Musical Instrument Dealers Insurance Program – Exclusive Coverage for Musical Instrument Retailers and Repairers
Help your musical instrument dealer clients protect their inventory and operations with the Huntington T. Block (HTB) Musical Instrument Insurance Program (MIIP). This comprehensive, all-risk program offers worldwide coverage that follows your clients wherever they go—ideal for retailers, repair shops, and dealers handling valuable musical instruments in transit and on-site.
Ideal Accounts and Appetite
HTB’s MIIP is designed specifically for:
- Retailers of new and used musical instruments
- Instrument repair shops and luthiers
- Instrument rental businesses
- Dealers participating in trade shows, tours, or exhibitions
Whether your client operates a boutique violin shop or a multi-location music store, this program provides the customizable protection they need. Coverage is also available for temporary instrument loans and borrowed equipment, subject to underwriting approval.
Coverage Highlights and Advantages
- All-risk protection for musical instruments and accessories
- Worldwide coverage, including while in transit
- Coverage for temporary instrument loans and borrowed items*
- Comprehensive dealers program tailored for sellers and repairers
- Special pricing for members of partner associations (e.g., American String Teachers Association, Suzuki Association of America)
- Dedicated, in-house specialty claims handling
- Customized coverage for symphonies, orchestras, and music education groups
*Includes coverage for allowing someone to temporarily use your instrument or borrowing someone else’s instrument. Subject to underwriting approval.
Underwriting Notes
HTB offers individual underwriting for each account to ensure coverage meets your client's unique exposures. While there is no published minimum premium, competitive pricing and flexible structures are available based on risk characteristics and association affiliation.
Territories and Availability
The Musical Instrument Dealers Insurance Program is available in all 50 states and Washington, D.C., and is offered on an admitted basis. Whether your client is based in New York, California, Texas, or anywhere in between, you can access this coverage through HTB.
Why Work With Huntington T. Block?
With over 70 years of experience in musical instrument insurance—including the legacy of Merz–Huber—HTB is recognized as one of the premier providers in this niche. They currently insure more than 6,000 individual musical instrument owners and work with over 40 organizations, orchestras, and associations. Their deep industry knowledge, tailored coverage solutions, and responsive claims service make them a trusted partner for agents placing high-value and specialty accounts.
Whether you’re working with a local violin shop that ships internationally or a piano dealer hosting in-store events, HTB’s MIIP provides peace of mind and protection for even the most specialized risks.
Huntington T. Block Insurance Agency, Inc. is a licensed insurance producer in all states; Texas License #17489; operating in CA under License #0825502.
All descriptions, summaries, or highlights of coverage are for general informational purposes only and do not amend, alter, or modify the actual terms or conditions of any insurance policy. Coverage is governed only by the terms and conditions of the relevant policy.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for musical instrument retailers, repair shops, and rental businesses, as well as dealers who travel with instruments or participate in trade shows.
Does this program cover instruments in transit?
Yes, the HTB MIIP includes worldwide coverage, including while instruments are being shipped or transported.
Are association members eligible for any discounts?
Yes, members of certain music-related associations may qualify for special pricing under this program.
Is this program available nationwide?
Yes, the program is available in all 50 states and Washington, D.C., and is offered on an admitted basis.
Who handles claims under this program?
HTB has a specialty in-house claims department that manages all claims related to musical instruments, ensuring expert handling and efficient resolution.
Need help placing an account? Connect with a market specialist.