Museum insurance

Public liability insurance

In case your business and products cause an injury or property damage.

What’s typically covered by public liability insurance for museums?

Claims against your business for:

• damage to someone’s property, caused by your work
• an injury or illness caused by your business activities
• certain accidental damage or injuries caused by your employees

For example:

• you accidentally knock a shelf of products onto the floor while working on a client’s premises, which break and need replacing
• you leave a trailing cable outside your premises, causing someone to trip and injure their back
• an accident happens at your premises and someone is injured because of your work

**If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.**

Read more about public liability insurance

Employers’ liability insurance

In case anyone gets ill or injured while working for your museum

What’s typically covered by employers’ liability insurance?

Claims against your business for:

• an injury that happens as a result of working for you (including temps and casual workers)
• an employee, including a contractor or casual labourer, suing you after falling ill because of working for you

**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:

• your employee injures their lower back while moving furniture at your premises and holds you responsible
• an employee cuts their hand on a damaged countertop and sues you for operating an unsafe workspace
• a member of staff trips over while unloading business equipment, injuring their knee

Buildings insurance

In case something happens to your business premises.

What’s typically covered by business building insurance?

Claims against your business for:

• repair and rebuild costs after damage caused by a storm, fire, or vandalism
• fittings and fixtures that get damaged
• underground pipes and cables, if you’re responsible for them

For example:

• someone tries to force entry into your shop, damaging the door, which needs replacing
• a burst pipe causes water damage to floorboards and walls – they need to be replaced
• equipment catches fire and damages your building, which will need to be completely rebuilt

Read more about business buildings insurance

Contents insurance

In case something happens to your fixtures, fittings, or operational equipment.

What’s typically covered by business contents insurance?

Claims against your business for:

For example:

• a faulty toaster causes a fire in your office kitchen, badly damaging the oven and microwave
• a three-piece sofa suite is ripped by vandals and needs replacing
• thieves break into your office and steal three tablets used by your sales team

Read more about business contents insurance

Business legal insurance

In case you’re hit with legal expenses connected to your museum

What’s typically covered by business legal insurance?

Claims against your business for:

• VAT disputes
• theft of your company’s identity illegally
• compensation under data protection legislation

For example:

• HMRC is investigating your VAT affairs, triggered by seemingly incorrect figures on your return
• a fraudster steals your company’s bank details and buys goods to set up a new line of credit with banks or retailers
• a client is claiming you didn’t process their data in accordance with GDPR, and is seeking compensation

Read more about business legal insurance

Personal accident insurance

In case anyone you’ve covered is accidentally injured, at work or off-duty.

What’s typically covered by personal accident insurance?

Claims against your business for:

• accidental death or injury, whether it happens at work or elsewhere, for anyone you’ve chosen to cover on your policy
• lost income, plus medical costs and hospitalisation benefit

For example:

• an employee you’ve covered on the policy slips on ice while commuting to the office, injuring their lower back
• you’re tidying the office and an old printer falls onto your shoulder, causing a serious injury
• your business partner bumps their head after a fall, causing ongoing health complications which stop them from working

Read more about personal accident insurance