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Museum Collections Insurance Program – Exclusive Fine Arts Coverage for Museums and Historical Societies Huntington...e available for American Alliance of Museums (AAM) members and accredited inst...

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

... country. HTB insures over 1,000 museums, 500 art galleries, and numerous For...art, historical artifacts, or rare collections. What is the minimum premium fo...

...ed to protect valuable personal collections and dealer inventories of antiques...ccessible for both small and large collections. States and Availability T...

... worked with artists, collectors, museums, galleries, and conservators to deli...ons such as the American Alliance of Museums and the American Institute for Co...

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

MCGOWAN, DONNELLY & OBERHEU, LLC Errors and Omissions Professional Liability Insurance Overview of the Program From McGowan, Donnelly & Oberheu The McGowan Companies, through McGowan, Donnelly & Oberheu, LLC, offers a comprehensive Errors and Omissions (E&O) Professional Liability Insurance program designed for a wide range of professional service providers. As a trusted wholesale broker, we provide access to both primary and excess E&O coverage, tailored to mitigate the financial risks professionals face in the course of business. With access to multiple carriers and availability in most states, this program gives agents and brokers a flexible, nationwide solution for placing E&O risks. Ideal Accounts and Appetite This program is ideal for professionals who provide expert advice or services and are at risk of claims due to negligence, errors, or omissions. Eligible classes include but are not limited to: Actuaries Benefits Consultants Bookkeepers Business Brokers Claims Adjusters Collection Agents Credit Counselors Document Storage Services Employment Agencies Expert Witnesses Franchisors HR Consultants Management and Market Research Consultants Medical Billing Services Premium Finance Companies Safety Consultants Temporary Staffing Services Third Party Administrators Testing Laboratories Trustees If you have clients operating in any of these fields, especially those with growing operations or specialized exposures, this program is built to support their coverage needs. Coverage Highlights and Advantages Our Errors and Omissions program provides professional and management liability coverage designed to protect businesses from claims of negligence, misrepresentation, violation of good faith, and inaccurate advice. Key features include: Access to both primary and excess coverages Flexible policy structures to accommodate various industries Coverage for defense costs, settlements, and judgments Customized underwriting for niche and hard-to-place risks For example, if you're working with a medical billing company expanding into new markets or a management consultant serving high-value clients, this program can help safeguard against the unique exposures those professionals face. Underwriting Notes and Minimum Premiums Underwriting is tailored to the specific class of business. While minimum premiums vary by risk and carrier, we strive to provide competitive pricing for both small and mid-sized firms. Our underwriters are experienced in reviewing complex professional liability risks and can assist in structuring placement options that meet your client’s needs. Territories and Availability This program is available in most states, including but not limited to: CA, TX, FL, NY, IL, PA, OH, GA, NC, and many others. Coverage is offered on an admitted basis in most available states, depending on the class and carrier involved. We work with a variety of markets to ensure broad geographic and industry reach. Why Work With The McGowan Companies? The McGowan Companies is a trusted name in specialty insurance, and McGowan, Donnelly & Oberheu brings deep expertise in professional liability. Agents and brokers benefit from our market reach, responsive service, and ability to accommodate both standard and hard-to-place accounts. Whether you are placing a single policy or looking for a long-term solution for your professional clients, we offer the tools and support to help you succeed. For more information on Errors and Omissions Professional Liability Insurance, please contact us! Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for professionals such as consultants, claims adjusters, staffing agencies, HR specialists, and medical billing services that face liability risks from the services they provide. Is this E&O insurance available nationwide?The program is available in most states, including all major markets. Availability may vary by class of business and carrier. What coverage limits are offered?Both primary and excess coverage limits are available. Limits can be tailored based on the client’s size, industry, and risk profile. Can you help with hard-to-place risks?Yes. We specialize in placing both standard and non-standard E&O risks and have access to multiple carriers to support complex or unique exposures. How quickly can I get a quote?Turnaround times vary depending on the complexity of the risk, but our underwriting team works efficiently to deliver quotes as promptly as possible. Need help placing an account? Connect with a market specialist.

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.