Musical Equipment Insurance

Insurance for musical instruments and equipment is an essential part of protecting your investment.

So if you’re a seasoned professional playing in venues all over the world, an instructor in need of music teacher insurance, or a student transporting your musical instrument to school, we can help.

What we insure

From DJ equipment to grand pianos, electric guitars or your child's first violin, we can help you find the right level of cover to protect your musical instruments and equipment.

Underwritten by Lloyd's of London, our equipment and musical instrument insurance policies can offer you coverage for the following:

  • Classical instruments - e.g. piano, violin, cello, flute, clarinet, saxophone
  • Band equipment - e.g. guitar, drums, keyboards, bass, guitar
  • DJ equipment
  • Electronic equipment including PA systems, microphones, laptops, leads and cables
  • Choir or orchestral equipment
  • Personal collections

Who we insure

Our goal is to deliver a wide range of comprehensive insurance solutions that safeguard your beloved musical instruments and equipment against damage or theft. Our options are designed to cater to the needs of all individuals involved in the music industry, from amateur to professional musicians.

We extend our coverage to the following:

  • Musicians
  • Retailers
  • Music Teachers
  • Orchestras
  • Studio Producers
  • Instrument Repairers
  • DJs
  • Musical Societies
  • Young Musicians & Students
  • Bands
  • Buskers

What we cover

Cover is specifically designed to protect your equipment against damage and theft whilst in use, storage, or in transit. Below is a summary of the instrument and music studio insurance coverage we offer:

What we Cover Classical Instruments (Aus/NZ) Other Instruments (Aus/NZ) Studio Only
Fire, burglary, storm damage, earthquake Yes Yes Yes
Theft from location Yes Yes N/A
Theft from locked vehicles following forced entry Yes Yes N/A
Accidental loss & damage to equipment Yes Yes Yes
Transit loss & damage Yes Yes N/A
Worldwide Coverage* Optional Optional No
New for Old replacement regardless of age of equipment (limited to sum insured) Yes Yes Yes
Emergency hire of equipment (Up to 30% of the sum insured) Yes Yes Yes
Cover for hired or loaned equipment (up to $2,000) Yes Yes Yes
New equipment automatically covered (up to 10% of the total sum insured) Yes Yes Yes
No claim discounts applied to premiums Yes Yes Yes

Note: The above is only a brief summary of the cover and you are advised to read the Policy Document closely for full details. Cover will not attach until the application is accepted and premium paid.

* Worldwide coverage excludes all countries on the “Do Not Travel” and “Reconsider Your Need to Travel” lists as detailed by the Australian Government Department of Foreign Affairs and Travel website: http://www.smartraveller.gov.au/

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Coverforce Insurance Brokers Pty Ltd

Phone: 1800 986 445
Email: music@coverforce.com.au

Postal Address:
Level 5 / 11 Eastern Road
South Melbourne, VIC, 3205

Copyright © 2023 Coverforce Partners Pty Ltd. All rights reserved.