Commercial General Liability
The foundation liability policy, written on forms shaped to guest operations, special events, and high guest density rather than generic commercial general liability.
MUSEUMS & SCIENCE CENTERS
Fine art, transit, and loan coverage structured the way registrars and lending institutions actually require.
What Makes This Risk Different
The defining insurance challenge for a museum is protecting objects that have no commercial replacement value. Standard property insurance written on a replacement cost basis is meaningless when an object is unique and its loss is irreversible. A major theft or fire in a gallery can produce losses in the hundreds of millions, and collections are most vulnerable precisely when they move — on loan, in transit, or in a traveling exhibition.
Nonprofit governance adds a second layer. Boards make consequential decisions on deaccessioning, employment, grant management, and endowment investment, and deaccessioning in particular has drawn legal action against major institutions. The sector has also faced high-profile harassment and discrimination litigation. Meanwhile venue rental and private event revenue — increasingly important to museum budgets — layers collection damage, liquor, and third-party vendor exposure onto a building full of irreplaceable objects.
COVERAGE FOR THIS CLASS
What We Write for Museums & Science Centers
Guest & Public Liability
Umbrella / Excess Liability
The layer that determines whether a catastrophic claim ends the business. Towers are built from the excess down to match the severity this industry faces.
Sexual Abuse & Molestation (SAM)
Provides a separate limit with its own aggregate, so a SAM claim does not erode the general liability limit. Essential for any venue serving minors.
Active Assailant & Terrorism (TRIA)
Closes the gap TRIA and standard general liability leave open, responding on a named-peril basis to victim costs, business interruption, and crisis management.
Liquor Liability
Covers venues serving alcohol, often better written as a separate policy than as a general liability endorsement.
Workforce & People
Employment Practices Liability (EPLI)
Addresses harassment, discrimination, and wage-and-hour claims, including the exposure created by seasonal and high-turnover workforces.
Workers' Compensation
Built for the mix of seasonal, J-1, and full-time staff and the elevated class codes attractions carry, coordinated with return-to-work programs.
Volunteer Accident Coverage
Medical coverage for volunteer docents, education staff, and event volunteers who typically fall outside workers' compensation.
Employee Benefits
Full-spectrum benefits including group health, dental, vision, life, and pharmacy, coordinated alongside property and casualty placement.
Payroll & HR Support
Outsourced payroll, HR administration, and compliance support for operators without an in-house HR function.
Background Screening
Compliant screening for high-volume seasonal hiring, including the more rigorous screening carriers require for staff working with children or animals.
Property, Equipment & Continuity
Commercial Property
Covers buildings, attractions, exhibits, and specialized assets, with valuations that reflect what they actually cost to rebuild or replace.
Equipment Breakdown
Covers sudden and accidental breakdown of mechanical and electrical equipment essential to operations, including repair or replacement costs and resulting loss of income.
Business Interruption
Protects revenue when a covered loss forces a closure or operational pause, built around this industry's seasonal revenue concentration.
Event Cancellation & Weather Contingency
Protects revenue and sunk costs when severe weather or public-health events force a closure or cancel a signature event.
Cyber Liability
Protects ticketing, point-of-sale and payment systems, and guest data in the event of a data breach or cyber incident.
Inland Marine / Equipment Floater
Covers safety-critical equipment and products in transit, written against documented inspection and replacement cycles.
Crime / Employee Dishonesty
Protects high-volume cash operations at gates, concessions, and retail from employee theft.
Risk Management & Member Services
Contractual Risk Transfer Advisory
Reviews certificates of insurance, additional insured endorsements, and indemnification wording so risk sits with the right party.
Risk Management & Loss Control
Year-round risk management delivered through Higginbotham Day Two Services®, including safety review, compliance support, and incident response.
Claims Advocacy & Crisis Readiness
365-day claims advocacy plus pre-loss readiness, including written incident-response plans and pre-arranged crisis communications support.
Coverage Adequacy & Contract Audit
A structured review comparing carried limits against the contractual insurance requirements imposed by customers, landlords, and municipalities.
Simplified Onboarding
A single digital intake that replaces duplicate-application paperwork across the full coverage portfolio.
Dedicated Service Team
Direct access to a dedicated specialty team, the same people who place, service, and advocate for your account.
Exclusive Member Discounts
Member-only pricing and program incentives for IAAPA members across covered lines and program-related services.
OUR INSURANCE SOLUTIONS
Insurance Designed for the Global Attractions Industry
IAAPA Insurance Solutions is built on three core commitments—helping IAAPA members manage risk, protect their people and property, and strengthen their operations.
BUILT FOR THE INDUSTRY
Coverage forms, specialty market access, and risk support built for the attractions industry.
ENDORSED BY THE INDUSTRY
The insurance program your association built, aligned with attractions industry global standards and best practices, and available to U.S.-based IAAPA members.
BACKED BY HIGGINBOTHAM
Delivered through the 18th-largest broker in the United States, with 140+ offices and the specialty market relationships this industry requires.
FAQ
Frequently Asked Questions
What is IAAPA Insurance Solutions?
Who is it for?
Can you place classes other markets have declined?
Do I have to move all my insurance to the program?
Will my rates be lower?
Is this just one type of coverage?
What types of insurance are available?
Why go through the program instead of buying coverage on my own?
How does the program handle a serious incident?
Do you help with risk management and safety, or just placement?
Are there benefits beyond insurance coverage?
How does IAAPA benefit from this program?
I’m a supplier, not an operator. Is this for me?
How do I get started?
Still have questions? Whether it’s about coverage, market access, or how the program works for your specific operation, our team is ready to help.
Get a Collections Program Your Registrar Won’t Argue With
Let’s review your schedule, your loan agreements, and your transit coverage.
MUSEUMS & SCIENCE CENTERS
Fine art, transit, and loan coverage structured the way registrars and lending institutions actually require.
What Makes This Risk Different
The defining insurance challenge for a museum is protecting objects that have no commercial replacement value. Standard property insurance written on a replacement cost basis is meaningless when an object is unique and its loss is irreversible. A major theft or fire in a gallery can produce losses in the hundreds of millions, and collections are most vulnerable precisely when they move — on loan, in transit, or in a traveling exhibition.
Nonprofit governance adds a second layer. Boards make consequential decisions on deaccessioning, employment, grant management, and endowment investment, and deaccessioning in particular has drawn legal action against major institutions. The sector has also faced high-profile harassment and discrimination litigation. Meanwhile venue rental and private event revenue — increasingly important to museum budgets — layers collection damage, liquor, and third-party vendor exposure onto a building full of irreplaceable objects.
COVERAGE FOR THIS CLASS
What We Write for Museums & Science Centers
Guest & Public Liability
Commercial General Liability
The foundation liability policy, written on forms shaped to guest operations, special events, and high guest density rather than generic commercial general liability.
Umbrella / Excess Liability
The layer that determines whether a catastrophic claim ends the business. Towers are built from the excess down to match the severity this industry faces.
Sexual Abuse & Molestation (SAM)
Provides a separate limit with its own aggregate, so a SAM claim does not erode the general liability limit. Essential for any venue serving minors.
Active Assailant & Terrorism (TRIA)
Closes the gap TRIA and standard general liability leave open, responding on a named-peril basis to victim costs, business interruption, and crisis management.
Liquor Liability
Covers venues serving alcohol, often better written as a separate policy than as a general liability endorsement.
Workforce & People
Employment Practices Liability (EPLI)
Addresses harassment, discrimination, and wage-and-hour claims, including the exposure created by seasonal and high-turnover workforces.
Workers' Compensation
Built for the mix of seasonal, J-1, and full-time staff and the elevated class codes attractions carry, coordinated with return-to-work programs.
Volunteer Accident Coverage
Medical coverage for volunteer docents, education staff, and event volunteers who typically fall outside workers' compensation.
Employee Benefits
Full-spectrum benefits including group health, dental, vision, life, and pharmacy, coordinated alongside property and casualty placement.
Payroll & HR Support
Outsourced payroll, HR administration, and compliance support for operators without an in-house HR function.
Background Screening
Compliant screening for high-volume seasonal hiring, including the more rigorous screening carriers require for staff working with children or animals.
Property, Equipment & Continuity
Commercial Property
Covers buildings, attractions, exhibits, and specialized assets, with valuations that reflect what they actually cost to rebuild or replace.
Equipment Breakdown
Covers sudden and accidental breakdown of mechanical and electrical equipment essential to operations, including repair or replacement costs and resulting loss of income.
Business Interruption
Protects revenue when a covered loss forces a closure or operational pause, built around this industry's seasonal revenue concentration.
Event Cancellation & Weather Contingency
Protects revenue and sunk costs when severe weather or public-health events force a closure or cancel a signature event.
Cyber Liability
Protects ticketing, point-of-sale and payment systems, and guest data in the event of a data breach or cyber incident.
Inland Marine / Equipment Floater
Covers safety-critical equipment and products in transit, written against documented inspection and replacement cycles.
Crime / Employee Dishonesty
Protects high-volume cash operations at gates, concessions, and retail from employee theft.
Risk Management & Member Services
Contractual Risk Transfer Advisory
Reviews certificates of insurance, additional insured endorsements, and indemnification wording so risk sits with the right party.
Risk Management & Loss Control
Year-round risk management delivered through Higginbotham Day Two Services®, including safety review, compliance support, and incident response.
Claims Advocacy & Crisis Readiness
365-day claims advocacy plus pre-loss readiness, including written incident-response plans and pre-arranged crisis communications support.
Coverage Adequacy & Contract Audit
A structured review comparing carried limits against the contractual insurance requirements imposed by customers, landlords, and municipalities.
Simplified Onboarding
A single digital intake that replaces duplicate-application paperwork across the full coverage portfolio.
Dedicated Service Team
Direct access to a dedicated specialty team, the same people who place, service, and advocate for your account.
Exclusive Member Discounts
Member-only pricing and program incentives for IAAPA members across covered lines and program-related services.
OUR INSURANCE SOLUTIONS
Insurance Designed for the Global Attractions Industry
IAAPA Insurance Solutions is built on three core commitments—helping IAAPA members manage risk, protect their people and property, and strengthen their operations.
BUILT FOR THE INDUSTRY
Coverage forms, specialty market access, and risk support built for the attractions industry.
ENDORSED BY THE INDUSTRY
The insurance program your association built, aligned with attractions industry global standards and best practices, and available to U.S.-based IAAPA members.
BACKED BY HIGGINBOTHAM
Delivered through the 18th-largest broker in the United States, with 140+ offices and the specialty market relationships this industry requires.
FAQ
Frequently Asked Questions
What is IAAPA Insurance Solutions?
Who is it for?
Can you place classes other markets have declined?
Do I have to move all my insurance to the program?
Will my rates be lower?
Is this just one type of coverage?
What types of insurance are available?
Why go through the program instead of buying coverage on my own?
How does the program handle a serious incident?
Do you help with risk management and safety, or just placement?
Are there benefits beyond insurance coverage?
How does IAAPA benefit from this program?
I’m a supplier, not an operator. Is this for me?
How do I get started?
Still have questions? Whether it’s about coverage, market access, or how the program works for your specific operation, our team is ready to help.
Get a Collections Program Your Registrar Won’t Argue With
Let’s review your schedule, your loan agreements, and your transit coverage.
MUSEUMS & SCIENCE CENTERS
Fine art, transit, and loan coverage structured the way registrars and lending institutions actually require.
What Makes This Risk Different
The defining insurance challenge for a museum is protecting objects that have no commercial replacement value. Standard property insurance written on a replacement cost basis is meaningless when an object is unique and its loss is irreversible. A major theft or fire in a gallery can produce losses in the hundreds of millions, and collections are most vulnerable precisely when they move — on loan, in transit, or in a traveling exhibition.
Nonprofit governance adds a second layer. Boards make consequential decisions on deaccessioning, employment, grant management, and endowment investment, and deaccessioning in particular has drawn legal action against major institutions. The sector has also faced high-profile harassment and discrimination litigation. Meanwhile venue rental and private event revenue — increasingly important to museum budgets — layers collection damage, liquor, and third-party vendor exposure onto a building full of irreplaceable objects.
COVERAGE FOR THIS CLASS
What We Write for Museums & Science Centers
Guest & Public Liability
Commercial General Liability
The foundation liability policy, written on forms shaped to guest operations, special events, and high guest density rather than generic commercial general liability.
Umbrella / Excess Liability
The layer that determines whether a catastrophic claim ends the business. Towers are built from the excess down to match the severity this industry faces.
Sexual Abuse & Molestation (SAM)
Provides a separate limit with its own aggregate, so a SAM claim does not erode the general liability limit. Essential for any venue serving minors.
Active Assailant & Terrorism (TRIA)
Closes the gap TRIA and standard general liability leave open, responding on a named-peril basis to victim costs, business interruption, and crisis management.
Liquor Liability
Covers venues serving alcohol, often better written as a separate policy than as a general liability endorsement.
Workforce & People
Employment Practices Liability (EPLI)
Addresses harassment, discrimination, and wage-and-hour claims, including the exposure created by seasonal and high-turnover workforces.
Workers' Compensation
Built for the mix of seasonal, J-1, and full-time staff and the elevated class codes attractions carry, coordinated with return-to-work programs.
Volunteer Accident Coverage
Medical coverage for volunteer docents, education staff, and event volunteers who typically fall outside workers' compensation.
Employee Benefits
Full-spectrum benefits including group health, dental, vision, life, and pharmacy, coordinated alongside property and casualty placement.
Payroll & HR Support
Outsourced payroll, HR administration, and compliance support for operators without an in-house HR function.
Background Screening
Compliant screening for high-volume seasonal hiring, including the more rigorous screening carriers require for staff working with children or animals.
Property, Equipment & Continuity
Commercial Property
Covers buildings, attractions, exhibits, and specialized assets, with valuations that reflect what they actually cost to rebuild or replace.
Equipment Breakdown
Covers sudden and accidental breakdown of mechanical and electrical equipment essential to operations, including repair or replacement costs and resulting loss of income.
Business Interruption
Protects revenue when a covered loss forces a closure or operational pause, built around this industry's seasonal revenue concentration.
Event Cancellation & Weather Contingency
Protects revenue and sunk costs when severe weather or public-health events force a closure or cancel a signature event.
Cyber Liability
Protects ticketing, point-of-sale and payment systems, and guest data in the event of a data breach or cyber incident.
Inland Marine / Equipment Floater
Covers safety-critical equipment and products in transit, written against documented inspection and replacement cycles.
Crime / Employee Dishonesty
Protects high-volume cash operations at gates, concessions, and retail from employee theft.
Risk Management & Member Services
Contractual Risk Transfer Advisory
Reviews certificates of insurance, additional insured endorsements, and indemnification wording so risk sits with the right party.
Risk Management & Loss Control
Year-round risk management delivered through Higginbotham Day Two Services®, including safety review, compliance support, and incident response.
Claims Advocacy & Crisis Readiness
365-day claims advocacy plus pre-loss readiness, including written incident-response plans and pre-arranged crisis communications support.
Coverage Adequacy & Contract Audit
A structured review comparing carried limits against the contractual insurance requirements imposed by customers, landlords, and municipalities.
Simplified Onboarding
A single digital intake that replaces duplicate-application paperwork across the full coverage portfolio.
Dedicated Service Team
Direct access to a dedicated specialty team, the same people who place, service, and advocate for your account.
Exclusive Member Discounts
Member-only pricing and program incentives for IAAPA members across covered lines and program-related services.
OUR INSURANCE SOLUTIONS
Insurance Designed for the Global Attractions Industry
IAAPA Insurance Solutions is built on three core commitments—helping IAAPA members manage risk, protect their people and property, and strengthen their operations.
BUILT FOR THE INDUSTRY
Coverage forms, specialty market access, and risk support built for the attractions industry.
ENDORSED BY THE INDUSTRY
The insurance program your association built, aligned with attractions industry global standards and best practices, and available to U.S.-based IAAPA members.
BACKED BY HIGGINBOTHAM
Delivered through the 18th-largest broker in the United States, with 140+ offices and the specialty market relationships this industry requires.
FAQ
Frequently Asked Questions
What is IAAPA Insurance Solutions?
Who is it for?
Can you place classes other markets have declined?
Do I have to move all my insurance to the program?
Will my rates be lower?
Is this just one type of coverage?
What types of insurance are available?
Why go through the program instead of buying coverage on my own?
How does the program handle a serious incident?
Do you help with risk management and safety, or just placement?
Are there benefits beyond insurance coverage?
How does IAAPA benefit from this program?
I’m a supplier, not an operator. Is this for me?
How do I get started?
Still have questions? Whether it’s about coverage, market access, or how the program works for your specific operation, our team is ready to help.
Get a Collections Program Your Registrar Won’t Argue With
Let’s review your schedule, your loan agreements, and your transit coverage.