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Collection Agents Insurance Program from Donald Gaddis Company Donald Gaddis Company offers a Collection Agents Insurance program designed for the specific liability exposures collection agencies and collection law firms encounter. As a wholesale broker with deep experience in this niche, we provide tailored professional liability and E&O solutions that reflect the realities of a business that relies on frequent outbound communications — calls, letters, emails, and faxes. Many standard professional liability policies contain exclusions for unsolicited communications. While those exclusions target spam or telemarketing abuses, they can unintentionally leave collection firms exposed because contacting consumers is central to their operations. We work with carriers to identify markets and negotiate coverage terms that address those communication-related gaps. Ideal Accounts and Appetite We place accounts for a range of collection-focused operations, including: Third-party debt collection agencies Collection attorneys and law firms Medical debt recovery agencies Retail and commercial receivable collection firms Accounts with frequent low-severity nuisance activity are evaluated on context; frequent minor complaints are not an automatic declination if loss patterns and controls are reasonable. Coverage Highlights and Advantages Negotiated coverage for claims tied to common communication practices (phone, email, fax, mail) Options to limit reporting of minor nuisance claims—particularly those resolved below a deductible threshold High-deductible structures with flexibility on reporting and claim handling Custom E&O and professional liability wording geared to collection industry exposures These features help protect insureds from harassment allegations, FDCPA-style claims, and other communication-based exposures that frequently generate complaints even when litigation does not follow. Underwriting Notes We maintain a fluid list of carrier partners, enabling us to match submissions to the best available market. Our underwriters understand the operational drivers of the collection industry and will work with you to structure terms that fit the account. Key items underwriters review include training and quality-control processes for collectors, complaint handling and dispute documentation, volume and type of outreach, and any prior claim patterns. We can help present accounts with frequent low-severity incidents in a way that emphasizes controls and risk management. Territories and Availability We can write business in most states, including: AL, AZ, CA, CO, FL, GA, HI, IL, IN, IA, KS, MI, MN, MO, NE, NY, NC, OH, OK, PA, SC, TN, TX, VA, WV, and WI. Policies may be admitted or non-admitted depending on the carrier selected and state filing requirements. Why Work with Donald Gaddis Company? As a wholesale broker focused on niche professional lines, Donald Gaddis Company brings market access, technical underwriting knowledge, and advocacy. We understand how to negotiate terms that reflect the practical needs of collection firms and to frame submissions so carriers see the full picture—controls, procedures, and claim context. Example scenarios where this program fits: You have a mid-sized third-party collector that makes high volumes of outbound calls and has several nuisance complaints a year but no lawsuits. We can seek terms that avoid inflating loss runs with every minor incident. You represent a small collection law firm that wants professional liability coverage that explicitly addresses communication exposures typically excluded by standard E&O forms. We can target markets that will consider negotiated communication coverage. If you need help placing an account that struggles with exclusions tied to core collection activities, or you want a market that understands frequent low-severity complaint patterns, connect with our underwriting team. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for debt collection agencies, collection law firms, and third-party debt recovery firms, including those specializing in medical or retail collections. How does the program handle nuisance claims?We offer options that allow insureds to avoid reporting every minor claim, especially those settled under a certain percentage of their deductible. This helps reduce unnecessary loss run entries. Can you cover claims related to communication practices?Yes. We work with carriers to negotiate coverage for exposures related to phone calls, emails, faxes, and other forms of contact that are typical in the collection industry. What states is this program available in?We can place business in most states, including AL, AZ, CA, CO, FL, GA, HI, IL, IN, IA, KS, MI, MN, MO, NE, NY, NC, OH, OK, PA, SC, TN, TX, VA, WV, and WI. Do you require reporting of every claim or incident?No. For insureds with high deductibles, we can often structure terms that allow them to report only significant claims—typically those exceeding 50% of the deductible. Need help placing an account? Connect with a market specialist.

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Corporate Collections Insurance Program – Exclusive Fine Arts Coverage Art collections aren’t just decorations—they’re assets that reflect a corporation’s culture, brand, and long-term investment. As a trusted name in fine arts insurance since 1962, Huntington T. Block (HTB) offers a specialized solution to protect corporate art collections of all sizes and types. Designed in collaboration with museum professionals, gallery owners, and private collectors, HTB’s Corporate Collections Insurance Program is one of the most comprehensive offerings in the U.S. market. Ideal Accounts and Appetite This program is designed for corporations that own or manage valuable art collections, display artwork in offices or headquarters, or loan pieces for exhibitions. Ideal clients include: Fortune 500 companies with curated in-office art collections Corporate headquarters featuring rotating or permanent exhibitions Companies that loan art to galleries, museums, or commercial dealers Firms with privately owned or jointly owned artwork You might have a client with a multi-location office setup displaying original artwork, or a company that frequently ships art between offices or to exhibitions—both are great candidates for this program. Coverage Highlights and Advantages HTB’s program is backed by decades of fine arts underwriting knowledge and offers one of the broadest coverage forms in the industry. Coverage includes: Worldwide protection for owned and loaned artwork Scheduled or blanket limits available Coverage for domestic and international transits Legal liability coverage for property of others Coverage for jointly owned items and privately owned collections Protection for artwork at multiple locations under a single master policy Coverage during exhibitions and while on loan Low deductibles starting at $1,000 Automatic reinstatement of limits after each loss Optional CAT coverage for terrorism, earthquake, wind, and flood (subject to underwriting) Underwriting Notes and Minimum Premiums HTB has in-house quoting authority for fast turnaround—typically within 24 hours for complete submissions. Claims are handled by an in-house fine arts team with authority to settle quickly and knowledgeably. Contract and insurance requirement reviews are also available. Minimum premiums typically start at $2,000. Territories and Availability This program is available in all 50 states and Washington, D.C. It is written on paper from Ironshore Indemnity Inc., an A XV rated carrier by A.M. Best. Admitted coverage is available where applicable. Why Work With HTB? As the first firm to launch a stand-alone fine arts insurance program, HTB brings unmatched expertise to the table. With over 60 years of dedicated service to the arts and corporate sectors, HTB offers agents and brokers a reliable, expert-driven solution backed by responsive service, deep underwriting knowledge, and longstanding carrier partnerships. Whether your client is building a collection or already owns a significant portfolio, HTB can help protect their investment with industry-leading coverage and service. Frequently Asked Questions What types of accounts are a good fit for this program?Corporations with owned or loaned fine art collections, including those displayed in offices, stored off-site, or loaned to exhibitions, are ideal candidates. Is this program available nationwide?Yes, the Corporate Collections Insurance Program is available in all 50 states and Washington, D.C. What is the minimum premium for this program?The minimum premium typically starts at $2,000, depending on the risk profile and coverage needs. How quickly can I get a quote?HTB offers in-house quoting authority with typical turnaround times of 24 hours for complete submissions. Does the program include transit coverage?Yes, the policy includes coverage for domestic and international transits, as well as protection while artwork is on loan or in storage. Need help placing an account? Connect with a market specialist.

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.

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.

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.

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High Net Worth individuals face complex exposures that require more than a standard homeowners policy. Your most successful clients need tailored protection and attentive service. The Midlands High Net Worth Insurance program is built to meet those demands — offering flexible, elite-level coverage and placement support for high-value homes, autos, watercraft, collections, and excess liability. Comprehensive Coverage for Affluent Clients Midlands provides a premier High Value Homeowners policy that can be written as a monoline homeowners form or packaged with auto, watercraft, excess liability, and private collections. The program is designed to coordinate coverages so your clients receive broad protection under one streamlined placement. Count on Midlands for underwriting expertise and personalized placement assistance. Available Coverages: • Property • Contents • Valuable articles • Loss of use • Personal liability • Equipment breakdown • Earthquake • Auto • Watercraft • Excess liability • Private collections Ideal Accounts and Target Profile This program is intended for high net worth individuals and families who need tailored personal lines solutions. Typical fits include: Primary residences valued at $500,000 or more Luxury properties in Louisiana and Texas starting at $750,000 Coastal homes with minimum values of $1,000,000 Clients with multiple homes, high-end autos, collector vehicles, or valuable art, wine, or other collections You might have a client who owns a $1.5M coastal vacation home, a luxury SUV fleet, and a fine wine collection — Midlands can help you package those exposures into a coordinated program with appropriate limits and endorsements. Program Highlights and Flexibility • Minimum property value $500,000 • Louisiana & Texas minimum property value $750,000 • Coastal minimum property value $1,000,000 • Monoline or packaged policies available • Comprehensive support for high-value homes, autos, watercraft, excess liability, and collections Underwriting Notes and Minimum Premiums Midlands underwriters focus on quality risks with clear valuations and loss prevention measures. Appetite is geared toward well-maintained, documented properties and collections. Minimum property thresholds apply as noted above; premium and program specifics vary by carrier and state. Be prepared to provide detailed schedules for valuables, recent home inspections or surveys where relevant, and loss history for smooth underwriting. Available States and Market Access This program is available in most states, including AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Coverage is placed with multiple carriers, and most markets are admitted, which helps with regulatory compliance and client preferences. Why Work With Midlands? As a Managing General Agency and Carrier, Midlands Management Corp brings decades of experience in high net worth personal lines. Working with Midlands gives you: Access to top-rated carriers and multiple market options Underwriters experienced with complex, high-value exposures Dedicated support through placement, endorsements, and policy servicing Flexibility to structure monoline or packaged solutions to fit client needs Midlands helps you deliver the level of protection and service affluent clients expect. For additional program details, refer to the program storefront or connect with a market specialist for placement assistance. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include homes valued at $500,000+, luxury and coastal properties at higher minimums, clients with high-end vehicles, valuable collections, or multiple residences. Can I write just the homeowners policy, or does it have to be a package?You can write a monoline homeowners policy or create a package that includes auto, excess liability, watercraft, and collections coverage depending on the client's needs. What are the minimum property value requirements?Minimums are $500,000 for most areas, $750,000 in Louisiana and Texas, and $1,000,000 for coastal properties. Which states is this program available in?The program is available in most U.S. states, including CA, TX, FL, NY, and many others. See the full state list above for details. What carriers does Midlands work with for this program?Midlands partners with multiple top-rated carriers to provide market access and flexibility for high net worth risks. Need help placing an account? Connect with a market specialist.

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