As an insurance agent or broker working with high-net-worth individuals, you understand the unique risks associated with fine art collections. Huntington T. Block (HTB) offers a tailored solution—our Private Art Collectors Insurance Program, designed specifically to protect fine art and valuable collectibles wherever they reside.
Overview of the Program From Huntington T. Block
HTB is a nationally recognized Managing General Underwriter with decades of experience in the fine arts insurance space. Since 1962, we have provided exclusive fine arts underwriting solutions backed by our relationships with top-rated carriers like Ironshore Indemnity Inc. Our proprietary stand-alone fine art policy is one of the broadest coverage forms available in the U.S., offering your clients superior protection compared to standard homeowners insurance.
Ideal Accounts and Appetite
This program is ideal for:
- Private individuals with fine art, rare collectibles, or high-value personal collections
- Collectors with items housed in primary residences, second homes, or storage facilities
- Clients who loan their collections to museums, galleries, or exhibitions
You might have a client who owns an extensive collection of antique paintings or rare sculptures displayed across multiple residences. Or perhaps a client who frequently lends pieces to international exhibitions—this program is built for them.
Coverage Highlights and Advantages
- All-risk coverage form with limited exclusions (e.g., war, nuclear event, wear and tear)
- Worldwide protection for owned and loaned items
- Scheduled or blanket limits available
- Domestic and international transit coverage options
- Coverage for collections at home, in transit, and on loan to museums or galleries
- In-house fine arts claims team with specialized authority and expertise
- Competitive rates and deductibles starting at $1,000
- CAT coverage options for terrorism, earthquake, wind, and flood (subject to underwriting)
- Contract and insurance requirement review services available
Underwriting Notes and Minimum Premiums
HTB offers in-house quoting authority, allowing for quick turnaround—often within 24 hours for complete submissions. The minimum premium starts at $450 for up to $250,000 aggregate coverage. Our underwriters are fine art specialists who understand the nuances of valuation, storage, transit, and exhibition risks.
Territories and Availability
This program is available in all 50 states and Washington, DC. Whether your client is based in New York, California, Texas, or anywhere in between, HTB can provide comprehensive fine arts coverage tailored to their needs.
Why Work With Huntington T. Block
HTB is the trusted name in fine arts insurance. Our team brings over 200 years of combined experience in the art insurance industry. We partner with A XV-rated carriers and offer responsive, knowledgeable service that helps you retain and grow your book of business. With our exclusive underwriting authority and deep focus on the fine arts niche, you can confidently place even the most complex art collection risks with us.
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 private individuals with fine art, collectibles, or rare artifacts—particularly those with high-value or geographically dispersed collections.
How does this program differ from homeowners insurance?
Our stand-alone fine arts policy provides broader coverage and greater flexibility, including worldwide protection and specialized transit and loan coverage that most homeowners policies exclude or limit.
Can collections on loan or in transit be covered?
Yes, the program includes options for covering domestic and international transits, as well as items loaned to museums, galleries, or other third parties.
What is the minimum premium for this program?
The minimum premium starts at $450 for up to $250,000 in aggregate coverage.
How quickly can I receive a quote?
HTB typically provides quotes within 24 hours for complete submissions, thanks to our in-house quoting authority and fine arts underwriting team.
Need help placing an account? Connect with a market specialist.