Insurance Links for Cultural Heritage Centers
Event renters and their vendors buy their own liability coverage through one link, with your heritage center named as additional insured.
Set up my link →How insurance works at cultural heritage centers
Facility rental is how a lot of museums and heritage centers fund programming. It also means receptions, weddings, and corporate events happening a few feet from collections, historic finishes, and buildings that are themselves the artifact.
The renter is one exposure. The caterer with warming equipment, the rental company rolling carts across a historic floor, the band loading gear through a doorway built in 1890 — those are the ones that put the collection at risk, and they're independent businesses.
A renter link and a vendor link cover both, and both name your center on each policy issued through them.
What you're actually exposed to
- A guest is injured on historic stairs, uneven floors, or in a gallery during a private event.
- A caterer's or rental vendor's equipment damages a historic finish, case, or object.
- Lighting, decor, or staging damages a building element that can't be replaced.
- An outside vendor carries no coverage and the center absorbs the loss.
There are two links — most places need both
A renter's policy covers their event. It does not cover the food vendor they hired or the band they booked. Those are separate businesses with separate exposure, so they need their own coverage — and you need to be named on that too.
Whole-space link
For the person or company renting your entire space for their own event. They buy a TULIP for the dates they have the place, and you're named as additional insured on it.
Weddings, receptions, reunions, birthday parties, clubhouse rentals, conferences, corporate offsites, fundraisers, memorials.
Vendor link
For each business working inside the event — they buy their own policy for their own booth or act, and your grounds are named on each of those policies.
Food vendors, entertainers, product and merchandise sellers, antique dealers, clothing sellers, crafters, service vendors.
You can set up one or both on the same form below — there's no extra cost either way, and the renters and vendors buy their own coverage.
How it works for your grounds
Require proof of insurance from your vendors and space renters without collecting it by hand. One set-up, then the certificates come to you instead of you chasing them.
You Sign Up
Complete a short one-time form to open your grounds' account — free, no obligation.
We Create Your Links
We build a custom link for whoever rents the whole space, and one for your vendors.
You Share Them
Put the links in your vendor packet, booth application, rental contract, or event page.
They Buy Coverage
Each vendor or space renter buys their own event liability policy in minutes.
Certificates Auto-Issue
A certificate naming your grounds as additional insured is emailed to them and to you.
Your vendors are eligible too
It isn't only the person who rents your center. The businesses that work your events can buy their own event liability coverage through your vendor link — for a single day, a weekend, or a whole season of dates.
Booths, stands, concession trailers, and food trucks serving at your event.
Bands, DJs, dancers, magicians, face painters, and stage acts.
Booths selling goods, gifts, souvenirs, or packaged products.
Flea market, swap meet, and estate dealers selling from a booth.
Boutique, vintage, and apparel vendors working your market.
Handmade goods, art, jewelry, candles, and maker booths.
Rentals, staffing, inflatables, photo booths, and setup crews.
Host something that isn't on this list? Tell us on the set-up form and we'll confirm whether it's eligible.
Each vendor is named on their own policy and your center is named as additional insured — so one vendor's claim stays with that vendor.
Ready to set up your link?
Set-up takes about two minutes and costs you nothing — the renter or vendor pays for their own policy. We provision your custom link from there.
Free to set up · No contract · The renter or vendor pays for their own policy
Set up your link
Complete this one-time form and our team will provision your custom link. You'll receive it by email once your account is set up.
Frequently asked questions
Should we require vendors to carry coverage too?
At a heritage site, yes. Most realistic damage comes from vendors setting up and breaking down, and a renter's policy generally won't respond to a caterer's or rental company's own work.
Can we require a higher damage-to-premises limit?
Yes. $300,000 is included and you can require more on your link. The added premium is charged to the renter, not the center.
Does coverage address damage to collections?
A general liability policy addresses property damage a renter or vendor causes, but collection items may warrant separate treatment. It's worth telling us what's on site when you set up your link.
How does our center get named as additional insured?
Automatically. Your exact legal name and mailing address are built into your link, so each policy bought through it names our center as additional insured without anyone having to request an endorsement from an agent.
Is everything eligible?
No. Coverage is subject to the carrier's eligibility rules, and some events and activities can't be written. Your link tells someone up front if they don't qualify, so nobody shows up thinking they're covered.