluminum or knob and tube wiring
  • Wiring not 100 percent connected to functional circuit breakers
  • 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
  • Located in AK, LA or WV

NOTE: Many classes may still be eligible for our Non Profit Directors & Officers Liability/Employment Practices product.

Ineligible risk characteristics include, but are not limited to those listed above.

CONTACT AN UNDERWRITER FOR MORE INFORMATION AT 877-742-9875 OR CLICK HERE TO FILE A SUBMISSION