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10 Reasons Why™

  1. Abuse and Molestation coverage available
  2. Broad replacement provisions on historical buildings
  3. Fine Arts coverage is available, including exhibits on display at other locations
  4. Equipment Breakdown coverage included
  5. Liquor Liability and Special Events coverage available
  6. Broad General Liability Enhancement includes coverage for $20,000 in medical payments, broadened named insured, and mental anguish
  7. Broad Property Enhancement form that includes but is not limited to: Historical Research Costs, Sewer and Drain Back-Up, and Ordinance or Law - Demolition Cost & Increased Cost of Construction
  8. Ultimate Coverage - broad proprietary property coverage form including Flood and Earthquake where available
  9. Blanket limits with agreed value (no coinsurance) available
  10. Interest-free installments available for accounts that generate at least $2,000 in premium

Museums 10 Reasons Why

Benefits of the Program

Philadelphia Insurance Companies offers a comprehensive package policy, including property liability and fine arts coverages that provides protection for the unique exposure of cultural institutions.

  • Enhanced Property Forms tailored for cultural institutions and historical buildings
  • Special Event, Liquor Liability, and Cyber Liability coverage is available
  • Blanket limits with Agreed Value is available
  • Coverage is included for Guest Personal Property, Foundations, Underground Pipes, Flues, and drains

NEW! PHLY developed a Fine Arts Collection form that provides "Wall to Wall" coverage along with the flexibility to tailor specific coverage enhancements for the unique exposures of a museum/cultural institution collection.

  • Wall to Wall coverage (including coverage while in transit and on loan)
  • Unique specialized coverage for the individual museum
  • Coverage while out on loan to others or on exhibition
  • Title Defense coverage
  • $100M by Location coverage limit
  • Restoration, Retouching, Conservation coverage
  • World Wide coverage
  • Lock and Key coverage
  • Shared Single Deductible
  • Specialized Dedicated Claims Adjusters

Supplemental Applications

Please select state specific forms when applicable.

Documents Required for Proposal

  • Completed ACORD Applications
  • Completed and signed Philadelphia Insurance Companies Museum Supplemental Application
  • Currently valued insurance company loss runs for the current policy period plus three prior years
  • Financial Statement
  • Schedule of Collections
  • Recent Appraisal for historic buildings and/or collections
  • Statement of Values (for blanket and/or agreed value)

Participant Accident Insurance

Participant Accident Insurance coverage is now available for this product through Philadelphia Insurance Companies' subsidiary, The Allen J. Flood Companies. Please complete the applicable application here and submit directly to info@ajfusa.com.

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