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Resources

Please see below for articles covering an array of potential areas of risk and issues you may face, along with some related claims scenarios, and ways you can potentially help mitigate those risks.

Why Museums May Want to Consider Adding This Important Coverage to Their Policy

By Huntington T. Block Insurance Agency, Inc.
Many museums offer interactive experiences involving minors, such as classes, workshops, field trips, summer camps, overnight stays, and more. Even with rigorous oversight and precautions, these activities have inherent risk exposures relating to Sexual Abuse and Molestation (SAM), and it is important to plan accordingly and understand what insurance options are available to help safeguard your museum, staff, members, and patrons. 
 

The Importance of Appraisals FOR Museums

By Lela Hersh, ASA, ISA AM
Sometimes, it’s only after an institution suffers a loss (fire, theft, flood, etc.), that it discovers that its collection is under-insured. Appraisals are a fundamental tool for cultural institutions in purchasing insurance for their collection. This article will discuss the importance and benefits of using appraisals when museums are in the process of determining their level of fine art insurance.
 

Limits-of-Coverage-Tips-for-Art-Dealers

Written by Taylor Armstrong​
An insurance policy is written with specific maximum payout amounts called limits; usually these limits are written on a per-occurrence basis, meaning that the limit is the most the insurer will pay in any one event or disaster.

This article discusses what considerations a gallery or dealer should take when determining what policy limit to obtain at each renewal and throughout the year.
 

Limits-of-Coverage-Tips-for-Art-Collectors

Written by Isabelle de St Antoine
A homeowners insurance policy is designed to insure your home rather than protect your art collection. If fine art is covered under a homeowner’s policy, it is generally limited coverage.

This article discusses why a personal art collector should consider a fine art insurance policy to protect their art against the unexpected, and what steps to take and consider when seeking a fine art insurance policy.
 

Limits-of-Coverage-Tips-for-Museums

Written by Adrienne Reid
An insurance policy is written with specific maximum payout amounts called limits; usually these limits are written on a per-occurrence basis, meaning that the limit is the most the insurer will pay in any one event or disaster. A museum’s limits may be considered “blanket” and as such, applied as needed for losses to permanent collection and/or loans.

This article discusses what considerations your museum should take when determining what policy limit to obtain at each renewal and throughout the year.
 

CYBER AND DATA RISK MANAGEMENT

By Ana Pereu, Intelligence Group, Aon’s Cyber Solutions

Increased digitalization, the development of Artificial Intelligence and cryptocurrencies, and an overall rise in cybercrime activities have impacted all sectors of the economy, including the art world.  How can you better protect yourself and minimize your risk?  

In this article, our team examines three areas of increasing cyber risk: third party cyber risk (systems and platforms), non-fungible tokens (NFTs), and the changing regulatory environment.
 

DISASTER AND RISK MITIGATION PLANNING

By Isabelle de St Antoine
Prior to the Covid-19 pandemic, disaster planning for fine art traditionally focused on being prepared for natural disasters affecting particular regions.

In March 2020, as the world came to a standstill, all businesses and individuals had to stop everything, and rethink about how they would continue to operate under such a level of uncertainty. Disaster preparedness took center stage and became a critical tool used to help determine essential operations and implement a continuity plan.
 

Appreciating Art Transport and Warehouse Risks

By Anne Rappa
When shipping your artwork either through long-haul transit to an international art exhibition or short-term warehousing, it is important to understand and review the safety and security of the shipping method as well as any temporary storage locations used along the way.

 

The best insurance programs are built on strong relationships with people that know you, care about you, and are committed to the protection of your treasures. We can customize our coverages to meet the specific needs of:

Museums | Art Galleries | Universities | Corporate Art Collections | Personal Art Collections
Conservators | Artists | Municipalities | Musical Instrument Owners | Musical Instrument Dealers | Symphony Orchestras

Schedule a Consultation

Call 1-855-219-3189
to speak to a HTB specialist

ABOUT US 

Huntington T. Block Insurance Agency, Inc. specializes in developing, marketing, and administering customized insurance programs for the art and music sectors. Some of the most prestigious museums, private collections, symphony orchestras, Fortune 500 corporations and art galleries in the U.S., as well as thousands of art and musical instrument owners, trust HTB to provide comprehensive, competitive insurance solutions.

Contact Us

Huntington T. Block Insurance Agency, Inc.
2001 K Street, NW
Suite 625 North
Washington, DC 20006
Phone: 855-219-3189 

199 Water Street, 8th Floor
New York, NY 10038
Phone: 866-692-4565

 

 
5555 San Felipe Street, Suite 1500
Houston, TX 77056
Phone: 832-476-6944

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