Search CompleteMarkets

Musical Instrument Dealers Insurance Program – Exclusive Coverage for Musical Instrument Retailers and Repairers Help your musical instrument dealer clients protect th...t that manages all claims related to musical instruments, ensuring expert handling and e...

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.

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.

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.

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.

Commercial Galleries and Private Art Dealers Insurance Program – Exclusive Fine Arts Coverage from Huntington T. Block (HTB) As an insurance agent or broker serving art galleries and private art dealers, you understand how critical it is to protect valuable and often irreplaceable collections. Huntington T. Block (HTB) offers a dedicated Commercial Galleries and Private Art Dealers Insurance Program designed to meet the specialized needs of commercial galleries and fine art dealers across the U.S. Overview of the Program From Huntington T. Block HTB has been a trusted name in fine arts insurance since 1962. Our in-house team combines deep industry experience in both insurance and the fine arts community, giving brokers direct access to professionals who understand the unique exposures your clients face—from valuation and transit to exhibit risks and loss mitigation. We work with Ironshore Indemnity Inc. and offer admitted coverage in all available states. Our program is tailored to address the diverse and global nature of art transactions, with coverage structured for both domestic and international risks. Ideal Accounts and Appetite This program is best suited for: Commercial art galleries Private art dealers Members of professional art associations, such as ADAA and IFPDA You might have a client who travels internationally to exhibit artwork or who rotates high-value pieces in and out of private collections. HTB’s program is designed to protect those types of exposures with robust, wall-to-wall coverage. Coverage Highlights and Advantages Exclusive fine arts underwriting facility with over 60 years of experience All-risk coverage, including breakage Worldwide transit and location coverage—“wall-to-wall” protection Blanket limits for property in the care, custody, and control of the insured Special clauses for “Loss Buy Back” and “Pairs and Sets” Coverage for works of art on loan, in transit, or at exhibitions/fairs Depreciation coverage for value lost after damage Low deductibles starting at $1,000 In-house fine arts claims department with authority to settle quickly Insurance requirement and contract review services CAT coverage for terrorism, earthquake, wind, and flood (subject to underwriting) We also provide a specialized Dealers Form for members of ADAA and IFPDA, offering tailored enhancements to meet association standards. Underwriting Notes and Minimum Premiums HTB offers both standard and special insurance programs with competitive rates. Our in-house quoting authority enables a typical turnaround of 24 hours for complete submissions. Minimum premiums start at $2,500, and we evaluate each submission based on the specific risks and operations of the gallery or dealer. Territories and Availability This program is available in all 50 states and the District of Columbia, including key art hubs such as New York, California, Florida, and Texas. HTB is licensed nationwide and can offer admitted solutions through Ironshore Indemnity Inc. Why Work With Huntington T. Block HTB is more than an insurance provider—we are fine arts advocates with over 200 years of cumulative industry experience. Our long-standing relationships with professional associations such as the Art Dealers Association of America (ADAA), International Fine Art Printers Association (IFPDA), and the New Art Dealers Alliance (NADA) demonstrate our commitment to the sector. Partnering with HTB gives you and your clients access to a niche insurance program that understands the business of art from every angle. Whether your client is a dealer managing rotating inventory or a gallery hosting international exhibits, HTB provides the protection and expertise you need to place business with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?The program is ideal for commercial art galleries and private art dealers, including those who participate in exhibitions, art fairs, or manage artwork on consignment or loan. Is this program available in all states?Yes, the program is available in all 50 states and the District of Columbia. Coverage is offered on an admitted basis through Ironshore Indemnity Inc. What is the minimum premium for this program?The minimum premium starts at $2,500, with pricing based on exposure, risk profile, and underwriting review. Does the program cover international transit and exhibitions?Yes, the policy provides worldwide “wall-to-wall” coverage, including domestic and international transit and art displayed at exhibitions or fairs. Are there any special benefits for members of art associations?Yes, members of ADAA and IFPDA may qualify for a Special Dealers Form that includes tailored enhancements specific to their association’s standards. Need help placing an account? Connect with a market specialist.

...pes and performance ensembles Musical groups and chamber ensembles Orc...oard and protection for high-value instruments transported between rehearsal s...

The art instructor and stem instructor insurance program is designed to meet the unique needs of a U.S.-based independent instructor of the arts. Coverage provided includes important liability protection for liability claims arising out of their operations. Please note, this program does not provide liability coverage for the operation, ownership or management of an art or music facility. Eligible Operations for the Art and Stem Instructor Insurance: An instructor age 18 or older who conducts private or group instruction for any of the following is eligible to enroll in this program: - Artistic painting instructor insurance - Clay work and or pottery instructor insurance - Craft making instructor insurance - Culinary (chef, baker) instructor insurance - Digital photography and/or art instructor insurance (classroom setting only) - Drama instructor insurance - Drawing instructor insurance - Instrumental Music (brass, percussion, string woodwind) instructor insurance - Language instructor insurance - Piano, keyboard and/or organ instructor insurance - Public speaking instructor insurance - Sculpting instructor insurance - Vocal instructor insurance Coverages Available & Program Highlights: General Liability - Bodily Injury and Property Damage - Personal and Advertising Injury - Products and Completed Operations - Damage to Premises Rented to You - Medical Expense (other than participants) - Professional Liability - Bodily Injury to Participants Please contact our regional sales directors for questions about programs offered by K&K. David Mello – AK, AZ, CA, CO, HI, IA, ID, IL, KS, MA, ME, MN, MO, MT, ND, NE, NH, NJ, NV, NY, OK, OR, SD, UT, VT, WA, WI, WY [email protected] 260.438.7611 Nick Pentsos – AL, AR, CT, DC, DE, FL, GA, IN, KY, LA, MD, MI, MS, NC, NJ, OH, PA, RI, SC, TN, TX, VA, WV [email protected] 260.222.1864

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.

...tents, and specialty items (e.g., musical instruments). Crime and fidelity coverage de...