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...• Hardware Stores • Nail Salons • Musical Instrument Stores • Pet Stores • Rental Stores (NOC) • Shoe Stores • Ice Cream Stores • + Hundreds of other eligible classe...s program?In addition to convenience stores, we accept a wide range of retail classes including clothing stores, gift shops, nail salons, bicycle ...

Artists Fine Arts Insurance Program Huntington T. Block (HTB) is the oldest and largest fine arts insurance brokerage in the United States. Since 1962, HTB has worked with artists, collectors, museums, galleries, and conservators to deliver tailored insurance solutions. As a long-time partner of national organizations such as the American Alliance of Museums and the American Institute for Conservation, HTB brings specialized underwriting and claims expertise to fine arts risks. Overview of the Program The Artists Fine Arts Insurance Program from HTB is created specifically for working visual artists who need comprehensive protection for their artwork — completed pieces, works in progress, and inventory held for sale. The program uses a proprietary policy form and competitive pricing to address the unique physical and transit exposures artists face, with options designed to support exhibitions, shipping, storage, and studio operations. Ideal Accounts and Appetite This program is a strong fit for: Professional visual artists (painters, sculptors, photographers, printmakers, mixed-media artists) Artists who maintain finished inventory and sell directly or through galleries Studios that store reference materials, art libraries, or tools and equipment Artists who regularly ship work domestically or internationally or exhibit at fairs and galleries Agents representing clients with dedicated studio spaces, active shipping schedules, or frequent exhibits will find HTB’s program particularly appropriate. Accounts with complex valuation needs or high-value finished works are welcome, provided full submission details are supplied. Coverage Highlights and Advantages “All risk” coverage for artwork, including transit, theft, fire, and accidental damage Worldwide protection for pieces in transit, on exhibit, or in storage Coverage for works in progress as well as finished art and inventory Comprehensive valuation clause to address agreed value and appraisal issues Certificates of insurance available for exhibitions, galleries, and sales events Property and casualty options to cover studio contents, tools, and business property Subrogation waivers available upon request to meet contract requirements Flexible premium payment options to accommodate client budgets HTB also provides access to an experienced in-house fine arts claims team to ensure knowledgeable, responsive handling when losses occur. Underwriting Notes and Minimum Premiums HTB operates with in-house underwriting authority and exclusive carrier relationships, enabling fast turnaround and efficient quoting. The minimum premium for accounts submitted to this program is $2,000. For competitive and timely proposals, agents should include detailed information about the artist’s body of work (including high-value pieces), storage and security practices, frequency and destinations of transit, exhibition plans, and any prior claims history. Territories and Availability The Artists Fine Arts Insurance Program is available in all 50 states and the District of Columbia, including major art markets such as New York, California, Texas, and Florida. Coverage is placed on paper from Ironshore Indemnity Inc. Why Work With Huntington T. Block HTB combines deep sector knowledge with dedicated fine arts underwriting and claims service. As a Managing General Underwriter with proprietary policy forms and access to top-tier carriers, HTB helps agents place specialized fine arts risks that standard commercial markets may decline or limit. Whether your client is an established artist with high-value inventory or an emerging practitioner needing studio and transit protection, HTB offers tailored solutions and market access. Writing with HTB gives you a partner experienced in valuing art, structuring appropriate coverages, and supporting placement needs—from certificates for shows to negotiated subrogation waivers in consignment agreements. 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 designed for professional visual artists who create, store, and sell original artworks. It’s ideal for clients who need protection for works in progress, finished pieces, inventory for sale, and artwork while in transit or on exhibit. What does the policy cover?The policy provides “all risk” coverage for artwork, including damage during transit, theft, fire, and accidental damage. It also includes valuation clauses and optional studio property coverage for tools, materials, and business property. Is coverage available nationwide?Yes. The Artists Fine Arts Insurance Program is available in all 50 states and Washington, D.C. What is the minimum premium for this program?The program has a minimum premium of $2,000. Final premiums vary based on valuation, scope of coverage, transit activity, and other risk factors. How fast can I get a quote?HTB offers quick turnaround through in-house underwriting authority. Submissions with complete details—inventory lists or sample valuations, storage and transit practices, and prior loss history—are processed most rapidly. Need help placing an account? Connect with a market specialist. Need help placing an account? Connect with a market specialist.

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.

...rs Fine arts and collectibles Musical instruments Cameras and camera equ...as jewelry, fine arts, collectibles, musical instruments, and golf equipment. Can I cove...

Bars and Taverns Insurance Program from Allstar Financial Group Allstar Financial Group’s Bars/Taverns Insurance Program is designed specifically for independent agents looking to place coverage for hospitality businesses with liquor exposures. Through our specialized underwriting division, Allstar Underwriters, we offer a comprehensive suite of coverages tailored to the unique risk profile of bars, taverns, pubs, and similar establishments. Our program provides flexible options that include Property, Casualty, Liquor Liability, and Umbrella coverage. Whether you’re quoting a small neighborhood bar or a larger venue with entertainment and food service, our streamlined process makes it easy to quote, bind, and serve your retail clients efficiently. Ideal Accounts and Appetite This program is a solid fit for: Bars and taverns with or without food service Establishments offering live music, DJs, or entertainment Hospitality risks needing Liquor Liability coverage Accounts in need of monoline or package options We also write a wide variety of associated risk types through our broader underwriting capabilities, including retail, wholesale, contractors, institutional, habitational, offices, and vacancies. However, the focus of this program is liquor-serving establishments. Coverage Highlights and Advantages Property Coverage Total Insured Value (TIV) up to $5 million per location Monoline or package policy options No coinsurance options available (based on risk type) Optional enhancements such as equipment breakdown Casualty Coverage Monoline or packaged with other coverages Minimum premium starting at $500 Primary limits up to $5 million per occurrence/aggregate Project-specific policies available Coverage for uninsured subcontractors Optional endorsements including: Blanket Additional Insured Waiver of Subrogation Primary and Non-Contributory wording Per Project/Per Location Aggregate Hired & Non-Owned Auto (for certain classes) Miscellaneous Professional (for certain classes) Liquor Liability Limits from $100K/$100K up to $1 million/$2 million Available as a monoline or package Assault and Battery coverage follows GL form Available in NC, SC, GA, TN, and VA Umbrella Coverage Limits up to $5 million Minimum premium starting at $750 Available on a supported or unsupported basis Underwriting Notes and Minimum Premiums Minimum premiums vary based on the type and size of the account, with entry points starting as low as $500 for General Liability. For Umbrella coverage, the minimum premium starts at $750. Underlying policy requirements include: Auto or GL carriers rated A-VI or better by AM Best Employers Liability carriers rated B++ or better GL limits must be at least $1 million/$2 million/$2 million Territories and Availability This program is available in the following states: Alabama, Georgia, Louisiana, Mississippi, North Carolina, South Carolina, Tennessee, and Virginia. Most coverages are available on a non-admitted basis across these territories, subject to state-specific eligibility. Why Work with Allstar Financial Group? Allstar Financial Group is a trusted Managing General Underwriter and Excess & Surplus Lines Broker with access to multiple carriers and markets. Our underwriting team understands the nuances of hospitality risks and is committed to providing fast, responsive service to our agency partners. Whether you're placing a new bar opening in Georgia or renewing a long-time tavern client in North Carolina, we offer the tools and expertise to help you succeed. Let us help you deliver tailored insurance solutions for your bar and tavern clients—quickly and efficiently. Contact Allstar Underwriters to get started today. Frequently Asked Questions What types of accounts are a good fit for this Bars/Taverns Insurance program?This program is ideal for bars, taverns, pubs, and similar establishments with liquor liability exposures, especially those that offer food service or live entertainment. Can I write liquor liability as a monoline policy?Yes, liquor liability can be written on a monoline or package basis, with limits available up to $1 million/$2 million in select states. What is the minimum premium for this program?Minimum premiums start at $500 for General Liability and $750 for Umbrella coverage, but final pricing varies depending on the risk type and location. Is this program available in admitted or non-admitted markets?Most coverages are offered on a non-admitted basis through highly rated carriers, subject to state availability and eligibility. Which states is this program available in?The program is currently available in AL, GA, LA, MS, NC, SC, TN, and VA. Need help placing an account? Connect with a market specialist.

...Limited or Broad Form options for musical instruments Breakage coverage av... as jewelry, fine art, collectibles, musical instruments, or contents in mini-storage un...

...t – Protection for sound systems, musical instruments, and other specialized property ...