Your Program

Our Musical Instrument Insurance Program provides comprehensive coverage including Property, Liability and Accidental Death and Dismemberment. Worldwide coverage ensures that you and your instrument are covered no matter which venue you are playing.

Program Coverages


Appraised or Replacement Value
You set the amount of insurance for each musical instrument (including attachments), when you complete your application. This is the appraised value of the instrument or the current replacement value.

Newly Acquired Instruments
Our automatic acquisition clause specifically pertains to newly acquired instruments. Upon acquisition, you have 30 days to report the value of the instrument. Until then, the maximum available coverage is $50,000.00.

Borrowed Instruments
If you borrow an instrument, you are automatically covered for up to $20,000; providing you notify us within 48 hours of the time you take possession of the borrowed instrument.

Substitution
Our substitution clause provides coverage (if there is none at the time) for any instrument obtained temporarily while your insured instrument is in for repairs. In this instance, the limit of insurance is equal to your instrument that is being repaired.

Extra Expense Rental
If your instrument is subject to a claim caused by an insured coverage and you require a similar valued instrument to continue your work, your policy will extend to cover the rental of a similar instrument up to a maximum of $7,500.

Your Deductible
Each claim for instrument loss or damage is subject to a $500 deductible. A higher deductible is available at reduced premiums. Please contact our office at 1-800-665-8990 for details.

Liability Coverage
Your policy includes liability coverage for property damage or bodily injury to a third party if you are held liable in your profession as a musician.

Reduction in Value Coverage 
Your Musical Instrument Insurance may also be extended to cover:

a) Loss in value due to affected playing qualities of your instrument following repairs of damage after an insured loss. The policy pays the difference between the appraised value of your repaired instrument and the appraised value prior to damage.

b) Difference in value if your damaged instrument is replaced and the replaced instrument is appraised less than the damaged instrument was appraised prior to loss.

For this special extension to apply, an appraisal of your instrument by an independent appraiser must be done within 36 months of the policy renewal date.

Accidental Death and Dismemberment
24-hour worldwide accident coverage ensures that you are covered whether you are at home, work or travelling.