Musical instrument insurance
Protecting your musical instruments has never been easier with our affordable, all-in-one coverage designed for all musicians. Available online, musical instrument insurance is quick to set up, easy to manage, and built for peace of mind. From theft and fire to accidental breakage, we’ve got you covered.
Join the many music professionals who trust Front Row for flexible options, great rates, and exceptional service.
Why choose Front Row Insurance for your musical instrument insurance needs?
Our musical instrument liability insurance is available entirely online through Front Row Insurance, a Westland subsidiary specializing in entertainment coverage. As Canada’s largest entertainment insurance broker, Front Row offers affordable, comprehensive protection designed for musicians and a wide array of other entertainment professionals.
No minimum premium
Flexible premiums for small artists to the largest tours.
Worldwide equipment coverage
Coverage when you need it, where you need it.
Contents coverage
Automatic $10K office contents coverage included.
Grace period for borrowed equipment
Get $10K of coverage for borrowed equipment for up to 30 days.
Automatic limit increase grace period
New purchases are covered up to $10K 30 days post-purchase.
Additional coverages
Full coverage for earthquake, flood and business income & expense coverage.
Who needs musical instrument insurance
Musical instrument insurance is valuable for a wide range of artists and professionals, not just full-time musicians. From hobbyists to composers, producers to touring bands, we have your instruments and equipment covered.
Professional-grade instruments can cost thousands, or even tens of thousands, of dollars. Musical instrument insurance protects against financial loss if they’re stolen, damaged, or destroyed.
Professionals with studio gear, mixing boards and digital instruments or similar equipment can protect it with musical instrument insurance. Our musical instrument insurance has you covered against flood and earthquake, giving you peace of mind.
Even if music is just a passion, your instruments are still worth protecting. Whether you’re playing at home, heading to a jam session, or taking lessons, accidents can happen, gear can be dropped, damaged, or even stolen. It’s important to note your home insurance policy may fall short when it comes to protecting valuables.
Musical instrument insurance FAQs
Protecting your instruments with Front Row is simple and stress-free. Whether you’re playing for fun or just starting your musical journey, our coverage gives you peace of mind knowing your gear is insured against theft, damage, and more. It’s affordable, flexible, and designed to fit your lifestyle, so you can focus on enjoying the music. Below are some common questions to help you get started.
Music school insurance is offered in Canada but separate from our musical instrument insurance online program. Protégé is an insurance product custom-designed for art schools (including music schools) by Front Row Insurance. Read more about the policy here. This policy can be arranged offline.
You don’t need to provide a list of your instruments or equipment to get coverage with Front Row. Just keep your own records and proof of ownership handy. If you ever need to make a claim, your adjuster will ask for that documentation. For vintage instruments, we require the appraisals.
Here is an example claim to help with illustrating how instruments are valued.
Example: If you own a vintage Les Paul guitar that is appraised at $25,000 and you do not request that your instrument be valued based on agreed value, the policy would only provide you with a new Les Paul guitar of comparable material and quality used for the same purpose in the event of an insured loss. In order to make sure that you could replace your vintage guitar with another vintage guitar of same value as your original appraised guitar, you need to contact our office to arrange a custom quote and provide a copy of an appraisal that is less than 5 years old.
Get a musical instrument insurance quote or buy online with Front Row Insurance
Ready to purchase or get a free quote for musical instrument insurance? Get a quote in 2 minutes through the Front Row online portal.
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