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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.

Musical Instrument Dealers Insurance Program – Exclusive Coverage for Musical Instrument Retailers and Repairers Help your musical instrument dealer clients protect their inventory and operations with the Huntington T. Block (HTB) Musical Instrument Insurance Program (MIIP). This comprehensive, all-risk program offers worldwide coverage that follows your clients wherever they go—ideal for retailers, repair shops, and dealers handling valuable musical instruments in transit and on-site. Ideal Accounts and Appetite HTB’s MIIP is designed specifically for: Retailers of new and used musical instruments Instrument repair shops and luthiers Instrument rental businesses Dealers participating in trade shows, tours, or exhibitions Whether your client operates a boutique violin shop or a multi-location music store, this program provides the customizable protection they need. Coverage is also available for temporary instrument loans and borrowed equipment, subject to underwriting approval. Coverage Highlights and Advantages All-risk protection for musical instruments and accessories Worldwide coverage, including while in transit Coverage for temporary instrument loans and borrowed items* Comprehensive dealers program tailored for sellers and repairers Special pricing for members of partner associations (e.g., American String Teachers Association, Suzuki Association of America) Dedicated, in-house specialty claims handling Customized coverage for symphonies, orchestras, and music education groups *Includes coverage for allowing someone to temporarily use your instrument or borrowing someone else’s instrument. Subject to underwriting approval. Underwriting Notes HTB offers individual underwriting for each account to ensure coverage meets your client's unique exposures. While there is no published minimum premium, competitive pricing and flexible structures are available based on risk characteristics and association affiliation. Territories and Availability The Musical Instrument Dealers Insurance Program is available in all 50 states and Washington, D.C., and is offered on an admitted basis. Whether your client is based in New York, California, Texas, or anywhere in between, you can access this coverage through HTB. Why Work With Huntington T. Block? With over 70 years of experience in musical instrument insurance—including the legacy of Merz–Huber—HTB is recognized as one of the premier providers in this niche. They currently insure more than 6,000 individual musical instrument owners and work with over 40 organizations, orchestras, and associations. Their deep industry knowledge, tailored coverage solutions, and responsive claims service make them a trusted partner for agents placing high-value and specialty accounts. Whether you’re working with a local violin shop that ships internationally or a piano dealer hosting in-store events, HTB’s MIIP provides peace of mind and protection for even the most specialized risks. 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 musical instrument retailers, repair shops, and rental businesses, as well as dealers who travel with instruments or participate in trade shows. Does this program cover instruments in transit?Yes, the HTB MIIP includes worldwide coverage, including while instruments are being shipped or transported. Are association members eligible for any discounts?Yes, members of certain music-related associations may qualify for special pricing under this program. Is this program available nationwide?Yes, the program is available in all 50 states and Washington, D.C., and is offered on an admitted basis. Who handles claims under this program?HTB has a specialty in-house claims department that manages all claims related to musical instruments, ensuring expert handling and efficient resolution. Need help placing an account? Connect with a market specialist.

Municipality Fine Art Collections Insurance Program - Exclusive Fine Arts Coverage for State and Local Municipal Governments Huntington T. Block (HTB) is the premier fine arts insurance brokerage in the United States. As the original architect of the "all risk, wall-to-wall" fine arts policy, HTB continues to lead the market by offering tailored insurance solutions for public and private art collections across the country. HTB insures over 1,000 museums, 500 art galleries, and numerous Fortune 500 companies and universities. Their expertise extends to helping state and local municipal governments protect their collections of paintings, sculptures, rare books, historic artifacts, and more. Ideal Accounts and Appetite HTB’s Municipality Fine Art Collections Insurance Program is specifically designed for: City, county, and state-owned museums or historical collections Public universities and libraries with significant art or rare book holdings Municipal buildings housing curated art exhibits or permanent collections Public-sector collections on loan or display in government facilities Whether your client is a city hall displaying regional artwork or a state archive with irreplaceable historical objects, HTB’s program is engineered to meet the unique needs of public institutions. Coverage Highlights and Advantages This program offers robust coverage designed by fine arts professionals and insurance experts. Key features include: “All risk” coverage with proprietary broad-form policy language Low deductibles starting at $1,000 Blanket limits for both owned and loaned objects Worldwide coverage for collections in transit or on exhibit CAT coverage available for terrorism, earthquake, and wind (subject to underwriting) Subrogation waivers, contract review, and expanded insured property definitions Comprehensive valuation clause to support proper settlement HTB’s in-house claims department offers specialized support with unique settlement authority, ensuring claims are handled with the care these valuable assets require. Underwriting Notes and Minimum Premiums HTB has exclusive fine arts underwriting authority and can typically provide turnaround within 24 hours for complete submissions. The minimum premium starts at $1,750 for a $1 million aggregate limit, making it a competitive option for municipal budgets. Territories and Availability This program is available in all 50 states and Washington, DC. No matter where your municipal client is located—from New York to California, or Alaska to Florida—HTB has the licensing and underwriting capabilities to serve them. Why Work With Huntington T. Block HTB has been exclusively focused on fine arts coverage since 1962. Their senior staff brings over 200 years of combined experience, and the program is backed by an A-rated carrier, Ironshore Indemnity Inc. Trusted by the American Alliance of Museums (AAM) and the American Institute for Conservation (AIC), HTB is a name agents can feel confident presenting to clients. If you’re working with a municipality that needs tailored protection for their fine art holdings, HTB offers one of the most experienced and responsive markets available. 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 municipal accounts are a good fit for this program?This program is ideal for public museums, libraries, universities, and government buildings that house or exhibit fine art, historical artifacts, or rare collections. What is the minimum premium for this program?The minimum premium starts at $1,750 for a $1 million aggregate limit, making it accessible for a wide range of municipal budgets. What coverage is available for loaned or traveling art?The program includes blanket limits for both owned and loaned objects, with worldwide coverage for items in transit or on exhibit. Is CAT coverage available through this program?Yes, coverage for terrorism, earthquake, and wind is available, subject to underwriting approval. How quickly can I get a quote?HTB typically provides quotes within 24 hours for complete submissions, thanks to their in-house underwriting authority. Need help placing an account? Connect with a market specialist.