I've been asked by an acquaintance who isn't on the list to post this question.  I'll pass on any answers to him.  Thanks!!

The West Branch (Iowa) Heritage Museum was recently told they needed to
increase their insurance from $300,000/year to at least $1 million 
and don’t think they have enough money to sustain that level of coverage
(at about $1 thousand/year).  They do not have any staff, just a volunteer
board, and are only open sporadically.  They heard that some county level
small museums don’t have coverage for contents, just buildings and
coverage for loaned exhibits.

So the question is what is the path forward they should they pursue.  Find
a way to pay for the insurance?  Just cover the building and loaned items?
 No insurance at all?

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