Cultural Organizations Business Insurance

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Cultural Institutions Face Unique Risks

Cultural institutions face unique risks. Patrons slip or fall at events. Credit card information becomes compromised. Artwork, stage props, and other property are damaged. Even so, cultural institutions can feel confident knowing The Hartford is here to help them reduce risk and prevail through the unexpected.
Recommended Coverage for Cultural Organizations
Helps protect the property a cultural organization owns and leases, including things like equipment, inventory, furniture, and fixtures. Coverage can also be tailored by the organization to fit the specific needs of museums, theaters, and other cultural institutions.

This can include coverage if:
  • The organization is unable to process electronic data.
  • The institution loses income because utility services are interrupted.
  • The business is unable to complete transactions because transmission lines are damaged.
Our General Liability Choice® policy from The Hartford helps covers property damage, including damage to rented properties, and accidents related to running a cultural organization. This policy can also help protect the assets of a cultural institution if it is sued for negligence, personal injury, libel, slander, errors, omissions, misrepresentation in advertising, and more. General Liability Choice® automatically covers employees, as defined by the policy, and can easily be extended to cover others when needed.
Helps cultural organizations and the people who work for them pay for damages and defense costs if they’re sued because they acted inappropriately, made an error or omitted something important when performing professional duties. Because businesses can differ in size and exposure to legal risk, The Hartford offers customized coverage that different types of theaters, museums and other institutions can tailor to their needs. 
Helps cover common risks to cultural organizations including loss of data due to things like computer viruses, malicious code or hardware theft. Also covers costs related to the loss or theft of identifiable employee or client data including notifying impacted individuals, lawsuits, and public relations costs.
Additional Solutions for Cultural Organizations
The Hartford is a leading provider of Workers’ Compensation Insurance. XactPAY® offers pay-as-you-go workers’ compensation premium payments based on actual monthly payroll figures to help better manage cash flow fluctuations and minimize audit adjustments. Best of all, this is offered at no extra cost.
Helps cover the vehicles that a cultural organization owns, leases, rents or borrows – on the road and off. At no additional cost, commercial auto insurance helps cover electronic equipment in vehicles, lease and loan gaps, and provides a wide range of specialized services designed to help businesses improve their drivers’ safety.
The Hartford offers U.S. domiciled companies a spectrum of coverage that goes far and wide. Whether you need to cover employees traveling abroad or a whole overseas enterprise, The Hartford can offer the right package of protection with options ranging from The Hartford Passport Package to The Hartford’s Controlled Master Policy (CMP) with local multinational policies – in one coordinated insurance program.
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In CA by Sentinel Insurance Company, Ltd. (CA license # 8701) and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including issuing company, Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.