Library Insurance Program

By The Cover® is Brownyard Group's specialized insurance program designed exclusively for libraries. Developed in partnership with library insurance experts with decades of industry experience, the program addresses the unique risks faced by libraries with comprehensive, competitively priced insurance solutions. Policies are written through highly rated insurance carriers and are available through insurance agents and brokers.

Who We Insure:

Public Libraries
Private Libraries
Research & Academic Libraries

We’re ready to review your submissions today. Send full applications to [email protected] for clients you think might fit our program.

https://brownyard.com/insurance-programs/libraries-insurance/

CORE COVERAGES

General Liability

Employee Benefits Liability

Extended “Bodily Injury” Definition

Broadened Named Insured

Broad Additional Insured

Medical Payments for Athletic Participants

Good Samaritan Coverage for Medical Emergencies

Abuse or Molestation Coverage

Limits to $1M per occurrence/$3M aggregate

Business Auto
The Brownyard Business Auto Program is designed especially for the Library industry and offers:

Broad “Who is Insured” Coverage

Broad “Covered Auto Liability” Coverage

Broad “Towing and Labor Costs” Coverage

Plus many other enhancements to coverage

Commercial Property

Coverage on Buildings, Contents, Loss of Income, and Extra Expense

Flood or Backup of Sewers and Drains – $25,000

Ordinance or Law coverage – included up to building limit

Coverage for Property of Others in your Care, Custody and Control

Fine Arts – $35,000

Property in Transit -$50,000

Donation Assurance -$25,000

Property Off-Premises – $500,000

Inland Marine
The Inland Marine Program is designed to offer Mobile Property coverage including:

Library Book Floater (Borrowed Materials)

Unscheduled Equipment

Scheduled Equipment

Electronic Data Processing Coverage

Accounts Receivable

Valuable Papers

Employee Dishonesty (Crime)
Employee Dishonesty is offered to protect against service contractor employees who perpetrate dishonest acts against their customers. This can cover:

Administrators of Employee Pension and Benefit Plans

Employee Theft/Forgery

Money and Securities

Computer Fraud

Also Available:

Directors & Officers (D&O)/Employment Practices Liability (EPLI)

Wage & Hour Coverage

Excess Liability

Provides coverage over all of the underlying package policies

U.S. States Available

U.S. States Available:

Provider Type:

Managing General Agency

Admitted:

All Available States

Carriers:

Carrier Ratings:

-

Commission:

-

Min Premium:

-

Coverages:

Abuse and Molestation Insurance Library Cyber Liability Insurance Library Stock Insurance Local Government Business/Library Districts Insurance

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Brownyard Group has other insurance programs like Cemetery & Crematory Insurance Program.

Brownyard Group

Brownyard Group

Hi, !

Library Insurance Program

We’re ready to review your submissions today. Send full applications to [email protected] for clients you think might fit our program. https://brownyard.com/insurance-programs/libraries-insurance/ CORE COVERAGES

U.S. States Available

We’re ready to review your submissions today. Send full applications to [email protected] for clients you think might fit our program.

https://brownyard.com/insurance-programs/libraries-insurance/

CORE COVERAGES