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...ting loaned works from museums or private collectors Whether your client is a...fit for this program?Colleges and universities with permanent art collections,...

...endent agents and brokers placing private K–12 schools and private colleges/universities with up to 10,... program?The program is designed for private K–12 schools and private colleges/universities with enrollment up to 10,000 st...

Private Art Collectors Insurance Program – E...unts are a good fit for this program?Private collectors with fine art, rare co...

...nerate significant revenue for universities, often contributing to funding not...program is ideal for colleges and universities that host large-scale football ...

...nsurance solutions for public and private art collections across the country. ...al for public museums, libraries, universities, and government buildings that ...

...a term. This program is built for private schools and public/private colleges that face the financial imp...unts are a good fit for this program?Private K-12 schools, independent boardin...

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.

...s program is an excellent fit for private religious schools, seminaries, and f...ligious colleges, seminaries, and universities with specialized risks related ...