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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...

... country. HTB insures over 1,000 museums, 500 art galleries, and numerous For...ram?This program is ideal for public museums, libraries, universities, and gov...

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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.

Symphony Orchestra Musical Instrument Insurance Program (MIIP) – Exclusive Musical Instrument Coverage for Symphony Orchestras Huntington T. Block (HTB) offers a focused insurance solution for agents and brokers placing musical instrument risks for symphony orchestras and performance ensembles. The Musical Instrument Insurance Program (MIIP) provides broad, all-risk protection that travels with the ensemble—on stage, in transport, during rehearsals, and for temporary loans or borrows. Ideal Accounts and Appetite HTB’s MIIP is built for a range of organized musical groups. Ideal accounts include: Symphony orchestras and philharmonic organizations Professional, regional and community performance groups University and conservatory ensembles Music education associations and nonprofit music organizations The program also fits groups affiliated with professional associations such as the American String Teachers Association, Suzuki Association of America, and Music Teachers National Association. Coverage Highlights and Advantages The MIIP is designed to be flexible and tailored to each group’s inventory and operations. Key features include: All-risk protection for owned and borrowed instruments Worldwide coverage — including while instruments are in transit or on tour Temporary loan and borrow coverage (subject to underwriting approval) Group and association policy options with competitive pricing for eligible members Dedicated in-house claims team experienced with musical instruments Policies placed with market-leading carriers *Includes coverage for allowing someone to temporarily use your instrument or temporarily borrowing someone else’s instrument. Coverage subject to underwriting approval. Underwriting Notes and Minimum Premiums HTB underwrites each account based on the group’s instrument schedule, total valuations, travel patterns, and security controls. The program’s minimum premium is $1,000. For smooth submissions, be prepared to provide a detailed schedule of instruments, individual valuations, storage/transport procedures, and any loan agreements. Territories and Availability The MIIP is available in all 50 states and Washington, D.C. HTB operates as a licensed insurance producer nationwide (including CA License #0825502 and Texas License #17489). Policies are written through admitted, top-tier carriers such as ACE and Chubb, with admitted status available in all states. Why Work With Huntington T. Block (HTB) With more than 70 years of experience insuring musical instruments, HTB is a recognized specialty market. HTB currently insures thousands of individual instrument owners and dozens of musical organizations. Their niche expertise, underwriting familiarity with instrument values and exposures, and a claims team versed in repair/replacement of fine instruments make HTB a reliable partner when placing music-related property risks. Whether you’re placing a touring symphony, a university orchestra, or a regional music association, HTB can craft a policy that protects valuable instruments and minimizes operational disruption—so the music goes on. 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?The MIIP is ideal for symphony orchestras, philharmonics, university and conservatory ensembles, music associations, and touring performance groups that need coverage for instruments at home, in transit, and abroad. Can the program cover instruments that are temporarily borrowed or loaned?Yes. The MIIP includes coverage for temporary loans and borrows, subject to underwriting approval—useful for organizations that share, rotate, or accept loaned instruments. Is this program available in all states?Yes. The program is available in all 50 states and Washington, D.C., and is placed through admitted carriers such as ACE and Chubb. What is the minimum premium for this program?The minimum premium starts at $1,000. Final pricing depends on the size of the group, total instrument value, and specific coverage needs. Why should I place my client’s instrument coverage with Huntington T. Block?HTB brings deep niche expertise—over 70 years in musical instrument insurance—along with tailored underwriting, a specialized claims team, and access to top-rated carriers, which helps you secure appropriate protection for valuable instruments. Need help placing an account? Connect with a market specialist.