Search CompleteMarkets

Private Art Collectors Insurance Program – Exclusive Fine Art Coverage by Huntington T. Block (HTB) As an insurance agent or broker serving high-net-worth individuals, you know fine art presents unique risks—from transit and exhibition exposures to specialized valuation and storage concerns. Huntington T. Block (HTB) offers a dedicated solution: our Private Art Collectors Insurance Program, a stand-alone fine arts product designed to protect valuable collections wherever they are located. Overview of the Program From Huntington T. Block HTB is a nationally recognized Managing General Underwriter with deep experience in the fine arts market dating to 1962. We underwrite a proprietary stand-alone fine art policy offered through top-rated carriers such as Ironshore Indemnity Inc., and our form is among the broadest available in the U.S. This program is intended to provide more complete protection for collectors than typical homeowners or personal lines policies. Ideal Accounts and Appetite This program is a fit for agents placing private collectors and their advisors. Typical accounts include: High-net-worth individuals with significant fine art, antiques, or rare collectibles Collectors with items across primary and secondary residences, storage facilities, or trustee holdings Clients who loan works to museums, galleries, or exhibitions domestically or abroad Example scenarios you might place with HTB: a collector with an extensive 19th-century painting collection displayed in a second home and stored offsite; or a client who regularly lends sculpture to international exhibitions and needs transit and on-loan protection. Coverage Highlights and Advantages All-risk coverage form with limited, defined exclusions (for example: war, nuclear events, wear and tear) Worldwide protection for owned and loaned items, including exhibition coverage Flexible scheduling: scheduled or blanket limits available to match valuation needs Domestic and international transit coverage options and transit-specific wording Coverage for pieces at home, in storage, in transit, and while on loan to third parties In-house fine arts claims team with specialized authority and expertise in art handling and recovery Competitive rates and deductible options (deductibles start at $1,000) CAT coverage options for terrorism, earthquake, wind, and flood—subject to underwriting Contract and insurance requirement review services to support lending and exhibition placements Underwriting Notes and Minimum Premiums HTB operates with in-house quoting and underwriting authority, enabling fast responses—often within 24 hours for complete submissions. Underwriters are fine-arts specialists who focus on accurate valuation, storage and transit practices, and exhibition exposures. The minimum premium for the program starts at $450 for up to $250,000 aggregate coverage. Territories and Availability This program is available in all 50 states and Washington, D.C., allowing you to place domestic and international exposure for clients based anywhere in the U.S. Why Work With Huntington T. Block HTB brings specialized fine arts underwriting and decades of market relationships to help you retain and grow your high-net-worth book. Our focused team provides responsive service, bespoke policy wording, and direct access to A XV-rated carriers. That combination makes HTB a practical choice when your clients need comprehensive, art-specific protection that homeowners policies do not provide. 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?Private collectors with fine art, rare collectibles, or valuable personal collections—especially those with high-value items, multiple locations, or frequent loans—are ideal candidates for this program. How does this program differ from homeowners insurance?HTB’s stand-alone fine arts policy offers broader, art-specific protections—worldwide coverage, transit and loan wording, and valuation flexibility—that most homeowners policies exclude or limit. Can collections on loan or in transit be covered?Yes. The program includes options for domestic and international transit coverage and protection for items loaned to museums, galleries, or other institutions, subject to underwriting terms. 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 in-house quoting authority and specialized fine arts underwriters. Need help placing an account? Connect with a market specialist.

Museum Collections Insurance Program – Exclusive Fine Arts Coverage for Museums and Historical Societies Huntington T. Block Insurance (HTB) is the oldest and largest fine arts insurance brokerage in the United States. With roots dating back to 1962 and a long-standing partnership with the American Alliance of Museums (AAM) since 1980, HTB is a trusted name in insuring museum collections, historic artifacts, and cultural treasures. HTB’s Museum Collections Insurance Program is tailored specifically for museums, historical societies, and similar institutions seeking comprehensive fine arts protection. Designed in collaboration with museum professionals and industry experts, this proprietary program delivers one of the broadest fine arts policy forms available in today’s marketplace. 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.