Insurance for libraries

Insurance and risk support to help keep your library (and everyone in it) protected

Insurance and risk support to make life easier for your library

We know that libraries’ needs are ever changing. That’s why we’ve used our decades of experience to build an insurance package that’s as flexible as it is comprehensive.

We understand the not-for-profit sector and the risks community and public libraries can face. So if you're looking for protection for your staff and volunteers, buildings and contents, and your everyday liabilities, we can help. Because we want you to feel confident that you have the level of cover you need (and at a competitive price).

We also offer a wide range of cover and expert support, as well as an independent review of your current cover so we can help you fill any gaps. We’ll also be on hand to advise and guide you on risk management, so your property, employees, business reputation, and the public stay protected.

What does library insurance cover?

Whatever you need, we’ll help build an insurance package around you. Cover can include:

If you own your buildings or are responsible for them under maintenance agreements, you may need buildings insurance. Add-ons include accidental damage and subsidence, and we can also cover listed buildings. You can also add contents insurance for items in and outside of the property, including stock.

This protects your business for legal fees and compensation claims (including medical fees) if someone (such as a service user) is injured, or their property is damaged due to your library.

This covers your organisation for claims by employees, including volunteers and work experience trainees, who get a work-related illness or injury. Cover includes the legal defence and settlement costs.

Imagine being unable to continue operating due to a fire, or damage caused by a storm. Business interruption covers the loss of income or additional costs following physical damage to your library's property.

This covers the cost of compensating people (third parties) for loss or damage after accusations of negligent services or advice your library has provided.

Your organisation (and your reputation) could be severely affected if your data or network is compromised. Our cyber liability cover can support and protect you with effective cover against loss of income and claims made against you. You can also access legal advice and expertise to help minimise any damage.

Trustee Indemnity insurance offers financial protection for those who lead and run your library. With this cover in place, if they make alleged mistakes in the course of their duties, they’re financially protected for that accusation.

If you’re hosting events and things don’t go to plan, this can help cover the cost of cancellation and curtailment, money and damage to borrowed, hired or owned property, and more.

If you find yourself in need of legal help, this cover can help with the cost of legal representation and awards of compensation made against you. It can also cover the costs of pursuing a claim against someone else.

As well as these core covers, talk to our team about:

Asset protection
All risks insurance
Business travel insurance
Group personal accident

Why do you need library insurance?

Library insurance is built to protect your community or public library for its everyday risks. If you have employees, some types of library insurance will be a legal requirement (for example, employers’ liability insurance). But it’s important to identify all risks associated with running a library so you can get the protection you need to help address them.

From stock damage to injury to the public, you’ll want to know that you have the most comprehensive level of cover for your organisation.

Claims made easy

Our in-house claims service, and close relationships with insurance partners, makes for an easy and efficient process. We’ll be by your side throughout, ready to answer your questions and keep things moving.

✓ In-house specialists with deep sector and insurance knowledge
✓ Here when you need us in person, by phone, or email
✓ Timely, clear, and concise communications