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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.

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Private Art Collectors Insurance Program – Exclusive Fine Art Coverage by Huntington T. Block (HTB) As an insurance agent or broker serving high-net-worth individuals, you know fine art presents unique risks—from transit and exhibition exposures to specialized valuation and storage concerns. Huntington T. Block (HTB) offers a dedicated solution: our Private Art Collectors Insurance Program, a stand-alone fine arts product designed to protect valuable collections wherever they are located. Overview of the Program From Huntington T. Block HTB is a nationally recognized Managing General Underwriter with deep experience in the fine arts market dating to 1962. We underwrite a proprietary stand-alone fine art policy offered through top-rated carriers such as Ironshore Indemnity Inc., and our form is among the broadest available in the U.S. This program is intended to provide more complete protection for collectors than typical homeowners or personal lines policies. Ideal Accounts and Appetite This program is a fit for agents placing private collectors and their advisors. Typical accounts include: High-net-worth individuals with significant fine art, antiques, or rare collectibles Collectors with items across primary and secondary residences, storage facilities, or trustee holdings Clients who loan works to museums, galleries, or exhibitions domestically or abroad Example scenarios you might place with HTB: a collector with an extensive 19th-century painting collection displayed in a second home and stored offsite; or a client who regularly lends sculpture to international exhibitions and needs transit and on-loan protection. Coverage Highlights and Advantages All-risk coverage form with limited, defined exclusions (for example: war, nuclear events, wear and tear) Worldwide protection for owned and loaned items, including exhibition coverage Flexible scheduling: scheduled or blanket limits available to match valuation needs Domestic and international transit coverage options and transit-specific wording Coverage for pieces at home, in storage, in transit, and while on loan to third parties In-house fine arts claims team with specialized authority and expertise in art handling and recovery Competitive rates and deductible options (deductibles start at $1,000) CAT coverage options for terrorism, earthquake, wind, and flood—subject to underwriting Contract and insurance requirement review services to support lending and exhibition placements Underwriting Notes and Minimum Premiums HTB operates with in-house quoting and underwriting authority, enabling fast responses—often within 24 hours for complete submissions. Underwriters are fine-arts specialists who focus on accurate valuation, storage and transit practices, and exhibition exposures. The minimum premium for the program starts at $450 for up to $250,000 aggregate coverage. Territories and Availability This program is available in all 50 states and Washington, D.C., allowing you to place domestic and international exposure for clients based anywhere in the U.S. Why Work With Huntington T. Block HTB brings specialized fine arts underwriting and decades of market relationships to help you retain and grow your high-net-worth book. Our focused team provides responsive service, bespoke policy wording, and direct access to A XV-rated carriers. That combination makes HTB a practical choice when your clients need comprehensive, art-specific protection that homeowners policies do not provide. 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?Private collectors with fine art, rare collectibles, or valuable personal collections—especially those with high-value items, multiple locations, or frequent loans—are ideal candidates for this program. How does this program differ from homeowners insurance?HTB’s stand-alone fine arts policy offers broader, art-specific protections—worldwide coverage, transit and loan wording, and valuation flexibility—that most homeowners policies exclude or limit. Can collections on loan or in transit be covered?Yes. The program includes options for domestic and international transit coverage and protection for items loaned to museums, galleries, or other institutions, subject to underwriting terms. What is the minimum premium for this program?The minimum premium starts at $450 for up to $250,000 in aggregate coverage. How quickly can I receive a quote?HTB typically provides quotes within 24 hours for complete submissions thanks to in-house quoting authority and specialized fine arts underwriters. Need help placing an account? Connect with a market specialist.

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