Anderson Double Reed Signature Insurance Program


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Anderson Musical Instruments Double Reed Signature Insurance Program

Anderson Musical Instrument Insurance Solutions, LLC insures a number of major symphony orchestras throughout the United States along with a large number of musician associations, collectors and musicians throughout the world. We offer musical instrument insurance for amateurs, professionals, semi-professionals, enthusiasts, students and hobbyists looking for "Coverage in Harmony With Your Needs"

Anderson Musical Instrument Insurance Solutions, LLC, located in Florida is your solution for insuring musical instruments almost anywhere in the world since 1991! Anderson Group is devoted exclusively to insuring musical instruments and accessories worldwide. We don't insure just double reed instruments but all types of instruments including violins, violas, cellos, basses, acoustic and electric guitars, mandolins, harps, brass, woodwinds, pianos, percussion instruments and everything in between. If you can play it, we can most likely insure it!

Double Reed Signature Coverage Highlights

  • Our base premium rate of $.45/$100 USD covers all double reed instruments and most other instruments. (String Bass and Harps have higher rates.)
  • $150.00 USD minimum premium including the annual $25 USD policy fee, covers up to $27,778 USD for most instruments and accessories.
  • Deductible, is always -0- for all double reed instruments.
  • “All Risk, Agreed Value” Coverage is provided worldwide at no additional cost.
  • Diminished value coverage included at no additional cost.
  • Appraisals - we will let you know if an appraisal(s) is required, however appraisals are typically only by exception. Copies of appraisals are howeveralways welcome and encouraged and will be attached to your file for safekeeping.
  • Professional use is included at no additional cost.
  • Flood and earthquake coverage is included at no additional cost.
  • Performance Interruption coverage up to the actual loss sustained for covered losses up to $600 is included at no additional cost (higher limits available).
  • Rental Reimbursement Insurance up to $225.00 USD per month of the reasonable and customary rental rates, for up to 12 months to provide monies to rent a replacement instrument subject to timely repair of a covered loss on a damaged instrument, provided that you do not have an equivalent idle instrument and is offered at no additional cost.
  • Electronic equipment may be added at a cost of $.65/$100 of insured value.

    Homeowners Insurance is NOT the solution!

  • Most homeowner’s policies will limit coverage for musical instruments; generally up to a maximum limit of $2,000 especially if you receive any "pay for play". If you have an instrument valued more than this amount, you should really consider the Anderson Signature Double Reed Insurance Program.
  • Most homeowner’s policies don’t respond at claim time if an instrument is used being used in a paid performance. That is considered "business use". If a loss happens while being paid for a performance, your homeowner’s policy may not pay.  Double Reed Insurance with Anderson Group covers casual, professional and business use of your Double Reed instruments.
  • Did you realize your homeowner’s policy does NOT cover flood damage? Unless you have a separate flood policy covering personal property, there is no coverage for your musical instruments. Our Insurance policy covers flood damage to itemized instruments!

  • Did you know your homeowner’s policy does NOT typically cover earthquake Damage let alone earthquake damage to instruments?
  • Our Musical Instrument policy is designed to cover perils not normally covered on a homeowner’s policy, such as falling, cracking, etc. It is not until after the claim has occurred that a Homeowners claim adjuster will look at the requested insured value for an instrument. A homeowner’s policy will not pay for breakage due to bumping, falling, dropping, etc.!  There are no listed perils like these listed on a homeowners policy!  (A complete copy of the Anderson Group Musical Instruments Coverage From may be seen by clicking here).
  • Our Double Reed Signature Insurance policy provides a -0- deductible, whereas your homeowner’s policy may have a deductible upwards of $1000 or more!
  • Our Double Reed Signature Insurance policy provides Agreed Value coverage for your itemized instruments, while your homeowner’s policy may only provide Actual Cash Value (Replacement Cost minus Depreciation).  Typically, double reed instruments along with many musical instruments in top condition may have little to no depreciation, so this is a very big question to ask your agent!  You wouldn’t want to find yourself in a predicament!
  • Does the total value of your musical instrument insurance coverage on your homeowner’s policy get deducted from the Personal Property (Coverage C) portion of your policy? If so, please remember that coverage is there to replace your personal property from linens to appliances! Adding musical instruments under that coverage may take away much needed coverage.
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