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Fine Arts Insurance Program for Conservators
Huntington T. Block (HTB), the largest fine arts insurance brokerage in the U.S., has partnered with the American Institute for Conservation of Historic and Artistic Works (AIC) to deliver a specialized insurance program built for professional art conservators. This exclusive Conservators Fine Arts Insurance Program is designed to provide broad, practice-specific protection for fine art and cultural property while it is in a conservator’s care—covering exposures that many standard fine art policies do not address.
Ideal Accounts and Appetite
This program targets professional conservators and restoration specialists who handle, transport, store, or treat artworks and cultural artifacts owned by others. It fits conservators who work with paintings, textiles, sculpture, paper, photograph collections, decorative arts, and mixed-media objects.
Typical good fits include:
Private conservation studios that receive museum- or collector-owned pieces for treatment.
Mobile conservators who perform on-site stabilization, cleaning, or repair at historic houses, museums, and institutions.
Small- to mid-sized conservation practices that require transit and off-site limits for client property.
Coverage Highlights and Advantages
This AIC-endorsed policy expands on standard fine arts coverage with features that address conservators’ unique exposures, including:
Coverage for property of others while in the conservator’s care, custody, and control.
Separate limits for property in transit and for items at off-site locations.
Automatic $10,000 Errors & Omissions (E&O) sublimit included to help manage professional liability exposures arising from treatment.
Optional coverage extensions for studio contents, art libraries, and field equipment.
Catastrophic peril coverage options for terrorism, earthquake, wind, and flood (subject to underwriting and availability).
Low deductibles starting at $500 and proprietary fine art policy forms that provide broad wording tailored to art risks.
Contract and insurance requirement review for conservators with third-party obligations.
Underwriting Notes and Minimum Premiums
HTB’s in-house fine arts underwriting and claims teams bring more than 200 years of combined experience to this program. With dedicated underwriting authority and a streamlined submission process, HTB typically responds to complete applications within 24 hours. Minimum premiums start at $850, making this an accessible option for small and mid-sized conservation practices.
Territories and Availability
The Conservators Fine Arts Insurance Program is available in all 50 states and the District of Columbia. Policies under this program are underwritten by Ironshore Indemnity Inc., an A.M. Best A XIV rated carrier.
Why Work With Huntington T. Block (HTB)
As a Managing General Underwriter focused exclusively on fine arts insurance since 1962, HTB offers deep niche expertise and direct access to a specialized underwriting team. Agents and brokers gain:
Proprietary fine art forms and carrier access tailored to artworks and cultural property.
Fast, responsive quoting and policy issuance from experienced underwriters.
In-house claims support familiar with the practical and technical issues involved in art conservation losses.
Guidance on contract and insurance requirements when conservators accept third-party work.
You might have a client who operates a small studio that regularly transports museum-owned portraits for treatment, or a conservator who travels to historic sites to stabilize collections after a weather event—both are examples of accounts this program is designed to place.
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 professional art conservators and restoration specialists who handle or restore artwork owned by others—whether from a fixed studio or while providing mobile services.
Does the policy cover items in transit or off-site?Yes. The policy includes separate limits for artwork in transit and for items located at off-site locations that are not owned by the conservator.
Is Errors & Omissions (E&O) coverage included?Yes. A $10,000 E&O sublimit is included automatically to help protect conservators from professional liability claims related to their services.
What is the minimum premium for this program?Minimum premiums start at $850, which makes the program accessible for many small and mid-sized conservation practices.
How quickly can quotes be provided?HTB typically provides quotes within 24 hours for complete submissions, thanks to its in-house underwriting authority and specialized fine arts team.
Need help placing an account? Connect with a market specialist.
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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.
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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.