Library Insurance

We cover all types of libraries including public libraries, academic libraries, school libraries, special libraries, private collections, and mobile library services.

Book collections can be valued using replacement cost, market value, or agreed value methods. We work with specialist valuers for rare books and provide guidance on appropriate coverage levels.

Our policies cover fire and water damage to collections, including specialist restoration costs, replacement expenses, and temporary storage during recovery work.

Yes, public liability insurance covers library events, children's programs, author visits, workshops, and community activities held on library premises or off-site.

Cyber liability insurance covers data breaches, system failures, ransomware attacks, and GDPR compliance issues affecting library management systems and patron data.

Yes, our policies include coverage for volunteers working in libraries, including personal accident insurance and liability protection for volunteer activities.

Professional indemnity insurance covers copyright infringement claims arising from library services, including legal defense costs and compensation payments.

Yes, we provide coverage for mobile libraries including vehicle-based services, outreach programs, and book delivery services with appropriate transit protection.

Public liability insurance covers visitor injuries, slip and fall accidents, and property damage claims, including legal defense and compensation costs.

Rare and valuable books may require additional coverage or separate fine art insurance depending on their value and the level of protection needed.

Property insurance covers computers, servers, printers, and IT equipment against theft, fire, and accidental damage, including business interruption during replacement.

Standard exclusions include deliberate damage, wear and tear, gradual deterioration, and criminal acts. Full exclusions are detailed in policy documentation provided during quotation.

We typically need details about your library type, collection size and value, visitor numbers, staff levels, building details, and any previous claims history.

Transit coverage protects books during interlibrary loans and transfers, covering loss, damage, or theft while materials are in transit between libraries.

Contact us immediately on 0330 127 2333. We provide rapid claims processing with specialists who understand library operations and the importance of maintaining public services.

Cyber liability insurance covers digital collections, online databases, and electronic resources against corruption, unauthorized access, and system failures.

Professional indemnity is recommended for libraries providing research assistance, information services, and professional advice that could result in financial loss claims.

Contract works insurance can cover renovation projects, while our standard policy may need adjustment during major building works to ensure continued protection.

We offer flexible payment terms including annual or monthly payment options to help manage insurance costs for library budgets and local authority requirements.

Special collections, archives, and manuscripts may require enhanced coverage with specialist valuation, conservation-grade storage requirements, and restricted access provisions.

Library insurance costs typically range from £1,500-£4,000 annually for small public libraries, £4,000-£10,000 for medium academic libraries, and £10,000-£25,000+ for large university libraries with extensive collections. Costs depend on collection value, visitor numbers, building size, and coverage levels required.

Public libraries with employees are legally required to have employers liability insurance. While public liability isn't legally mandatory, it's essential for visitor protection and most local authorities require comprehensive coverage for public-facing services.

Yes, academic libraries often need enhanced coverage for valuable research collections, student activities, international loans, and specialized equipment. They may also require higher professional indemnity limits for research support services.

Rare book collections require specialized fine art insurance or enhanced collection coverage with agreed values, conservation-grade storage requirements, and specialist restoration provisions. Standard book insurance may not provide adequate protection for valuable items.

Yes, library insurance premiums are typically tax-deductible business expenses for private libraries and allowable costs for public sector libraries within their operational budgets and local authority accounting frameworks.

School libraries need public liability for student safety, collection insurance for books and resources, employers liability for staff, and enhanced coverage for children's activities and educational programs.

Yes, libraries providing public computer access need cyber liability insurance for data breaches, public liability for equipment-related injuries, and professional indemnity for internet safety and content filtering responsibilities.

Property insurance covers theft of books, equipment, and furnishings, while public liability covers vandalism damage. Enhanced security measures may reduce premiums and improve coverage terms for high-risk locations.

Yes, public liability insurance covers author events, book launches, and literary festivals. Large events may require additional event insurance with enhanced coverage for performers, equipment, and increased visitor numbers.

University libraries need comprehensive coverage including valuable collection insurance, public liability for students and researchers, professional indemnity for research support, and cyber liability for digital resources and databases.

Yes, cyber liability insurance covers GDPR fines, data breach response costs, and privacy violation claims arising from library patron databases, borrowing records, and digital service usage data.

Buildings insurance covers structural damage from floods and fires, while contents insurance protects collections and equipment. Business interruption insurance covers service closure costs and alternative premises expenses during repairs.

Yes, public liability insurance covers children's activities including storytimes, craft sessions, and educational programs. Enhanced child protection coverage may be needed for regular children's services and holiday programs.

Private libraries need specialized collection insurance with agreed values, fine art coverage for rare items, public liability if offering access, and professional indemnity for appraisal or advisory services.

Yes, cyber liability insurance covers digital lending platforms, e-book licensing disputes, system failures, and data breaches affecting digital borrowing services and patron privacy.

Employers liability covers staff injuries during solo working, while personal accident insurance can provide additional protection. Enhanced security measures and lone working policies may be required for coverage.

Yes, public liability insurance covers outreach activities including home visits, community center programs, and mobile library services. Transit coverage protects books and equipment during transportation.

Legal libraries need enhanced professional indemnity for legal research support, valuable collection coverage for law reports and statutes, and cyber liability for legal database access and confidential information.

Yes, volunteer insurance covers unpaid helpers including personal accident protection, public liability for volunteer activities, and management liability for volunteer coordination and training responsibilities.

Contract works insurance covers renovation projects, while existing policies may need adjustment during building work. Collection storage and protection during construction requires specialized transit and temporary storage coverage.

Professional indemnity insurance can cover research support errors and information accuracy claims. Academic libraries may need enhanced coverage for research integrity issues and scholarly communication responsibilities.

Medical libraries need enhanced professional indemnity for clinical information support, specialized collection coverage for medical texts, and cyber liability for health database access and patient information security.

Yes, public liability and management liability insurance cover disability discrimination claims, accessibility failures, and reasonable adjustment disputes under the Equality Act 2010 requirements.

Business interruption insurance can cover closure costs during health emergencies, while cyber liability supports increased digital service demands. Pandemic coverage may require specific policy extensions.

Cyber liability insurance covers social media liability, online defamation claims, and digital reputation management costs arising from library social media activities and online community engagement.

Archives require specialized fine art insurance with conservation-grade storage requirements, environmental controls, restricted access provisions, and expert valuation for irreplaceable historical documents and manuscripts.

Professional indemnity insurance covers interlibrary loan errors, lost item disputes, and copyright infringement claims arising from document delivery and resource sharing services between libraries.

We provide claims advocacy support and can arrange independent loss adjusters or legal representation. Our policies may include legal expenses coverage for insurance disputes, helping challenge declined claims through proper appeals processes.