Ideal Accounts and Appetite
HTB’s MIIP is built for a range of organized musical groups. Ideal accounts include:
- Symphony orchestras and philharmonic organizations
- Professional, regional and community performance groups
- University and conservatory ensembles
- Music education associations and nonprofit music organizations
The program also fits groups affiliated with professional associations such as the American String Teachers Association, Suzuki Association of America, and Music Teachers National Association.
Coverage Highlights and Advantages
The MIIP is designed to be flexible and tailored to each group’s inventory and operations. Key features include:
- All-risk protection for owned and borrowed instruments
- Worldwide coverage — including while instruments are in transit or on tour
- Temporary loan and borrow coverage (subject to underwriting approval)
- Group and association policy options with competitive pricing for eligible members
- Dedicated in-house claims team experienced with musical instruments
- Policies placed with market-leading carriers
*Includes coverage for allowing someone to temporarily use your instrument or temporarily borrowing someone else’s instrument. Coverage subject to underwriting approval.
Underwriting Notes and Minimum Premiums
HTB underwrites each account based on the group’s instrument schedule, total valuations, travel patterns, and security controls. The program’s minimum premium is $1,000. For smooth submissions, be prepared to provide a detailed schedule of instruments, individual valuations, storage/transport procedures, and any loan agreements.
Territories and Availability
The MIIP is available in all 50 states and Washington, D.C. HTB operates as a licensed insurance producer nationwide (including CA License #0825502 and Texas License #17489). Policies are written through admitted, top-tier carriers such as ACE and Chubb, with admitted status available in all states.
Why Work With Huntington T. Block (HTB)
With more than 70 years of experience insuring musical instruments, HTB is a recognized specialty market. HTB currently insures thousands of individual instrument owners and dozens of musical organizations. Their niche expertise, underwriting familiarity with instrument values and exposures, and a claims team versed in repair/replacement of fine instruments make HTB a reliable partner when placing music-related property risks.
Whether you’re placing a touring symphony, a university orchestra, or a regional music association, HTB can craft a policy that protects valuable instruments and minimizes operational disruption—so the music goes on.
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?
The MIIP is ideal for symphony orchestras, philharmonics, university and conservatory ensembles, music associations, and touring performance groups that need coverage for instruments at home, in transit, and abroad.
Can the program cover instruments that are temporarily borrowed or loaned?
Yes. The MIIP includes coverage for temporary loans and borrows, subject to underwriting approval—useful for organizations that share, rotate, or accept loaned instruments.
Is this program available in all states?
Yes. The program is available in all 50 states and Washington, D.C., and is placed through admitted carriers such as ACE and Chubb.
What is the minimum premium for this program?
The minimum premium starts at $1,000. Final pricing depends on the size of the group, total instrument value, and specific coverage needs.
Why should I place my client’s instrument coverage with Huntington T. Block?
HTB brings deep niche expertise—over 70 years in musical instrument insurance—along with tailored underwriting, a specialized claims team, and access to top-rated carriers, which helps you secure appropriate protection for valuable instruments.
Need help placing an account? Connect with a market specialist.