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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.
https://completemarkets.com/company/huntington-t-block/university-special-collection-insurance-program/
University Special Collections Insurance Program – Exclusive Fine Arts Coverage for Colleges and Universities
Offered by Huntington T. Block (HTB), the University Special Collections Insurance Program is a tailored solution for colleges and universities seeking robust coverage for their irreplaceable fine art and special collections. Since 1962, HTB has led the fine arts insurance sector, combining deep art world expertise with strong underwriting capabilities to serve over 3,000 art-related clients nationwide.
Ideal Accounts and Appetite
This program is designed specifically for higher education institutions with valuable art assets, archives, rare manuscripts, or historical artifacts. Ideal accounts include:
Universities with permanent art collections
Colleges with rotating exhibitions or traveling displays
Campuses housing libraries of rare books, manuscripts, or special collections
Institutions hosting loaned works from museums or private collectors
Whether your client is a small liberal arts college or a major research university, HTB can craft coverage that protects their most treasured holdings.
Coverage Highlights and Advantages
HTB’s University Special Collections Insurance Program offers one of the broadest coverage forms available in the U.S. for fine arts and related property:
Exclusive fine arts underwriting facility since 1962
In-house quoting authority for most complete submissions – typically within 24 hours
Dedicated fine arts claims department with settlement authority for faster resolutions
Coverage from A XV rated carriers (A.M. Best)
Property covered includes artworks, historic items, rare books, manuscripts, and more
Automatic coverage for items on loan or when instructed to insure by third parties
Protection for display materials such as frames, crates, vitrines, video equipment, and registration records
Blanket coverage across all university locations
Optional CAT coverage for Terrorism, Earthquake, Wind, and Flood (subject to underwriting)
“Wall-to-wall” coverage for both permanent and temporary exhibits
$1,000 deductible waived for works on loan or in transit
Fast issuance of policies, renewals, and certificates
Customizable solutions supported by HTB’s $400M in-house binding authority
Underwriting Notes and Minimum Premiums
This program is available for a minimum premium of $2,000. HTB’s in-house underwriters provide quick turnaround on complete submissions and can tailor terms to match each institution’s unique exposures. Agents benefit from HTB’s expertise in reviewing contracts and insurance requirements related to art loans and exhibitions.
Territories and Availability
The University Special Collections Insurance Program is available in all U.S. states and the District of Columbia, including AK, CA, FL, NY, TX, and many more. Coverage is offered on both admitted and non-admitted paper, depending on the state and insured’s needs.
Why Work With Huntington T. Block
HTB stands apart as a Managing General Underwriter with over 60 years of experience focused exclusively on fine arts insurance. Their team includes professionals with deep roots in both the art world and insurance industry, making them uniquely qualified to understand and respond to the needs of colleges and universities.
Whether you’re placing coverage for a small collection of rare manuscripts or a large university museum, HTB can help you deliver a best-in-class solution for your client’s most valuable assets.
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?Colleges and universities with permanent art collections, traveling exhibits, rare books, or other special collections are ideal fits. Institutions that loan or borrow artwork also benefit.
How quickly can I get a quote for my client?HTB typically provides quotes within 24 hours for complete submissions, thanks to their in-house quoting authority.
Does the coverage include items on loan or in transit?Yes, the policy includes "wall-to-wall" coverage that extends to items on loan and while in transit. The standard deductible is waived in these scenarios.
Can this program cover multiple campus locations?Yes, blanket coverage is offered across all university-owned locations, simplifying policy management for multi-campus institutions.
Is terrorism or flood coverage available?Yes, CAT coverage for perils like terrorism, earthquake, wind, and flood is available, subject to underwriting approval.
Need help placing an account? Connect with a market specialist.