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BrownGuard® security professional insurance, developed by... comprehensive coverage for private security guard contractors, proprietary security guard contractors, governmental security contractors, executive protection contractors, and private security contractors for homeowners associ...

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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