Ideal Accounts and Appetite
This program is ideal for:
- Museums (public, private, university-affiliated, and specialized)
- Historical societies and cultural institutions
- Nonprofit organizations with significant fine art collections
- Libraries and archives with valuable historical materials
Whether your client is a large metropolitan museum or a small regional historical society, HTB offers tailored solutions to cover permanent collections, rotating exhibits, loaned items, and more.
For example, you might have a client who manages a local maritime museum with a rotating exhibit of rare ship models and antique navigational tools. HTB’s program can provide wall-to-wall protection for these items, whether they are on display, in transit, or in storage.
Coverage Highlights and Advantages
- Exclusive Fine Arts underwriting facility since 1962
- In-house quoting authority for fast turnaround—typically within 24 hours for complete submissions
- Dedicated Fine Arts claims department with unique settlement authority
- Low deductibles starting at $1,000
- Broad protection through proprietary Fine Arts policy forms
- Worldwide coverage for insured property, including collection and loaned objects
- Blanket limits available for collection and loaned items
- Coverage enhancements such as terrorism, earthquake, and wind (subject to underwriting)
- Comprehensive valuation clause and expanded definition of insured property
- Subrogation waivers and contract review services
- Discounts available for AAM members and accredited institutions
- Coverage provided by carriers rated A XV by A.M. Best Company
Underwriting Notes and Minimum Premiums
HTB offers competitive premiums with a minimum premium starting at $1,750 for a $1 million aggregate limit. Their team of expert underwriters brings over 200 collective years of experience and focuses exclusively on fine arts coverage, allowing for efficient and knowledgeable risk assessment.
Territories and Availability
This program is available in all 50 states and Washington, D.C., giving agents nationwide access to HTB’s specialized offerings. The program is admitted where applicable and underwritten by Ironshore Indemnity Inc., a highly rated carrier.
Why Work With Huntington T. Block?
HTB is not just another insurance provider—they are fine arts insurance specialists with decades of experience and a deep understanding of the unique risks associated with museum collections. Their exclusive focus, quick turnaround, and trusted industry relationships make them a go-to partner for agents placing this type of niche business.
Over 1,200 museums already rely on HTB for their fine arts coverage. As an agent, you can offer your clients peace of mind backed by a team that lives and breathes museum insurance.
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 museums, historical societies, cultural institutions, libraries, and nonprofits with valuable collections or art exhibits.
Is coverage available for items on loan or in transit?
Yes. The program provides wall-to-wall coverage, including items that are on display, in storage, in transit, or on loan to or from other institutions.
How quickly can I get a quote?
HTB typically provides quotes within 24 hours of receiving a complete submission, thanks to in-house quoting authority.
Are there discounts for accredited institutions?
Yes. Discounts are available for American Alliance of Museums (AAM) members and accredited institutions.
What is the minimum premium for this program?
The minimum premium starts at $1,750 for a $1 million aggregate limit of coverage.
Need help placing an account? Connect with a market specialist.