Library Insurance
Liability Insurance for Libraries
Brownyard’s By The Cover® is a specialty insurance program for Libraries, in both private and public sectors. During the development of this program, Brownyard leveraged expertise with over 35 years of experience in the library industry. Utilizing this expertise and in-depth knowledge of the industry, the program has been customized to accommodate the specific challenges libraries face to protect their valuable assets.
Who We Insure:
- Public Libraries
- Private Libraries
- Research & Academic Libraries
Why Choose
Libraries face unique liability exposures and must protect valuable collections and assets. By The Cover provides brokers with specialized coverage designed specifically for libraries, helping safeguard accounts and manage industry-specific risks.
Core Coverages Include:
- Employee Benefits Liability
- Extended “Bodily Injury” Definition
- Broadened Named Insured
- Broad Additional Insured
- Medical Payments for Athletic Participants
- Good Samaritan Coverage for Medical Emergencies
- Abuse or Molestation Coverage
- Limits to $1M per occurrence/$3M aggregate
The Brownyard Business Auto Program is designed especially for the Library industry and offers:
- Broad “Who is Insured” Coverage
- Broad “Covered Auto Liability” Coverage
- Broad “Towing and Labor Costs” Coverage
- Plus many other enhancements to coverage
- Coverage on Buildings, Contents, Loss of Income, and Extra Expense
- Flood or Backup of Sewers and Drains – $25,000
- Ordinance or Law coverage – included up to building limit
- Coverage for Property of Others in your Care, Custody and Control
- Fine Arts – $35,000
- Property in Transit -$50,000
- Donation Assurance -$25,000
- Property Off-Premises – $500,000
The Inland Marine Program is designed to offer Mobile Property coverage including:
- Library Book Floater (Borrowed Materials)
- Unscheduled Equipment
- Scheduled Equipment
- Electronic Data Processing Coverage
- Accounts Receivable
- Valuable Papers
Employee Dishonesty is offered to protect against service contractor employees who perpetrate dishonest acts against their customers. This can cover:
- Administrators of Employee Pension and Benefit Plans
- Employee Theft/Forgery
- Money and Securities
- Computer Fraud
Also Available:
- Wage & Hour Coverage
- Provides coverage over all of the underlying package policies
Ready to Apply?
Submit completed applications to info@brownyard.com
Questions?
Call Domenic Antinucci at 631-666-5050 ext. 106 for more information about this program
Commercial Property – Requires ACORD forms 125 & 140
Inland Marine – Requires ACORD forms 125, 146 (Equipment Floater Section) & 148 (Electronic Data Processing Section)
Business Auto – Requires ACORD forms 125, 127, 129 and 137
Employee Dishonesty (Crime) – Requires ACORD form 141
Eligibility Map
Key:
- Eligible States
- Ineligible States
FAQs - Questions About Library Insurance
Please ask your agent or broker to submit the completed required information as soon as you can. We can usually have a quote for you within a few days.
- For General Liability, Auto, Property, Inland Marine, Crime, and Excess: Completed, signed By The Cover application
- For Auto, Property, Inland Marine and Crime: Completed, signed ACORD applications
- For Directors & Officers and EPLI: Completed, signed Arch application
- Five-year loss run information
- We will require the original, signed application to bind coverage
- W-9 Form
- Agency/Broker License
- Proof of Errors & Omissions (E&O) Insurance – Certificate or Dec Page
- Proof of Fidelity (Crime) Insurance – Certificate or Dec Page
We write By The Cover®, library insurance, in all states except AK, FL, HI, & WA.
Yes. Our policies are subject to minimum premiums which vary depending on the coverage limits. Our library program starts with minimums of $10,000 for our insurance package policies.
Our By The Cover program, insurance for libraries, is admitted in all states that we write in.