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Insurance Coverage

Museums and Cultural Institutions: Unique exposures

Goudi Building Museum

Your priceless collections and exhibits are what pull visitors through your doors. But keeping those visitors safe – as well as your employees, volunteers, building and reputation – is what keeps those doors open. Travelers has years of experience working with museums and cultural institutions. We understand your industry. We can help you with your insurance needs – from protecting your fine art collections, to covering your property risks to providing general liability coverage to workers compensation.

Fine art expertise

We offer Museums and Cultural Institutions customized product and service offerings. Our Inland Marine division is a Fine Art market leader that provides flexible solutions for your unique needs:

  • Local underwriting presence with fine art expertise
  • Broad, worldwide coverage at current market value
  • Coverage for exhibitions, loans and items while in transit
  • High capacity for high-value collections
  • On-site risk control consultations to help enhance facility and collection management
  • Dedicated fine art claim team committed to proper claim handling for unique valuable objects
  • Access to our Special Investigations Group who focuses on theft prevention and recovery of stolen property
One company for property exposures

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Negative Review and Freedom of Speech

Are you buying a fair amount of goods or services online and sometimes wish to leave a negative review? Do you always read the ToS fine print? Have you heard of a so called “disparagement clause”?

If you own a business and are exposed to online reviews think twice before adding disparagement clause to your ToS contract, as such can be found as violating rights of free speech.

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Commercial Kitchen Fire Safety

commercial grade kitchen equipmentOperation of a commercial grade kitchen, many safety considerations should be addressed, including food safety, employee and volunteer safety, and fire safety. This blog post addresses the specific issues associated with providing adequate fire safety for your kitchen.

Commercial cooking operations are defined as kitchens that have cooking equipment that produce grease and grease laden vapors. This includes flat grills, char broilers and deep fat fryers. The typical residential range (electric or gas) would not be considered a grease producing appliance. Other equipment, such as ovens, microwaves and steam kettles also fall into the non-grease producing appliance category. The following is information regarding two of the most common types of equipment that produce grease and/or grease laden vapors.

Deep Fat Fryers

Deep fat fryers are a major cause of kitchen fires. Oil can splash and easily come into contact with an open flame from an adjacent piece of cooking equipment, such as a gas-fired range top. A 18-inch clearance must be maintained between the deep fat fryer and the open flame cooking equipment. If a 18-inch clearance is not possible, a vertical steel barrier extending 12 inches above the top of the deep fat fryer or open flame appliance(s) can be used as an alternative means of protection.Read More »Commercial Kitchen Fire Safety

Protect your personal information from online risks

Going online has become part of everyday life – whether for shopping, sending emails or paying bills, or managing accounts. However, many worry that technology-related issues, including unsolicited emails and unsecured websites, can affect information stored online. The 2013 Travelers Consumer Risk Index shows that 41% of Americans worry about computer and technology issues. These were ranked second among the top five risks causing the most concern. Taking precautions when browsing the Web can help reduce your risk of a cyber attack. Read these tips to learn how to help stay safe online.Read More »Protect your personal information from online risks

Get Liability Insurance for Holiday Lights

Whether you are a main street business owner in Buffalo, N.Y.’s or small cafe in San Francisco, CA don’t wait for the city threatening to pull the plug on a holiday tradition. You better not take your chances and plug holiday light displays into street light poles unless you hire licensed electricians to do the work and take out liability insurance of at least $1 million. Putting up festive holiday lights is a tradition for owners of the shops, restaurants and other businesses along the U.S. Many of us string the lights in trees and plug them into sockets on… Read More »Get Liability Insurance for Holiday Lights

Coverage options for your barber and beauty business

Beauty Salon Parlor InsuranceCoverage for barber and beauticians professional liability is automatically included for your “employees” under the commercial general liability coverage form. We have the ability to provide professional liability coverage for barbers and beauticians that are independent contractors – this optional coverage is available for $25 per independent operator under the Additional Insured-Independent Operators form -CG T567 (11-03).

The form does require each operator be scheduled. For additional information, contact us via email or call 877-239-0067

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Faulty Workmanship Coverage Endorsement

What is the Faulty Workmanship Coverage Endorsement? Contractors Faulty Workmanship Coverage is a new and unique endorsement that provides a $10,000 limit to protect your clients against claims arising out of faulty workmanship, materials or products. These claims would otherwise be excluded by the “business risk” exclusions found in every standard ISO Commercial General Liability policy. In states that require a contractors license bond, claims arising out of faulty workmanship, materials or products may also be made against the contractor’s license bond. If the bonding company pays any such claim, the contractor must repay the bonding company. The contractor’s failure… Read More »Faulty Workmanship Coverage Endorsement

Private Choice Ovation – Comprehensive Insurance Protection

Today’s complex economic, regulatory and legal climate leaves little margin for error in running a business. Do you have the necessary comprehensive insurance protection needed to defend against all of the exposures you can face running a business in this environment? Paperless Insurance Services in partnership with A+ rated Hartford Insurance Company is excited to introduce Private Choice OvationSM (Ovation), a new and enhanced management liability coverage offering from The Hartford. Designed to help protect businesses from unforeseen loss, Ovation offers an exclusive suite of products with customizable coverage parts and limits to meet your client’s specific business needs. These coverages can help… Read More »Private Choice Ovation – Comprehensive Insurance Protection

FEMA National Preparedness Report 2013

Presidential Policy Directive 8: National Preparedness, requires an annual National Preparedness Report (NPR) that summarizes national progress in building, sustaining and delivering the 31 core capabilities outlined in the National Preparedness Goal. The 2012 NPR highlighted preparedness accomplishments in the decade since the September 11, 2001 attacks and the 2013 NPR focuses on accomplishments either achieved or reported on during 2012. The 2013 NPR presents an opportunity to reflect on the progress that whole community partners—including all levels of government, private and nonprofit sectors, faith-based organizations, communities and individuals—have made in strengthening national preparedness and to identify where preparedness gaps… Read More »FEMA National Preparedness Report 2013

No-Fault Auto Insurance Reform

According to a recent statewide poll commissioned by the Coalition for Auto Insurance Reform (CAIR), an overwhelming number of Michigan voters believe their auto insurance premiums are too high and support no-fault reform legislation that would lower their auto insurance costs. The poll revealed that voters are concerned about the high cost auto insurance – 70 percent said their auto insurance premiums were too high. The belief that auto insurance rates are too high is shared by voters across all age groups, political parties and beliefs, especially among the following demographics: 88 percent of Detroiters 75 percent blue collar workers… Read More »No-Fault Auto Insurance Reform