InsureMyEquipment.com
Music Equipment Insurance
What is music equipment insurance?
Whether you're a member of a professional band member, solo performer, music instructor or producer, anyone who owns music equipment has made a significant financial investment in their instrument(s) and gear. If you've invested in good-quality gear, music equipment insurance could help protect your gear and investment from a range of perils.
Music equipment insurance offers coverage specifically designed for musicians' needs. This insurance protects against a wide array of potential hazards that could damage or destroy your valuable equipment.
Who should consider purchasing music gear insurance?
Any individual or organization owning expensive music equipment should consider purchasing music gear insurance. This advice broadly extends to professionals, non-professionals and businesses. Some specific examples of the people and organizations that might purchase these policies include:
- Bands and solo musicians
- Professional DJs and producers
- Music teachers and schools
- Recording studios
- Music venues
- Instrument rental businesses
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What types of equipment can be insured through music equipment policies?
Insurance coverage is available for most types of music equipment. Depending on a policy's terms, it may cover equipment such as:
- Musical instruments (e.g., guitars, drums, keyboards)
- DJ equipment (e.g., turntables, mixers, speakers)
- Recording equipment (e.g., microphones, audio interfaces, monitors)
- Sound systems and PA equipment
- Music production software and hardware
- Miscellaneous accessories such as stands, cases, cables, etc.
An insurance agent specializing in music equipment policies can help check whether a particular piece of equipment would be covered by a policy.
What risks do music gear insurance policies protect against?
Music gear insurance policies provide protection against a range of risks that could cause substantial damage or total loss of the insured equipment. Coverage may extend to:
- Accidental damage
- Fire
- Theft
- Vandalism
- Flood and water damage
Accidental damage is, of course, an especially important protection to consider. Musicians would probably be wise to seek out a policy that covers accidents, and not all policies necessarily do. An insurance agent who's familiar with music equipment
Do music gear insurance policies cover equipment when it's being transported?
When moving equipment between locations, such as to and from gigs, there's an inherent risk of damage. Most music gear policies usually protect against damage or loss in these situations, offering peace of mind when transporting equipment.
Our policies include worldwide coverage, with the exception of Countries currently under sanctions by the US State Department.
How much does it cost to insure music equipment?
The cost of insuring music equipment can vary based on several factors. The most significant of these is usually the value of the equipment being insured. Insuring more expensive gear obviously costs more, because a claim would likely be higher if something ever happened.
Despite variances in cost, insuring even valuable music equipment is usually comparatively affordable. Policies are often affordable, even on a musician's pay.
Requesting a custom quote is the most accurate way to find out how much insuring specific music equipment would cost. A custom quote takes into account the specific equipment being insured, the equipment's value, and other details that can impact cost.
Where can musicians get music equipment insurance?
If you need insurance for your music equipment, request a quote from Insure My Equipment. You can review and bind (purchase) a music equipment insurance policy right on our website, potentially getting you insured before tonight's gig. Of course, knowledgeable agents are also available if you have any questions before you settle on a policy. We're here to support you -- and make sure your music equipment is protected well.
Client Testimonials
“I have had a great experience with InsureMyEquipment. They have reasonable rates and have been very hands-on with customer service as my coverage needs have changed. Highly recommend!”
“Best insurance company for all my gear! The customer service is amazing and they help me with all my last minute needs.”
“Incredible service. I needed a policy renewed over a weekend and needed a rental house to get information from them for rental insurance of equipment. Nadia went out of her way to provide services and to help With the rental house problem. Nice efficient, helpful, incredibly friendly and helped diffuse a very tense situation.”
“I feel much better knowing my gear is insured. Trying to do it with my homeowner’s or other agencies was a major pain and cost more. The portal is easy to use and adding equipment in the middle of a term is very painless. The support I have received along the way has been very helpful. There is a very pleasant person at the other end of the transaction who promptly replies to any questions. ⭐⭐⭐⭐⭐”
“Insure My Equipment has been my gear insurance provider for many years. Their website & customer service are great. I’m able to generate COIs right from the web. Any customer service issues are dealt with quickly. Highly recommend them”
“I’ve used InsureMyEquipment since 2017. Never had any problems and the pricing is more than fair. Highly recommend.”
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