What Kind of Insurance Coverage Does a Library Need?

School Library

When you run a library, your main objective may be to make education accessible to the public. Back to school library programs are a great way to do this. There are unique risks involved in this endeavor. You must protect the property and materials under your care.

Protecting Property

The library is more than just books. While it’s important to protect your collection, as seen on www.reganagency.com, you also need to make sure you have enough insurance coverage for other valuable property, such as art, electronic equipment, and materials on loan from other libraries. The more events you host at your particular branch, the more important this protection becomes.

Protecting People

The library staff is often tasked with ensuring the safety and comfort of its patrons. This is especially important during special events:

  • Storytime
  • After school clubs
  • Book club meetings

Having general liability coverage is sufficient if someone is injured physically, but it doesn’t cover other potential legal issues. If, for example, a volunteer says something inappropriate during back to school library programs, you must be prepared for potential legal action and have the right policy to cover related expenses.

It is important to protect both the people and the materials in your library. By making sure your library is adequately insured, you can be prepared for whatever problems come along.