Insurance for Musical Instruments

You’re passionate about music. Your enthusiasm may have led you to become a pianist, the lead guitarist in a band or a violin teacher. If you’re like most avid musicians you treasure your musical instruments. Should your favorite violin become lost or damaged, where it’s insured becomes of utmost importance.

You could call up your homeowner, condominium or renter’s insurance agent and ask them to put a rider on your policy for your instruments. That’ll give you minimal coverage. If you want maximum protection, call HTB. Over 5,000 musicians across the U.S. entrust us with their musical instruments.

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Think your instrument is adequately covered under your homeowners policy? Think again.

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If you give music lessons at students’ homes or work as an independent contractor for someone else, you may be required to carry liability insurance. Our Independent Instructor of the Arts coverage offered through our partner, K&K Insurance, provides General Liability and Professional Liability combined in one policy. Liability limits from $500,000 to $5 million are available.

The policy covers claims alleging bodily injury to others, damage to the property of others, and wrongful acts (negligent act, error, omission, or breach of duty) that occur as result of your instructional activities.

To learn more visit the K&K Insurance website. Policy rates may be found on the application.

Musical Instrument Owners