Instrument Insurance

As a professional musician, you depend on your instruments and equipment. Just think of the exorbitant costs of replacing that equipment. If your instruments are part of your business, homeowner’s and renter’s insurance will not protect you. Also, homeowner’s and renter’s insurance is usually not all-inclusive. If your instrument, computer or equipment is lost, stolen or damaged on location, your homeowner’s and renter’s insurance probably will not help you.

With the “All-Risk” Musical Instrument and Equipment Insurance Plan, your instruments and music-related equipment are protected wherever you go…up to the replacement cost, but no more than the scheduled limit for each item. Your instruments and equipment are protected from vandalism, breakage, water, fire, lightning and theft…no matter where you take your equipment!

Features of the Program:

  • All Risks coverage on your instruments and equipment
  • Worldwide coverage
  • Rental reimbursement if you need to rent an instrument or equipment in the event of a loss, up to $1,000
  • $50 Deductible
  • Commercial General Liability including bodily injury, property damage, medical payments, tenants legal liability and non-owned automobile

Rates and Premiums:

  • $2.75 rate per $100 sum insured for Instruments & Equipment
  • Liability rates ($500 deductible)
  • $1,000,000 limit - $25 per member
  • $2,000,000 limit - $50 per member
  • (Higher limits available upon request)

For more information visit the Instrument Insurance website, call toll free 1-800-503-9230 or email.