Historic House Museum Insurance

Historic House Museum Insurance is a a vital asset if you own of an American Historic House Museum. Let us help you secure your Historic House Museum Insurance. We make it easy. We Explain the Building Insurance Coverage, the Building Insurance Options and the best way to be Protected. Not insuring a Building is or leaving an asset as valuable as a piece of Real Estate to be insured by an amateur could be a costly mistake. Castle Rock Capacity Insurance Agency’s team of experienced underwriters can negotiate your coverage to obtain you the best coverage options with the best rates.

Historic House Museum Insurance Classes Available

Historic House Museum Insurance – Property Insurance – Hazard Insurance

Property Insurance or Hazard Insurance can cover the buildings that you own and/or business property in the building, against physical loss or damage.

If you don’t own your building, you’ll still need contents coverage. On the most policies, property insurance for business contents covers furniture, fixtures, inventory, office equipment and other supplies stored at your facility or off-premises. You may insure those items for replacement cost or for actual cash value(ACV), which pays only for the depreciated value of the property.

Replacement cost policies have higher premiums, however they can help your business recover from a loss faster. Since you can replace all of the lost or damaged property with new items. If you lease some of the equipment at your business, the leasing company may require that you insure the property at replacement value.

Historic House Museum Insurance Liability Insurance

The Liability Insurance portion of your Building Insurance Policy is designed to protect the business and the property owner against losses even if they are negligent or liable for damage, injury or loss to another’s property, reputation, or health. Typically, damages, legal defense fees and settlement charges are paid by the insuring company when a claim is filed against the business.

Bodily Injury Insurance Coverage

The Liability Coverage on a Building Insurance Policy may pay the affected person or firm for the cost of care, loss of services, and restitution for death that results from an injury that results on your building’s premises.

Property Damage Insurance Coverage

In the event your business causes damage to, or causes the loss of use of someone else’s property. Property damage coverage may pay for the value of the physical damage to the property; or the loss of use of that property.

Liquor Liability Insurance Coverage

If you’re not in the business of manufacturing, distributing, selling, serving or furnishing alcoholic beverages then the policy may be endorsed to protect you in case someone claims you are legally liable for a liquor-related accident.

Hired Auto & Non-Owned Auto

Hired Auto & Non-Owned Auto coverage if requested is typically added as an endorsement on a policy. If their are no vehicles owned by the company this coverage will meet the contract requirement for Commercial Auto coverage.

Hired Auto coverage replaces or augments the liability coverage offered by auto rental agencies for example

Non-Owned Auto coverage protects your company in the event that your company is sued as a result of an auto accident that you or one of your employees has in a personal vehicle while on company business.

Medical Payments

If someone is injured by you or at your business site, the policy may pay for medical and funeral expenses incurred, up to policy limits, within one year of the accident. For example, if a customer tripped and fell on your premises and had to be hospitalized.

Workers Compensation

Coverage for on the job injuries for your employees and volunteers, which is usually required by state law.

Business Income Coverage

This provides coverage for lost income if the building is damaged or destroyed as a result of a covered loss and needs to be repaired or rebuilt.

Personal Injury

Your Building Liability Coverage can provide coverage if you are accused of:

• Publishing inaccurate information that slanders or libels a person or organization.
• Creating material that violates a person’s right of privacy.
• Falsely arresting, detaining or imprisoning someone.
• Maliciously prosecuting someone.
• Wrongfully evicting someone.

Advertising Injury

In the course of advertising your company’s own goods, products or services. This policy can provide valuable liability protection against advertising injuries resulting from:

• Publishing inaccurate information that slanders or libels a person or organization.
  
• Creating material that violates a person’s right of privacy.
  
• Copying some other company’s advertising ideas or style of doing business.
  
• Infringing on another company’s copyright, title or slogan.
  

What is the average cost of Historic House Museum Insurance?

We’re asked this question all of the time and the reality is that it’s like asking the average cost of a building. Historic House Museum Insurance is based on several factors; location, construction, age, construction of the roof, fire safety devices, size, number of stories, who or what occupies it, as well as the type of occupants, and in your case, how many people visit you per year.

Castle Rock Capacity Insurance Agency currently offers Historic House Museum Insurance Policy Coverages in New York, NY, New Jersey, NJ, Pennsylvania, PA, Florida, FL, Massachusetts, MA, Vermont, VT, New Hampshire, NH, Georgia, GA, North Carolina, NC, South Carolina, SC, Tennessee, TN, Alabama, AL, Texas, TX, California, CA, Illinois, IL, Connecticut, CT, as well as the rest of America.

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Castle Rock Capacity Insurance Agency – Historic House Museum Insurance