Is any of the Art on our premises owned by someone else than our Museum or Art Gallery?
If so, is the insurance covering our Museum or Art Gallery broad enough to cover art owned by others while that art is kept at our facility?
If not, have we secured the necessary documents to reduce or eliminate the chance of being sued by either the art’s owner, or their insurer, in the event we are blamed for damage to that art?
Do we have adequate limits to replace our building or contents if we suffer a loss?
Have we calculated replacement cost of our building, to avoid being penalized for underinsurance in case of a claim? If not, how will we establish that replacement cost?
Hurricane Season comes every year - Are we subject to a separate wind deductible or early cancellation penalties?
What are the risks of having windstorm coverage that expires during hurricane season? Should we consider buying flood insurance?
Do we need to insure Outdoor Property? Signs. Fences. Carports. Ancillary Buildings. If we have others property stored on our premises, is it covered under our policy?
What about coverage for Mechanical Breakdowns, Backed-Up Drains, Sewer Lines, Law and Ordinance, Business Income, or Lost Rents?
Will my property insurance cover damage from flood water? What does flood insurance cover? Do I have to buy flood insurance on my commercial property?
How do I know what my risk is of being flooded? Where can I buy flood insurance? How much flood coverage can I get?
If I purchase flood insurance now, when will I actually be covered?
Do our General Liability and Umbrella/Excess Liability coverages cover SPECIAL EVENTS both on and off our premises?
Do our General Liability and Umbrella/Excess Liability coverages cover Liquor Liability claims for our selling, serving, or assisting in the purchase of alcoholic beverages at SPECIAL EVENTS as well as at other times?
Do our General Liability and Umbrella/Excess Liability coverages cover any catering or other food service that we might do for SPECIAL EVENTS or any other time, including Products Liability?
Do our General Liability and Umbrella/Excess Liability coverages cover any damages or injuries caused as a result of any Valet parking we sponsor or provide at SPECIAL EVENTS or any other time?