Your gear is automatically covered where ever it is located, any where in the world. It doesn’t matter if it’s home, on the road, at a gig, the back seat of your car, or even checked as baggage with an airline.

The policy is referred to as an "All Risk" policy. This means that unintentional damage caused by anything that is not specifically excluded will be covered. Theft, accidental breakage, fire, lightning, vandalism, damage caused by vehicles or aircraft, windstorm, water or flood damage are all covered perils. Earthquake damage is even covered in California.

**Subject to policy terms, limits, conditions and exclusions. See the next question.

Some exclusions include:

• Normal wear and tear/deterioration, damage from normal use.
• Faulty repairs or workmanship
• Manufacturer defects
• Damage caused by mold, rust, corrosion, mildew, insects or vermin.
• Dishonest acts by you, or those entrusted with your property (other than common carriers for hire)
• Property that is loaned or rented to others

When you log into your account click on “Policy Changes” and then choose “Update Equipment List” from the main Account page. Then Save & Continue until you reach the Checkout page to submit. The site will calculate any change in premium (pro rated to the end of the policy term) and either charge or credit the card on file.

Our policy provides some automatic coverage for Borrowed or Rented Equipment of a type usual to your operations – up to $25,000 coverage for up to 30 days. Rentals that exceed these parameters can be accommodated with company approval at an additional charge.

You can email your .xls file to Insurance@MusicProInsurance.com for processing. Please include the Application Id number in your email.

We offer the same rates and coverage to all music professionals. Our deductible is only $100 per incident (not per item). Presently there are no deductible options.

The annual premium must be paid in full in order to activate coverage.

Once you submit an application with a payment (Visa, MasterCard, Amex or Discover) it will be reviewed by a customer service representative. Everything usually gets processed the same day. If it’s after normal business hours it will likely be processed first thing the next morning. Submissions are reviewed on the weekends and holidays as well. You will receive an email confirmation with a copy of your new policy attached.

The Commercial Inland Marine policy form is the type of form used by the insurance industry to include coverage while the property is in transit or ‘off-premises.’ It was originally created as an extension of Ocean Marine insurance to provide coverage from shipping docks to the final destination.

You will see on Page 2 of your declaration where it specifies ‘Musical Instruments and Related Equipment.’

You will be paid the actual cash value at the time of loss if the equipment is not replaced. Your instruments will be valued at replacement cost, if replaced. Replacement items are to be substantially identical to what was stolen or damaged. If an item is no longer being made, a similar item that performs the same functions will be allowed.

The policy has a low deductible of just $100. This is applied per claim, not to each scheduled item. Separate limits and deductibles apply to Flood and Earth Movement.

This policy is underwritten by The Hanover Insurance Group (an A rated insurance company) since 2009.

You can contact Hanover directly to report a claim at 1.800.628.0250. They are available 24/7 to take the initial report. Have the policy number handy when you call. Visit our claims section for more info.

Target timing is to wrap up claims, with a check in the mail, within 24-48 hours. The time frame for any given claim is always fact specific and can depend on how long it takes to get a police report (in the event of a theft), or a written estimate for repairs (in the event of damage caused by an accident).