Wise words, Mustang.

I crave your sympathy – I have spent most of my working life in the trade:o

Business Interruption/Loss of Profits cover is often the cheapest section of a policy, so do not stint. This will provide funds to keep your museum running when you have no (or reduced) income from gate money or other sources.

I would recommend that you insure 3 years loss of income.

If your buildings are Grade II (or higher) Listed, you may need to stretch this out further. English Heritage or their equivalent will make suggestions/impose requirements that may mean you will not re-open as quickly as you think you ought…

Ask your Insurer or Broker to add an “Additional Increased Costs of Working” item. This is tedious insurance geekery for others to read, but quite important. PM me if you would like an explanation.