MusicInsured
Division of Emery & Webb, Inc.
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.
Questions

Frequently asked questions

What does a business owners policy actually include?
A BOP packages commercial property, general liability, and business income into one policy. For music businesses it's usually the base program, with inland marine, cyber, and workers' compensation added around it.
Is business income coverage worth adding?
For most music businesses, yes. If a fire or water loss closes the space, business income replaces lost revenue and extra expense during the restoration period — often the largest part of the actual loss.
Does a BOP cover instruments and gear off premises?
Not fully on its own. Property forms focus on property at the described location, so gear that travels, rental fleets, and equipment at events are typically handled through inland marine coverage added to the program.
Are employees and instructors covered?
Injury to employees is handled by workers' compensation, not the BOP. Liability arising from instruction can also involve professional liability. We usually write these together so nothing falls between policies.
How is a music business BOP different from a generic one?
The difference is in classification, limits, and endorsements — property of others, rentals, consignment, high-value instruments, and instruction exposure. We place these with carriers who understand the class instead of forcing a generic retail form.

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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