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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.

Overview — Cyber Liability for Educational Institutions Education Insurance Services (EIS) offers a targeted Cyber Liability program designed specifically for schools, districts, and other educational organizations. Schools act as both educators and employers and routinely store sensitive data — social security numbers, payroll records, academic and employment files, health information, and more. Those records make educational institutions attractive targets for cybercriminals. A general liability policy will not cover many of these exposures; a tailored cyber policy that includes privacy liability and breach response is essential. Our Cyber Liability protection program gives agents access to a market that understands the unique operational and regulatory pressures faced by educational clients. EIS combines underwriting expertise in the education sector with coordinated breach response services so your clients can recover faster and reduce the likelihood of costly third-party claims. EIS provides quick and coordinated responses to breach events, which include but are not limited to: Mitigation services Immediate notifications for affected parties Public relations support Call center services for incident response Crisis management expense coverage Third-party liability coverage (privacy and network liability) Complimentary loss control and risk improvement resources Risk management information and guidance Educational webinars tailored to the education market Online resources and best practices for cyber preparedness Coverage Highlights and Advantages First-and third-party coverage options tailored to educational exposures, including breach response costs and liability defense. Privacy liability for student, parent, teacher, and staff data. Incident response services integrated with the policy to get your client the right experts quickly. Value-added risk management: complimentary training webinars, templates, and online materials focused on schools. Underwriting that recognizes the operational realities of K–12, charter, private, and specialty schools. Ideal Accounts and Appetite This program is designed for educational institutions including public and private K–12 schools, charter schools, preschools and daycare programs, vocational and trade schools, small college administrative units, and school districts seeking focused cyber protection. Ideal accounts typically: Maintain basic IT/security controls (password policies, backups, endpoint protection). Store or process student and employee personal identifiable information. Require vendor and third-party breach coverage or contractual cyber protections. Accounts that may not fit: institutions with unresolved or recent material breaches, extensive unmanaged third-party hosting without strong contractual controls, or highly unusual cyber exposures. Underwriters will evaluate claims history, security posture, and incident response preparedness. Underwriting Notes and Minimum Premiums Underwriting typically requires a completed application and may request a security questionnaire or summary of IT controls, recent claims history, and the institution’s incident response plan. Minimum premium: Varies. EIS offers complementary loss control resources to help reduce risk and improve insurability. Territories and Availability Admitted status: Most Available States. Available in: AL, AK, AZ, AR, CA, CO, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, MD, MI, MN, MS, MO, MT, NE, NV, NJ, NM, NC, ND, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, DC, WV, WI, WY. Why Work With Education Insurance Services on This Program As a managing general agency with a focus on the education market, EIS combines sector knowledge with cyber underwriting and response services tailored to schools. Agents get access to coordinated breach response resources, educational risk control materials, and a partner that understands school operations and vendor relationships. That combination helps protect your clients’ students, staff, and reputation while giving you a market that can place this specialized coverage. Example client scenarios You have a private K–8 school that stores student medical and academic records digitally and needs breach response coverage plus privacy liability limits suitable for parent notification and credit monitoring costs. You represent a charter school network that wants a single policy to cover both first-party breach response costs and third-party liability for a vendor-related incident. Give us a call or send us an email today to start your education client's Cyber Liability policy now! Frequently Asked Questions What types of educational accounts are a good fit for this EIS program?Public and private K–12 schools, charter schools, preschools/daycares, small vocational schools, and school administrative units that store student and employee personal data and have basic IT controls are good fits. What materials will underwriters typically request?Underwriters commonly request a completed application, recent claims history, and a brief summary of IT/security controls or an incident response plan. Additional information may be requested for larger or higher-risk accounts. Does the program include breach response services or only liability limits?The EIS program pairs liability coverage with coordinated breach response services — mitigation, notifications, call center support, and public relations — to help insureds manage incidents quickly. How broadly is the program available?The program is available in most states (see storefront for the full state list). Availability can vary by state and by specific account characteristics. 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.

Our Miscellaneous Professional Liability Insurance program from INSURANCE MARKETS AGENCY INC is designed for independent agents who need a flexible market for businesses that provide professional or administrative services but do not fit into traditional professional malpractice markets. The program helps protect your clients when they are sued for alleged negligence, errors, omissions, misrepresentation, or failure to perform professional services — even in situations where no actual mistake has occurred. Underwriting and carrier appetite vary by class; this program places business on a non-admitted / E&S basis through experienced underwriters. Classes: Answering Services Arbitrator Billing Service Book Keeper Business Manager Caterer Claims Adjuster Classroom Instructor Cleaning Service Coaching Service Collection Agency Consultants Damage Appraiser Dance Instructor Dog Obedience School Employment Agency Event Planner Graphic Designer Insurance Inspector Mailing Services Notary Payroll Processing Pet Grooming Service / Pet Sitter Photographer Printer Private Investigator Property Manager Sports Instructor Teacher / Tutor Third Party Administrator … And Many More! Overview of the Program The program is intended for small- to mid-sized professional and service businesses that face liability from the services they perform. INSURANCE MARKETS AGENCY INC places these accounts with multiple E&S carriers (carriers vary by class) to provide competitive coverage and capacity when admitted markets are limited or unavailable. Policies are underwritten with practical, serviceable terms for common professional exposures and are supported by brokers experienced in miscellaneous professional liability. Ideal Accounts and Appetite This program is a strong fit for businesses that provide non-licensed professional, administrative, or technical services, including but not limited to: consultants, billing and payroll firms, event planners, photographers, graphic designers, private investigators, property managers, instructors/coaches, and similar classes listed above. Typical accounts have: Clear, documented service descriptions and client contracts. Reasonable annual revenues for a small or medium business. Limited or manageable prior claims history (loss runs required). Operations primarily in New Jersey and Pennsylvania (see Territories below). Coverage Highlights and Advantages Protection for allegations of negligent professional service, errors, omissions, and related defense costs. Flexible limits and endorsements available depending on carrier and class. Access to multiple E&S carriers through a single wholesale partner for faster placement options. Underwriters experienced with miscellaneous classes — helpful for unusual or mixed-service operations. Underwriting Notes and Minimum Premiums Submission requirements typically include a completed application (ACORD or carrier form), a description of services, revenue or payroll breakdown, and current loss runs (usually last 3–5 years). The program generally has minimum premiums in the range of Varies from $2500 - $7500 depending on class, limits, and exposure. Because carriers vary, appetite and specific terms are determined on a per-risk basis. Territories and Availability This program is available in: NJ, PA. Placement is generally through the E&S market; admitted availability is limited. Agents should confirm state eligibility for each submission. Why Work With INSURANCE MARKETS AGENCY INC As a general agency and E&S broker, INSURANCE MARKETS AGENCY INC combines access to multiple markets with underwriting experience for miscellaneous professional risks. You get a single point of contact for placement, tailored underwriting attention for mixed or non-standard operations, and practical guidance on risk presentation to improve chances of competitive terms. Example Accounts That Often Fit You might have a freelance graphic designer with modest annual revenue who needs professional liability limits to contract with a local agency — this program can provide appropriate limits and wording. Or an employment agency that screens candidates and wants coverage for alleged negligent placement or inaccurate references — the program can evaluate and place that exposure through E&S carriers. To learn more about our Miscellaneous Professional Liability Insurance or any other insurance we offer please give us a call 570-586-1471, and ask for Ryan, Bill, Peter or Joe Tierney Frequently Asked Questions What types of accounts are a good fit for this program?Good fits are non-licensed professional and administrative service providers such as consultants, payroll processors, event planners, photographers, property managers, tutors, and similar classes. The program targets small- to mid-sized operations without specialty medical, legal, or accounting malpractice exposures. What is the minimum premium and how are rates determined?Minimum premiums typically range from $2,500 to $7,500 depending on class, limits, revenue, and loss history. Final premiums and terms are determined by the chosen carrier and the specific risk characteristics. What submission materials do underwriters require?Underwriters generally want a completed application (ACORD or carrier form), a clear description of services and operations, revenue or payroll figures, and current loss runs (usually last 3–5 years). Contracts or sample engagement letters may be requested for higher exposure accounts. Are there classes you will not consider?The program is not intended for risks that belong in specialized malpractice markets (for example, physicians, dentists, lawyers, and sometimes CPAs or architects/engineers). High-hazard operations or clients with significant unresolved claim activity may also be declined or require referral. How long does it take to get a quote?Turnaround depends on the completeness of the submission and carrier review, but agents can generally expect an initial quote or feedback within a few business days after a complete submission is received. Need help placing an account? Connect with a market specialist.