Huntington T. Block (HTB)

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Huntington T. Block (HTB)

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Musician & Music Teacher Musical Instrument Insurance Program (MIIP)

Musician & Music Teacher Musical Instrument Insurance Program (MIIP) – Exclusive Coverage from Huntington T. Block (HTB)

Huntington T. Block (HTB) offers a specialized insurance solution tailored for musicians and music educators through its Musical Instrument Insurance Program (MIIP). Whether your client is a professional violinist performing internationally, a high school band teacher, or a casual clarinet player, HTB’s MIIP delivers comprehensive protection for valuable musical instruments—backed by over 70 years of industry experience.

Unlike standard homeowners policies, HTB’s MIIP is designed to meet the unique needs of musicians and educators. The program provides broad, worldwide coverage with protection that includes professional use, transit risks, and more. With over 6,000 individual instrument owners and more than 40 associations, orchestras, and symphonies insured, MIIP is one of the most trusted offerings in the U.S. for musical instrument insurance.

Ideal Accounts and Associations Covered

HTB’s MIIP is a great fit for:

Professional musicians and performers
Music teachers and educators at schools and universities
Community orchestra members
Instrument dealers and manufacturers
Students and amateur musicians with high-value instruments

HTB offers tailored coverage and special pricing for members of major music associations, including:

American String Teachers Association
International Society of Bassists
National Association for Music Education
Music Teachers National Association
Suzuki Association of America

Coverage Highlights and Program Features

All-risk protection for direct physical loss or damage
Worldwide coverage—including while in transit
Coverage for temporary instrument loans and borrowed instruments*
Symphony and orchestra-specific coverage available
In-house specialty claims team with deep industry knowledge
Comprehensive dealer and manufacturer programs
Special pricing and benefits for association members
Optional features such as inflation guard and right to retain damaged parts

HTB MIIP vs. Homeowners Insurance

Coverage	Homeowners	HTB MIIP
Professional use	Not covered	Covered
Breakage	Typically excluded	Covered
Earthquake	Typically excluded	Covered
Flood	Not covered	Covered
Replacement instrument	Not covered	Covered
Inflation guard	Not covered	Covered
Difference in value	No option	At your option
Right to keep damaged parts	No option	At your option

Underwriting Considerations and Minimum Premiums

Minimum premiums start at $250 for musicians and $145 for music teachers
Coverage subject to underwriting review and approval
Temporary loans/borrowed instrument coverage available with approval*

Available Nationwide
HTB’s MIIP is available in all 50 states and Washington, D.C., through admitted carriers ACE and Chubb. Agents can confidently place accounts nationwide with a reliable and well-established program administrator.

Why Work With Huntington T. Block
HTB is a Managing General Underwriter with unmatched expertise in musical instrument insurance. Formerly Merz–Huber, HTB has been a trusted name in the industry for over seven decades. Their deep knowledge of musical professions, in-house claims service, and long-standing relationships with top-tier carriers make them a go-to partner for agents and brokers nationwide.

Whether your client is a touring violinist or a local music educator, HTB’s MIIP offers a flexible, competitively priced solution tailored to the needs of musicians and teachers.

*Includes coverage for allowing someone to temporarily use your instrument or temporarily borrowing someone else's instrument. Coverage subject to underwriting approval.

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 professional musicians, music teachers, orchestras, symphonies, and instrument dealers or manufacturers. It's also suitable for students or hobbyists with high-value instruments.

How does this coverage differ from a homeowners policy?

Unlike homeowners policies, HTB's MIIP covers professional use, breakage, worldwide transit, floods, and earthquakes. It also offers optional features like inflation guard and coverage for borrowed or loaned instruments.

Is this program available nationwide?

Yes, the MIIP is available in all 50 states and Washington, D.C., through admitted carriers ACE and Chubb.

Are there minimum premiums?

Yes, minimum premiums start at $250 for musicians and $145 for music teachers. Final pricing depends on underwriting.

Can this program cover borrowed or loaned instruments?

Yes, coverage for temporarily borrowed or loaned instruments is available, subject to underwriting approval.

Need help placing an account? Connect with a market specialist.

U.S. States Available

U.S. States Available:

Provider Type:

Managing General Underwriter

Admitted:

All Available States

Carriers:

Carrier Ratings:

A++ (Excellent) by A.M. Best

Commission:

10%

Min Premium:

$250 - musicians; $145 - music teachers

Coverages:

Individual Musician Insurance Music Instructor Insurance Music Teacher Insurance

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Huntington T. Block (HTB) has other insurance programs like Artists Fine Arts Insurance Program.

Huntington T. Block (HTB)

Huntington T. Block (HTB)

Hi, !

Musician & Music Teacher Musical Instrument Insurance Program (MIIP)

Frequently Asked Questions

What types of accounts are a good fit for this program?

How does this coverage differ from a homeowners policy?

Is this program available nationwide?

Are there minimum premiums?

Can this program cover borrowed or loaned instruments?

U.S. States Available