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Specialist Insurance for Arts, Culture, Heritage & Historic Buildings
Australia is fortunate enough to have a wide range of wonderful heritage and historic buildings reflecting a valuable architectural snapshot from times gone by as well as unique and iconic arts and cultural centres. Preserving such treasured buildings is essential so that our children and future generations can experience and appreciate the architectural artistry of the special and distinctive buildings from our past. Ansvar provides specialist insurance and risk solutions designed to protect arts, cultural, heritage and historic buildings including historic houses, museums and charitable institutions, theatres, visitor attractions of historical importance and other historic buildings such as older libraries and learning institutions.
Risk Management
At Ansvar, we understand Heritage and Historic buildings have quite unique risks and understand the need for specific requirements including reinstatement should a loss occur, the security risks involved, fire protection hazards and providing a safe environment.
Common risks in the Arts, Culture and Heritage sector include vandalism, financial loss, damage to property and protection of relics.
& Equipment
Enterprise Risk Management
Our ERM Solutions
At Ansvar, our team of ERM experts can help assess specific areas of risk and identify invaluable techniques for improving organisation wide practices to minimise such risks. Our ERM solutions include the provision of risk advice, risk assessments, risk insights and a range of risk tools and resources to help protect and safeguard people under your care.
Arts, Culture & Heritage Insurance
Our policies have been designed specifically to protect your client buildings and includes covering property damage, loss of revenue following an insured event, loss of money, burglary, extra cost of reinstatement, replacement of glass and importantly replacing stained glass and leadlight. We also have a dedicated risk team who can ensure your clients understand any risk improvements required to help prevent and avoid potential future losses from occurring.
General Public & Products Liability
Public and Products Liability insurance protects the Insured organisation for personal injury or property damage claims from a third party. Personal injury or Property Damage can occur in many ways, for example lack of maintenance of premises, provision of group activities, community events, the selling or donation of products, food handling or lack of attention to the people in the Insured’s care can pose risk of injury or damage occurring. In the event that the organisation is deemed liable for injury or damage, the General Public and Products Liability policy is designed to pay compensation to the third party.
Management Liability
Management Liability Insurance protects you and your Community Service or Not for Profit organisation against operational risks and exposures. It is a packaged executive protection insurance policy that typically includes:
- Entity Liability
- Directors and Officers Liability
- Entity Reimbursement
- Employment Practices Liability
- Trustees Liability
- Statutory Liability
- Internet Liability
- Entity Crisis Cover
It is designed to protect an organisation, its directors, officers and employees against:
- Regulators
- Employees
- Competitors
- Creditors
- Shareholders (especially minority shareholders)
- Clients
Most common types of claims under Management Liability Insurance:
- Breaches of director’s duties and/or fiduciary duties, including breach of trust
- False, misleading conduct by directors/officers and
- Actions alleging improper and illegal conduct
- Statutory breach of duty i.e. under legislation
- OH & S prosecutions and inquiries
PROFESSIONAL INDEMNITY INSURANCE
Professional Indemnity insurance covers you for a claim made against you or your employees during the period of insurance as a result of a breach of professional duty and includes cover for:
- Claims preparation costs
- Continuous cover
- Court attendance costs
- Good Samaritan acts
- Indemnifiable fines and penalties
- Investigations and inquiries
- Joint venture
- New subsidiaries
- Public relations expenses
- Run-off cover
- Spousal liability
- Vicarious liability
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1300 650 540
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