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...s faced by collectors, galleries, museums, dealers and consignors. As a genera...ate collections, galleries, dealers, museums and wine collectors where valuati...

...tutions hosting loaned works from museums or private collectors Whether your ...nd universities with permanent art collections, traveling exhibits, rare books, or other special collections are ideal fits. Institutions th...

...s. Designed in collaboration with museum professionals, gallery owners, and pr...able nationwide?Yes, the Corporate Collections Insurance Program is available ...

Antiques and Collectibles Program from Continental Risk / Continental Marine Insurance Services Continental Risk / Continental Marine Insurance Services offers a specialized Antiques and Collectibles Program designed to help agents and brokers place hard-to-insure risks in the antiques and collectibles market. Whether your client is a private collector or a commercial dealer, this program provides access to tailored coverages that address the unique exposures of this niche industry. Ideal Accounts and Target Classes This program is well-suited for a wide variety of insureds in the antiques and collectibles space, including: Private collectors of antiques and collectibles Antique dealers and shop owners Antique mall operators Estate sale professionals Antique show promoters and event organizers Collector's clubs and enthusiast organizations Antique auction houses Dealers of other acceptable collectible items You might have a client who runs an antique store with valuable vintage items or a high-net-worth individual with a personal collection of rare coins or art—both are good fits for this program. Coverage Highlights and Advantages The program offers flexible coverage options that address both property and liability exposures common in the antiques and collectibles market: Inland Marine and Business Personal Property – Ideal for mobile inventory and high-value items. Commercial Real Property – Protection for buildings and infrastructure. Commercial General Liability – Coverage for premises liability and operations. Limits available include: Up to USD $2,000,000 each and every loss, each and every risk USD $850,000 per location USD $2,000,000 General Liability per occurrence / aggregate Additional options include a minimum deductible as low as USD $250, making it accessible for a range of small to mid-sized accounts. Claims are handled by adjusters with expertise in antiques and collectibles, ensuring accurate and fair valuations. Underwriting Notes All policies are placed on a non-admitted basis through trusted carrier partners. While underwriting is flexible, risks must fall within acceptable collectible classifications. Agents should be prepared to provide detailed inventory lists or appraisals when applicable. There is no stated minimum premium, allowing for competitive placement across various account sizes. Territory and Availability This program is available in all 50 states and the District of Columbia, providing nationwide access for your clientele. Whether your client is located in a rural antique district or an urban cultural center, Continental Risk / Continental Marine Insurance Services is equipped to help you place coverage effectively. Why Work With Continental Risk / Continental Marine Insurance Services? As a wholesale broker specializing in niche markets, Continental Risk / Continental Marine Insurance Services brings deep understanding and tailored solutions to the antiques and collectibles industry. Their access to non-admitted markets and class-specific claims expertise make them a valuable resource for agents and brokers looking to serve collectors, dealers, and specialty businesses with unique property exposures. When you need a partner who understands the value—both monetary and sentimental—of antiques and collectibles, turn to Continental Risk / Continental Marine Insurance Services. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for antique dealers, private collectors, estate sale professionals, antique malls, auction houses, and similar businesses involved in selling or showcasing antiques and collectibles. Is this program available nationwide?Yes, the Antiques and Collectibles Program is available in all 50 states and the District of Columbia. What coverages are included in the program?Coverage options include Inland Marine, Business Personal Property, Commercial Real Property, and Commercial General Liability. Are there any minimum premium requirements?There is no stated minimum premium, making it suitable for small to mid-sized risks. Deductibles start as low as USD $250. Is this an admitted program?No, all policies are written on a non-admitted basis through select carrier partners. Need help placing an account? Connect with a market specialist.

...conservation studios that receive museum- or collector-owned pieces for treatm...els to historic sites to stabilize collections after a weather event—both are ...

...aluable and often irreplaceable collections. Huntington T. Block (HTB) offers ...value pieces in and out of private collections. HTB’s program is designed to p...

... - Museum insurance ... - Children’s museum insurance ...

Musician & Music Teacher Musical Instrument Insurance Program (MIIP) – Exclusive Coverage from Huntington T. Block (HTB) Huntington T. Block (HTB) offers a specialized insurance solution tailored for musicians and music educators through its Musical Instrument Insurance Program (MIIP). Whether your client is a professional violinist performing internationally, a high school band teacher, or a casual clarinet player, HTB’s MIIP delivers comprehensive protection for valuable musical instruments—backed by over 70 years of industry experience. Unlike standard homeowners policies, HTB’s MIIP is designed to meet the unique needs of musicians and educators. The program provides broad, worldwide coverage with protection that includes professional use, transit risks, and more. With over 6,000 individual instrument owners and more than 40 associations, orchestras, and symphonies insured, MIIP is one of the most trusted offerings in the U.S. for musical instrument insurance. Ideal Accounts and Associations Covered HTB’s MIIP is a great fit for: Professional musicians and performers Music teachers and educators at schools and universities Community orchestra members Instrument dealers and manufacturers Students and amateur musicians with high-value instruments HTB offers tailored coverage and special pricing for members of major music associations, including: American String Teachers Association International Society of Bassists National Association for Music Education Music Teachers National Association Suzuki Association of America Coverage Highlights and Program Features All-risk protection for direct physical loss or damage Worldwide coverage—including while in transit Coverage for temporary instrument loans and borrowed instruments* Symphony and orchestra-specific coverage available In-house specialty claims team with deep industry knowledge Comprehensive dealer and manufacturer programs Special pricing and benefits for association members Optional features such as inflation guard and right to retain damaged parts HTB MIIP vs. Homeowners Insurance Coverage Homeowners HTB MIIP Professional use Not covered Covered Breakage Typically excluded Covered Earthquake Typically excluded Covered Flood Not covered Covered Replacement instrument Not covered Covered Inflation guard Not covered Covered Difference in value No option At your option Right to keep damaged parts No option At your option Underwriting Considerations and Minimum Premiums Minimum premiums start at $250 for musicians and $145 for music teachers Coverage subject to underwriting review and approval Temporary loans/borrowed instrument coverage available with approval* Available Nationwide HTB’s MIIP is available in all 50 states and Washington, D.C., through admitted carriers ACE and Chubb. Agents can confidently place accounts nationwide with a reliable and well-established program administrator. Why Work With Huntington T. Block HTB is a Managing General Underwriter with unmatched expertise in musical instrument insurance. Formerly Merz–Huber, HTB has been a trusted name in the industry for over seven decades. Their deep knowledge of musical professions, in-house claims service, and long-standing relationships with top-tier carriers make them a go-to partner for agents and brokers nationwide. Whether your client is a touring violinist or a local music educator, HTB’s MIIP offers a flexible, competitively priced solution tailored to the needs of musicians and teachers. *Includes coverage for allowing someone to temporarily use your instrument or temporarily borrowing someone else's instrument. Coverage subject to underwriting approval. 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 musicians, music teachers, orchestras, symphonies, and instrument dealers or manufacturers. It's also suitable for students or hobbyists with high-value instruments. How does this coverage differ from a homeowners policy?Unlike homeowners policies, HTB's MIIP covers professional use, breakage, worldwide transit, floods, and earthquakes. It also offers optional features like inflation guard and coverage for borrowed or loaned instruments. Is this program available nationwide?Yes, the MIIP is available in all 50 states and Washington, D.C., through admitted carriers ACE and Chubb. Are there minimum premiums?Yes, minimum premiums start at $250 for musicians and $145 for music teachers. Final pricing depends on underwriting. Can this program cover borrowed or loaned instruments?Yes, coverage for temporarily borrowed or loaned instruments is available, subject to underwriting approval. 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.

...es, consignment arrangements, and museum/exhibit placements. The MGA model als...