Specialist community and public library insurance designed for your organisation
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Library Insurance
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Why choose Ripe for library insurance?
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Quick and simple from start to finish
Check your cover options online in minutes, with no long forms and everything explained in plain English.
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Public and Products Liability up to £10m
Help with protection against claims for injury or damage, giving you peace of mind as you run your organisation.
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Choose the cover you want for libraries
Insurance designed for libraries, allowing you to choose cover options, meaning you won't pay for any cover your organisation doesn't need.
Why consider library insurance?
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.
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:
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
Equipment and Portable Equipment
Stock up to £10k
Business Interruption – up to £500k
Professional Indemnity, including claims where someone has sustained an injury due to advice given
Personal Effects
For the full policy wording and details on what is and is not covered under a fishery insurance policy, see our Important Documents page.
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.
Library insurance FAQs
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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.
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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.
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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.
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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.
Refer your friends and get rewarded
If you choose to refer your friends to us, not only will we reward you with a £50 voucher of your choice, but your friends could make some great savings too!
Content reviewed: February 2026
Content reviewed by: Dan Dawson