The modern library. A vast repository of information. Not just books anymore. Videotapes, microfilm files, records and compact discs. Computers. Modern media for modern times. Shouldn’t your insurance coverage keep pace with progress as well?

Your Community Depends on You. You Can Depend on Utica National
Utica National has witnessed and applauded the evolving role of the library in the community, and
we’ve evolved with you. As a specialist in library coverages, Utica has developed insurance to cover
potential losses for new areas of library operation, as well as the more traditional ones. With more than 90 years of experience, Utica has earned a reputation as a leader in the property-casualty insurance field. Our experienced professionals in underwriting, claims, loss control and risk management will work with you and your agent to protect your library from potential losses that can result from today’s expanded library activities.

Books and Beyond
We recognize that libraries today encourage their patrons not only to learn from books, but also to apply the knowledge they’ve gained. Library-sponsored field trips, equipment-lending programs and bookmobiles are just a few examples of the many new areas of library exposure. Only a specialist in library risk, like Utica National, can help you properly assess and address these many new areas of risk.

A Summary of Coverages Available Through Utica's Library Program
In addition to coverage for your Commercial Property, General Liability, Inland Marine and Crime exposures, Utica’s Library Program offers special coverages that can be added to your policy to provide extra or extended coverage. Some of those coverages include:

Library Amendatory Endorsement
For no additional premium, this endorsement extends property coverage to include:

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

Library Protector Endorsement
Adds to your policy a package of valuable coverages at a lower price than if you were to buy each coverage separately. Some of those coverages include:

• Business Income/Extra Expense
• Fire Department Service Charge
• Lock Replacement
• Newly Acquired or Constructed Buildings
• Personal Effects and Property of Others
• Arson or Vandalism Reward
• Fire Protection Device Recharge
• Back-up of Sewers and Drains
• Glass
• Ordinance or Law Coverage, including demolition costs
• Data Processing Coverage, including hardware, software and extra expense
• Money and Securities, both on and off premises
• Employee dishonesty

Library Property Floater Coverage Form
Covers library property on an agreed value basis and is appropriate for books, periodicals, documents, newspapers, sheet music, phonograph records, pamphlets, magnetic or electronic media, cards, catalogs, microfilm, magnetic or electronic indexing inventory media,
manuscripts, special collections, pictures, paintings, sculptures, fine arts, or other items that are highly susceptible to fire and water damage. Normally, these items are protected with replacement cost or actual cash value, but agreed value establishes the value of an item before a loss occurs. The agreed value approach eliminates the possibility of disagreement over the value of covered property and gives you another choice for coverage. Coverage also applies to property in transit, including property in bookmobiles, for as much as 10 percent of the Library Floater’s limit of insurance.

Legal Liability Coverage Form
This coverage provides broad protection for your officers, trustees, employees and volunteers from claims made during the policy period which allege “wrongful acts”. Wrongful acts include breaches of duty, neglect, error, omission, misstatement or misleading statement made in the discharge of library duties. Defense coverage is provided for any lawsuit that falls within the policy’s terms, even if the allegations are groundless, false or fraudulent. The policy also provides reimbursement for all reasonable expenses incurred at the company’s request, including a per day allowance for loss of earnings.

Library Auto Extension Endorsement
This endorsement extends your commercial auto coverage to include towing, full glass, rental reimbursement, and up to $1,000 for loss or deductible reimbursement for any auto owned by an employee or volunteer involved in an accident while such auto is used in your operations.

How Does Utica Stack Up?
We invite you to compare Utica’s coverages to those of other insurers. Your professional, independent agent can explain the value and protection offered by Utica’s program. We fill in the gaps and give your library the protection it needs - no more and no less.

Required Reading: Your Utica National Policy
While this brochure summarizes some important features of our program, the terms of your specific policy actually determine your coverage. For a complete explanation of program coverages, contact your local independent agent who represents the Utica National companies.

Now that you’ve discovered Utica’s Library Program, pass the word! Tell other library officials about Utica. We wrote the book on library protection, and it’s a “rare find” indeed.