Besides the museum providing adequate insurance and security, another item that matters a great deal to me and which is often overlooked is how the item(s) will be displayed. Specifically, will they be displayed in such a manner that is conservation appropriate. I have been to exhibits where the displayed items were bathed in direct sunlight. I have been to other exhibits where I observed the viewing public physically touching the items. Both of these occurrences to me are strict taboos, and are matters not only do I discuss with the museum but deal with contractually as well.
At the end of the day each museum should be judged on a case by case basis. The fact the items might be insured is of little comfort if I am not comfortable they will be returned in the condition in which I first loaned them.
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