Risk management
Risk assessment
Risk assessments can help you decide if reasonable precautions are in place to protect your employees and others who may be affected by your activities.
More than just insurance
Art historians and heritage specialists complement our insurance expertise at Ecclesiastical. This combined experience means that we have a comprehensive understanding of the unique nature of your buildings, artwork and collections.
Doing more to support our culture
Our collaboration and partnerships with key organisations like Historic England and The Heritage Alliance, coupled with over 130 years of experience insuring the UK’s culturally significant buildings and providing support to the sector, have helped us build a library of guidance, advice and support for our customers.
Providing specialist cover for organisations involved with arts and culture
Our Arts and Culture policy provides cover for your physical risks as well as your liabilities. We can also provide specialist cover for art and collections including cover for exhibitions.
Risk management services
We provide a bespoke risk management assessment as well as specialist buildings valuations1. For ongoing support, you will have access to our risk advice line and we’ve also developed a Preferred Supplier Network with leading market specialists to help you avoid or mitigate any risks to which you feel you are exposed.
Nobody ever wants to be flooded, but on the evidence of this episode the best thing that can happen to you if you are to be flooded is to be insured by Ecclesiastical.
Arts and Culture product highlights
Our Arts and Culture insurance can be tailored to individual needs to give your organisation the cover it needs. Policies can include:
- Buildings and contents
- Business interruption
- Reputational risk
- Trustee and management liability
- Cyber
- Employers’ liability
- Public liability
- Directors’ and officers’
- Loss of licence
- Equipment breakdown
- Fine art, collections and antiques
- Loss of money
- Fidelity guarantee
- Hirers’ liability
- Legal expenses
- Group travel
- Personal accident
- Professional indemnity
- Engineering inspection.
We understand you may be concerned with data safety, as such we can enhance your reputational risks cover, add cyber cover and give you a PR crisis helpline to deal with any immediate situations.
For our full summary of cover please view our Arts and Culture policy summary.
1Subject to underwriting criteria
Documents
FAQs
Do I need public liability insurance?
Public liability insurance provides cover for an organisation’s legal defence following an incident where a member of the public has suffered an injury or property damage as a result of an incident connected to the organisation. Though cover is not required by law, claims can be costly and therefore insurance is recommended to protect against the financial and reputational impact of a claim.
In addition to providing insurance cover, we provide advice on how to keep evidence of risk assessments and procedures which may help defend your organisation in a public liability claim.
What is a buildings valuation?
In insurance terms, a building valuation is to assess the cost of reinstatement of the building. It can be difficult to calculate this value as there are many considerations including; architects fees, restoring original features, debris clearance and specialist considerations.
Ecclesiastical has been insuring buildings for more than 130 years and by carrying out a building valuation, we are helping to find a more accurate value for your building insurance cover and avoid the risk of underinsurance.
Who can Arts and Culture insurance cover?
Our arts and culture policy can be built from the ground up to suit your organisation. We can provide insurance for libraries, galleries, museums, boutique cinemas, theatres, concert halls, public art galleries, historic societies and model villages.
Can I purchase additional cover for fine art and collections?
Ecclesiastical has specific standalone Fine Art insurance for organisations. The product gives you the option to place collections held at your premises with Ecclesiastical’s specialist fine art underwriters. You can buy a standalone cover or add fine art as an addition to your existing policy. Please speak with your insurance broker for more information.