Music Store & Instrument Dealer Insurance
Coverage for the stock on the wall, the fleet on rental, and the product you put your name on.
Retailers, distributors and instrument makers carry exposures a generic business policy was never drafted for — consignment gear, rental instruments in customers' homes, cargo in transit, and products liability that follows the instrument long after it leaves the store.
NAMM endorsed providerNAMM-endorsed business insurance
The National Association of Music Merchants selected Emery & Webb to provide business insurance to its members. NAMM membership opens doors to trade shows, professional development, discounted business services and music advocacy — and we make sure those businesses have the protection they need.
Package coverage built for music retail, placed by a team that knows the industry.
What it covers
- Stock and inventory, including peak-season and seasonal limit adjustments
- Rental and school-band fleets while off premises and in customers' care
- Consigned and customer-owned instruments in your care, custody, and control
- Products liability for instruments, amplifiers, accessories, and repairs
- Repair-bench and service operations, including work performed on customer property
- Cargo, transit, and off-site or third-party warehouse storage
- Building, tenant improvements, signage, and business income after a loss
- General liability, workers' compensation, and cyber for the retail operation
Coverage descriptions are general summaries. Actual terms, limits, and exclusions are governed by the issued policy.
Who it's for
- Independent and multi-location music retailers
- Band and orchestra dealers running rental programs
- Instrument manufacturers, luthiers, and custom builders
- Importers, distributors, and wholesale suppliers
- Repair shops, pro-audio dealers, and print/accessory retailers
Written for retail floors
Products liability included
Rentals and cargo
Frequently asked questions
Does a standard business policy cover my rental fleet and consignment instruments?
Usually not the way a music store needs it to. Rental instruments off premises and consigned gear you don't own are commonly limited or excluded on an unendorsed policy. We place inland marine and property forms that schedule rental fleets and address property of others in your care.
What is products liability and why does a dealer or maker need it?
Products liability responds when an instrument, amplifier, accessory or repair you sold or built is alleged to have caused injury or property damage. It matters for retailers and repair shops as well as manufacturers, importers and distributors, because a seller can be named in a claim over a product it did not build.
Can you cover instruments in transit or in a third-party warehouse?
Yes. Motor truck cargo, transit and warehouse/bailee coverage can be added for shipments between locations, freight moving to and from customers, and stock stored off site or with a fulfillment partner.
How should inventory be valued on the policy?
Talk to us about peak-season limits and how vintage or high-value pieces are valued. Retail stock is often written at replacement cost, but rare and collectible instruments generally need to be scheduled or agreed-value so a loss isn't settled at a depreciated figure.
Do you write repair shops and lesson programs inside a store?
Yes. Most of our retail accounts package the storefront, repair bench, rentals and on-site lessons together, so the general liability, professional exposure from instruction and property in your care are handled on one program with one point of contact.
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 for your business.