Business Owners Policy

Property, liability, and income — packaged for music businesses.

A BOP is the foundation for most retailers, studios, and schools. Music Insured shapes it around music-specific exposures other agents routinely miss.

What it covers

Building and business personal property, including inventory and fixtures
General liability for premises, products, and personal injury
Business income and extra expense after a covered loss
Inland marine for instruments and gear at other locations, on demo, or in transit
Property of others (customer instruments) in your care, custody, or control
Employee dishonesty and money & securities
Equipment breakdown for HVAC, POS, and studio infrastructure

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Who it's for

Music retailers and combo stores
Piano dealers and rebuilders
Recording studios and post-production suites
Music schools and lesson programs
Repair shops and luthiers

Multi-location friendly

One policy across storefronts, warehouses, and satellite studios.

Customer property covered

The instruments in your shop for repair or consignment are protected.

Grows with you

Automatic new-locations and inventory increases keep pace with the business.

Ready for a quote or a second opinion?

Tell us about your instruments, studio, storefront, or tour — we'll come back with a right-sized program within one business day.

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