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Coverage for an art gallery, show, guild, program or organization can include:
General Liability Directors and Officers Liability Employment Practices Liability Abuse and Molestation Special Events Professional and Cyber Property Equipment Breakdown Business Income Liquor Auto Umbrella Inland Marine Employee Benefits Liability Blanket Additional Insureds
Directors and Officers Liability
Employment Practices Liability
Abuse and Molestation
Professional and Cyber
Employee Benefits Liability
Blanket Additional Insureds
Art gallery claim examples
A water pipe bursts in an art gallery, resulting in extensive damage to the paintings and building. In addition, the incident causes the cancellation of two events, forcing management to refund two nights’ worth of ticket sales. The organization suffers a loss of $50,000 for property damage and business income.
General Liability Claim:
A patron attending an art gallery slipped and fell in the bathroom of the gallery, breaking his arm. The patron filed a lawsuit against the organization for pain and suffering, medical bills and rehabilitation expenses.
Abuse and Molestation Claim:
A family sued the art gallery alleging negligent hiring of the director who went overboard when he improperly touched a patron.
Inland Marine Claim:
During an overnight trip, the art gallery director locked the art gallery's equipment in the van and spent the night at a hotel. Later that night, someone used a crowbar to pry open the van and stole all the equipment. The next morning the director noticed that the equipment was missing and notified the police. A total of $9,700 of equipment was stolen.
Directors and Officers Claim:
A donor made a large contribution to an art gallery. The funds were to be used primarily to expand and update the existing art gallery. Instead, the gallery's executive director and board of trustees, decided to use the funds to take a trip to see a Broadway musical. The donor filed suit, alleging misappropriation of funds. The damages included return of the full contribution plus interest. As some of the money was already spent, the nonprofit would be financially unable to return the entire donation.
Equipment Breakdown Claim:
A local art gallery had a broken shaft in a 400-hp centrifugal air conditioning compressor which caused the art gallery to shut down operations for one day. The incident resulted in $36,000 of property damage and $28,000 of business interruption.
A minor attendee was served alcohol at an art gallery held in Tampa. After leaving the art gallery, he lost control of his vehicle and struck a telephone pole. The accident resulted in severe facial lacerations. He brought suit against the art gallery sponsor and the beer vendor for illegal service to a minor. The minor’s medical bills currently total $150,000.
Host Liquor Liability:
A guest was drinking heavily at an art gallery showing held in Jacksonville. While driving home, she lost control of her vehicle and hit a tractor-trailer head on. The driver of the truck suffered severe injuries, and brought suit against the host of the party for negligence in serving the intoxicated guest. The driver’s injuries currently total $300,000.