Musical Instrument Insurance Solutions for Dealers & Makers
Running a musical instrument business means handling valuable items that move frequently, change hands, and depend on condition and provenance.
We arrange cover built around the way you trade and work, including protection while instruments are on your premises and when they are being moved in transit. Where needed, cover can extend worldwide and include loss of value following accidental damage, subject to agreed terms.
With more than 20 years’ experience placing cover for musical instrument dealers and makers, we focus on clear advice and practical outcomes when you need to act quickly.
Who we work with
Where craft meets commerce.
Dealers and makers.
Musical instrument dealers
From specialist shops to multi-location traders, including stock on display, in storage, and on approval.
Musical instrument makers
Workshops and makers handling finished instruments, parts, and items in progress, whether held on site or moved for delivery.
Businesses holding instruments and stock at their premises
Where condition, provenance and security matter, and where day-to-day handling increases exposure beyond a standard commercial policy.
Businesses moving instruments in transit as part of trading
Cover shaped around regular movement, including deliveries, collections, showings, and consignments, subject to agreed terms.
What we can cover
From premises to transit. Solutions follow.
All-risk cover can respond to the events that interrupt trading, from theft and fire at your premises to damage during routine movement. The structure reflects day-to-day handling, with transit, wider territory and loss of value included where agreed.
All risks cover for instruments and stock
Cover for physical loss or damage unless specifically excluded, tailored to your business and how instruments are handled. Typically includes:
- Fire, theft and water damage
- Cover while on your premises
- Cover while in transit
Worldwide and loss of value options (where agreed)
Where appropriate, terms can include:
- Worldwide cover
- Loss of value due to accidental damage
Tailored structure
We structure cover around your risk exposure, so the policy reflects how you operate day to day.
Need our advice?
Speak to our specialist team about insuring a single instrument or an entire collection, whether at home, on stage or on the road.
FAQs
Yes. We arrange insurance for musical instrument dealers and makers alike.
Yes, subject to agreed terms.
Yes. Transit can be included within the policy, subject to agreed terms.
We arrange an All Risks policy with worldwide scope as standard. This can include your own stock, customer stock, items on loan and instruments in transit. Wood stock, tools and related fixtures and fittings at your premises or home can also be included. Risks typically covered include fire, theft, flood, loss, accidental damage and loss of value following an incident.
Settlement is generally based on cost price plus 30%, or selling price less 20%, as stated in your schedule.
As standard, the policy does not include an excess, so you would not be required to contribute towards a claim.
Yes. A discount of up to 25% can apply based on your claims history over the past five years, regardless of where you were previously insured.
Not as standard for you or your employees, but an extension can be arranged. If the instrument is on loan to a third party, this is already included.
We will ask you to complete a short form about your business and stock. From there, we will send a quotation and talk you through the next steps.