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...welry Stores Auto Parts Stores Book Stores Wholesale Store NOC If you have a ...etail businesses, including clothing stores, supermarkets, hardware shops, and...

...nt Underwriting offers specialized Booksellers Insurance through the League of Independent Book Retailer Insurance Services (LIBRIS) program. LIBRIS was created by booksellers for booksellers and is tailored to the unique risks faced by independent bookstores nationwide. Overview of the LI...gram cover special events or off-site book fairs?Yes. Optional coverage for of...

...tailored for businesses that plan, book, and manage travel. Coverage placement... loss history. Clear documentation of booking procedures and risk controls imp...

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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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Workers Compensation Insurance for Printing and Publishing Accounts U.S. Risk Insurance Group, Inc. offers a specialized Workers Compensation insurance program tailored for the unique needs of printing and publishing businesses. Through its UPA division, this program is backed by an A-rated carrier and designed to provide competitive solutions for agents seeking to place risks in this niche industry. Ideal Accounts and Appetite This program is designed for small to mid-sized printing and publishing operations, including commercial printers, digital print shops, newspaper publishers, magazine publishers, and related businesses. UPA can accommodate new ventures and insureds transitioning out of Professional Employer Organizations (PEOs), with carve-out options available. Example placements might include a local commercial printing company with 10 employees or a regional magazine publisher looking to exit a PEO relationship. Coverage Highlights and Advantages Guaranteed cost plans available Dividend plans offered in Florida Online loss run access for agent and client convenience UPAY-As-You-Go and other flexible payment options Monthly self-reporting with only a 5% non-working deposit Underwriting Notes and Minimum Premiums Minimum premium: $3,000 (no maximum premium) New ventures are eligible Group transportation is limited to five employees per vehicle Accounts with lapse in coverage require underwriting referral No maximum experience mod Height/underground restrictions: max 20 feet above ground or 2 stories; max 6 feet below ground PEO carve-outs available with supporting documentation (loss history, signed contracts, labor endorsement) 24-hour shift work exposure is acceptable, provided no other restricted exposures are present Accounts with domestic, aviation, or federal exposures are ineligible Businesses with tax liens or undergoing bankruptcy are ineligible Territories and Availability This Workers Compensation program is available in most states, including AL, AK, AZ, AR, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OR, PA, RI, SD, TN, TX, UT, VT, VA, DC, WV, and WI. Coverage is limited, incidental, or cannot be the governing state in CA and OK. Please consult underwriting for specific eligibility in these states. Why Work With U.S. Risk Insurance Group? U.S. Risk Insurance Group is a trusted Managing General Agency (MGA) with extensive experience in niche programs. The company’s UPA division offers agents and brokers access to competitive Workers Compensation options backed by strong carrier relationships, responsive underwriters, and flexible solutions for accounts that may not fit standard markets. If you're working with a printing or publishing client and need a reliable Workers Comp solution, this program offers the underwriting flexibility, pricing options, and support you need to win and retain the business. Frequently Asked Questions What types of accounts are a good fit for this program?Commercial printers, digital print shops, newspaper and magazine publishers, and related businesses in the printing and publishing industry are ideal candidates. Can new ventures be considered for coverage?Yes, new ventures are eligible under this Workers Compensation program from U.S. Risk Insurance Group. Is coverage available for clients exiting a PEO relationship?Yes, the program supports insureds coming out of PEOs and offers carve-out options with proper documentation. What are the payment options for this program?Agents can offer clients UPAY-As-You-Go, direct bill, or monthly self-reporting with a 5% non-working deposit. Are there any geographic restrictions for this program?The program is available in most states, but coverage is limited or cannot be governing in California and Oklahoma. Need help placing an account? Connect with a market specialist.

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