Specialist community and public library insurance designed for your organisation
Public libraries are one of the most enriching and important organisations a community can have. That’s why you may want to protect yours financially with specialist insurance. Community and public library insurance through Ripe can include Public Liability, Building and Contents, Equipment, Business Interruption, and Employers’ Liability, meaning you can get cover for your library building, contents, and staff under one policy.
Why choose Ripe for library insurance?
Easy online experience
Getting a quote and taking out your cover online is quick and simple. And to make the whole experience even easier, we've done away with any lengthy forms and cut out any confusing jargon.
Tailored to your interest
We know that every group and club and what they bring to communities is unique. Which is why we give you the flexibility to tailor your policy, so you only ever pay for what you need.
Helping your budget go further
We know that your budgets are a big consideration. Which is why we focus on providing cover that doesn't break the bank, so you can concentrate on allocating more resources towards what truly matters.
What does public library insurance cover?
There are several cover options available when you take out a library insurance policy through Ripe. These can include:
Library insurance
- Public and Products Liability – up to £10m
- Employers’ Liability – up to £10m
- Building cover – up to £500k for damage caused by specific perils such as storm, theft or accidental damage
- Fixtures, Fittings and Tenants Improvements – up to £100k
- General contents – up to £250k
- Specialist Equipment and Portable Equipment
- Stock up to £100k
- Business Interruption – up to be £500k
- Professional Indemnity, including claims where someone has sustained an injury due to advice given
- Personal Effects
For full policy wording and details on what is and isn’t covered under a library insurance policy, visit our Important Documents.
Insurance for public libraries
Public library insurance through Ripe can help financially protect your community or public space against the risks it could face on a day-to-day basis.
Whether it’s cover for damage to your stock, or financial protection should a member of the public make a claim against you for an injury sustained on your premises, having public library insurance in place allows you to spend more time running your organisation and less time worrying about being left out of pocket should things go wrong.
Do community libraries need Public Liability insurance?
Though Public Liability insurance is not a legal requirement for libraries, having it in place can help to protect you financially should a member of the public make a claim against you.
The only mandatory insurance when setting up a library is Employers’ Liability cover, if you employ staff. This can either be taken out on its own through Ripe or selected alongside other cover.
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What does business interruption insurance cover for libraries?
Business interruption insurance can help cover your library should you have to close due to specific insured events that cause damage to your property, such as flooding or fire damage, where these are covered under your policy. Business interruption insurance could help cover any lost revenue or ongoing expenses, such as staff wages or rent, while your library is closed.
Are the books kept in my library covered?
Yes, where contents and stock cover is chosen, your library books and other similar stock (such as DVDs) could be financially protected should it be stolen or accidentally damaged.
Who is covered under a library insurance policy?
Through Ripe, any of the following will be insured under the policy where the relevant cover is selected:
- Directors or Partners
- Committee member or officer
- Employees
- With Public Liability cover, you can also get cover for hiring out your library for community social or fundraising events
Please note that damage caused by weather is not covered for playing surfaces in this policy.
How much does library insurance cost?
The cost of your library insurance will depend on several factors, such as the size and location of your library and the level of cover you choose.
The best way to get an accurate cost for your cover is to get a quote online.
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