Whether a museum/gallery is a private or a public organization, World Events Insurance provide all-risk coverage for the collection and changing of exhibitions and works. This coverage includes protection for works on consignments, owned or borrowed, while the works are in the gallery, in transit to exhibitions or storage, as well as, specially designed policies which are flexible and a cost-effective coverage solution to fit your business.


Coverage Details


This program provides protection for the Policyholder against claims of bodily injury liability, property damage liability, personal and advertising injury liability, and the litigation costs to defend against such claims. Coverage is provided up to $1,000,000.00 per occurrence. 

Coverages Can Include:


  • General Liability

  • Property

  • Equipment Breakdown

  • Business Income

  • Special Events


  • Abuse and Molestation

  • Auto

  • Umbrella

  • Inland Marine

  • Blanket Additional Insureds


  • Directors and Officers Liability

  • Employment Practices Liability

  • Employee Benefits Liability

  • Cyber Liability

  • Professional Liability




  • Property Claim: 
    A water pipe bursts in an art gallery, resulting in extensive damage to the paintings and building. In addition, the incident causes the cancellation of two events, forcing management to refund two nights’ worth of ticket sales. The organization suffers a loss of $50,000 for property damage and business income..

  • General Liability Claim: 
    A patron attending an art gallery slipped and fell in the bathroom of the gallery, breaking his arm. The patron filed a lawsuit against the organization for pain and suffering, medical bills and rehabilitation expenses.

  • Abuse and Molestation Claim: 
    A family sued the art gallery alleging negligent hiring of the director who went overboard when he improperly touched a patron.

  • Inland Marine Claim: 
    During an overnight trip, the art gallery director locked the art gallery's 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 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.

  • Directors and Officers Claim: 
    A donor made a large contribution to an art gallery. The funds were to be used primarily to expand and update the existing art gallery. Instead, the gallery's 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 nonprofit would be financially unable to return the entire donation.

  • Equipment Breakdown Claim: 
    A local art gallery had a broken shaft in a 400-hp centrifugal air conditioning compressor which caused the art gallery to shut down operations for one day. The incident resulted in $36,000 of property damage and $28,000 of business interruption. 


Additional Tools



Request a Certificate

Risk Management

Workers Comp

Equipment Coverage

Forms & Apps



2010 - present

2010 - present

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