Anderson Signature Musical Instrument Insurance Program


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Anderson Signature Musical Instrument Insurance Program

Anderson Musical Instrument Insurance Solutions, LLC , a USA company based in Florida, insures a number of major symphony orchestras throughout the United States along with musician associations, collectors and musicians WORLDWIDE. Now in our 31st year, Anderson is dedicated exclusively to insuring musical instruments, equipment and accessories wherever you live or travel under our “All Risk, Agreed Value” custom crafted Anderson Musical Instruments Signature Coverage form with a deductible as low as $100 USD should you experience a covered claim.

We insure all types of musical instruments (violins, violas, cellos, string bass, guitars, mandolins, harps, brass, woodwinds, pianos and percussion instruments and everything in between). If you can play it and it makes a sound, we can most likely insure it! Insuring Musical Instruments is not only our passion; it is all we do! And if we do say ourselves, over the last 3 decades, we have done this very well and pledge to continue over this next decade. But don't take just our word for it, please read on, click deeper and see how we can "rock" your world offering compelling coverage and prices. Please check us out too on whatever musician pages you follow on the web and see what our raving fans are saying about Anderson.

Our Rates and Minimum Premiums

  • Our base premium rate is $.575/$100 USD . $165/year USD minimum premium including the annual $25 USD policy fee, covers up to $24,000 USD for many instruments and accessories (see below for more information.)
  • Members of participating musician associations for Harp, String Bass, Violin, Viola and Woodwind associations enjoy significant savings and additional coverages for active members in good standing. Please look for "Our Products" next to our logo at the top of this page and press on the instrument of your choice for more details.
  • Minimum Premium for Pianos including policy fee is $165.00 USD year and covers up to $40,000 of itemized pianos however this coverage is available only at your designated location.
  • Minimum Premium for Pedal Harps including policy fee is $165.00 or $215.00/ USD year and covers up to $21,111 to $24,455 USD of itemized pedal harps.
  • Minimum Premium for Lever Harps including policy fee is $125.00 or $175.00/ USD year and covers up to $17,647 USD of itemized lever harps.
  • Minimum Premium for String Basses including policy fee for is $250.00/USD year and covers $22,500 to $30,000 USD of itemized string basses.

Preferred Rate High Value Program

Based on your fully completed application, you may qualify for a preferred rate if your musical instrument schedule exceeds $50,000. If you qualify, rates may be reduced by 10% to 68% based on your total insurance schedule value, protection for your instruments, your background, experience, the environment in which your instruments are stored and the extent your instrument leaves your insured address.

Coverage Highlights and "The Fine Print"

  • “All Risk, Agreed Value” Coverage is provided worldwide at no additional cost.
  • Diminished value coverage included at no additional cost.
  • Appraisals may be requested for string instruments and some vintage instruments typically valued at greater than $15,000 USD. In all cases, we will let you know if an appraisal(s) is required. Copies of appraisals are always 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).
  • We even cover shipping if your instruments are packed and protected in an appropriate shipping or flight case. (An airbag or suspension case is necessary for cellos and string basses shipped by a common/contract fee based carrier). Common/ Contract Fee based carrier shipments are generally always subject to a minimum deductible of $350 USD (for most instruments – $500 shipping deductible for Cello and String Basses).
  • Rental Reimbursement provides $100 per month for 6 months after a covered claim unless you have an equivalent idle instrument available insured on your schedule. $225 per month is available for just $25/year USD.
  • Electronic equipment may be added at a cost of $.65/$100 of insured value.
  • Software coverage, including audio, VST, VSTi plugins and synch licenses using virtual or hardware dongles is available!
  • Musical Scores coverage, uniquely crafted by us, is available.
  • Dampness, Dryness or Extremes of Temperature Exclusion is included for String Basses and Cellos unless a waiver is offered by underwriting.
  • Deductible, for perils other than shipping for most instruments is $100.00 USD.
  • Deductible for Common Carrier and Contract Carrier shipments is $250.00 USD.
  • (We do not provide any shipping insurance for pianos.)
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