Judge our library insurance program by its cover.

Put our experience and expertise to work for you.

Open the Book to Comprehensive Library Coverage

The Regan Agency has been advising libraries on their coverage needs and insuring them for more than 35 years. In partnership with Utica National Insurance Group, the largest insurer of libraries in New York, we offer the most comprehensive Library Insurance Program in the Empire State. We insure everything from public libraries to special libraries, such as medical, law, research, or other special collections.

Our program includes Liability insurance if a patron gets hurt while on the property or during a library-sponsored event, and Property coverage for the building and contents if a fire or other covered hazards cause damage or if there is a theft. Directors & Officers insurance (D&O) is also included to protect an entity’s leaders against allegations of wrongful acts performed in their capacity as leadership of the institution. A D&O claim, for example, can involve allegations of mismanagement over a fundraising event. Employment Practices Liability Insurance (EPLI) is also available to protect the library against the cost of potential litigation involving employment disputes brought by employees, former employees, or prospective employees. Cyber Liability protects you from liability from theft of data, loss of data, and other expenses incurred from a breach of privacy.

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Coverage Highlights

At the Regan Agency we recognize that libraries today are more than books. They are media centers, community centers, field trips, and so much more. With Utica, we have developed an insurance program to cover a wide range of exposures, including these new areas of library operations. Coverage highlights include:

  • Directors and Officers Insurance – broad coverage for officers, trustees, volunteers
  • Employment Practices Liability Insurance
  • Cyber Insurance
  • Umbrella Insurance
  • Workers’ Compensation

Library Protector Endorsement Extends Coverage For:

  • Business Income/Extra Expense
  • Lock Replacement
  • Newly Acquired or Constructed Buildings
  • Arson or Vandalism Award
  • Glass
  • Data Processing Coverage, including hardware, software, and extra expense
  • Money and Securities, both on and off premises
  • Employee Dishonesty

Library Amendatory Endorsement Extends Coverage For:

  • Personal Property of Others
  • Valuable Papers and Records
  • Trees Shrubs and Plants
  • Outdoor Signs
  • Property In Transit

Library Property Floater Coverage Form

This Property floater provides coverage on an agreed-value basis for books, periodicals, documents, newspapers, sheet music, DVDs, CDs, and other electronic media, special collections, pictures, paintings, sculptures, fine arts, and much more. The agreed-value coverage ensures that the library is paid the right amount at the time of loss.

We also help you prevent risk through claims management and implementation of safety strategies.

We’re Ready to Serve Your Insurance Protection Needs 

We invite you to learn more about the Regan Agency and to give us an opportunity to show you how we can take care of your business and personal insurance needs. Just give one of our professionals a call at 631-669-3434.