Libraries play a fundamental role in society. They ensure that the entire community, regardless of income, can access a wealth of physical and digital resources on just about any topic. They provide valuable programming for children, seniors, and hobbyists of all stripes. And they are also a vital place for low-income residents to access the technology they need to apply for jobs and pay their bills. Libraries carry a steady flow of patrons and a host of unique hazards and risks.
Libraries need all the standard policies that any public entity does, such a general liability, property, workers compensation, and commercial auto insurance. However, there are certain coverages of particular importance to libraries, including:
- Library property floater – This coverage protects the library’s books, media, digital devices, and other property no matter where it is, whether it’s on the library shelf or at a borrower’s home.
Legal liability coverage: This covers costs related to errors or negligence resulting from the actions of directors, board members, or volunteers.
Legal liability coverage: This covers costs related to errors or negligence resulting from the actions of directors, board members, or volunteers.
- Cyber liability insurance – This policy covers damages related to data breaches on the library’s computers and network. Library computers are available to the public, so this coverage plus strong cyber security training is vital to protecting this crucial community resource.
- Crisis events – This coverage helps a library limit the negative impact of events on its reputation.
At Kamm Insurance Group we put our experience in insuring libraries to work for you. With a variety of insurance solutions, we can help you protect your library, staff, and your patrons in the event of unforeseen circumstances. We also offer proactive online training, with many courses covering risks libraries face, such as sexual harassment, detecting and preventing child abuse, avoiding back injuries, fire prevention, and more. Our convenient learning management system makes this training easily available to staff and volunteers. Let Kamm Insurance Group find insurance coverage to help keep your library safeguarded.
Source: https://www.uticanational.com/business-insurance/libraries/
