NFA Flute Insurance

Anderson NFA Flute Insurance Program

 

Do you want to save even more?

Choose our 3-year guaranteed policy option! Pay 2 premiums up-front and we’ll issue a fully paid up 3-year policy; an additional savings of 33% per year!

Get a Quote

National Flute Association Insurance Program

Anderson Musical Instrument Insurance Solutions, LLC, based in Florida, is the Official Provider for the NFA Flute Insurance Program. Now in our 32nd year, Anderson is dedicated exclusively to insuring musical instruments, equipment, and accessories. Wherever you live or travel under our “All Risk, Agreed Value” coverage. Our custom crafted Anderson Musical Instruments Signature Coverage form insures members of the National Flute Association along with many musician associations in the USA and worldwide..

If you are not participating in the NFA Flute Insurance Program, and are an active member of the National Flute Association, you are all set to submit your application today to get this valuable coverage started. We make every effort to get back to you with a quote in one business day, or less!

If you are not a member of the National Flute Association, click here to join online (this will open in a new window). Once you submit your NFA membership application you can return to here and apply for NFA Flute Insurance.

While we encourage all flutists to consider membership in the National Flute Association, membership is not mandatory. Please see below for our regular flute insurance option.

Does my Homeowners Policy Cover my Flutes ?

  • Most homeowner’s policies will limit coverage for musical instruments; 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 NFA Flute Insurance Program.
  • Most homeowner’s policies won’t respond at claim time if an instrument is used in a paid performance as this is considered "business use". Flute Insurance with Anderson Group covers casual, professional and business use of your Flutes.
  • Did you know your homeowner’s policy does NOT cover flood damage? (You must purchase a separate flood policy covering personal property). Our Insurance policy covers flood damage to itemized instruments!
  • Did you know your homeowner’s policy does not cover earthquake Damage let alone earthquake damage to instruments unless you add a very expensive earthquake coverage rider?
  • Our Musical Instrument policy is designed to cover perils not normally covered under a homeowner’s policy, such as falling, cracking, etc. It is not until after the claim has occurred that a Homeowner’s 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.

    • FLUTE INSURANCE RATES—NO ASSOCIATION MEMBERSHIP

  • Our Flute Insurance rates for non-members of the NFA is $0.64/$100 USD. $175.00/year USD (minimum premium) including the annual $25.00 policy fee, covers to $23,438 for most itemized instruments.
  • Want to SAVE EVEN MORE? Choose our 3-year guaranteed policy option! Pay 2.25 annual premiums up-front, and we’ll issue a fully paid up 3-year policy; an additional savings of 25% per year!
  • Please click HERE to access our Anderson Signature Insurance Policy Program terms, rates and features.

    • Premium Rate and Minimum Premium

    • The NFA Flute Insurance Program base premium rate is $0.50/$100 USD. $160.00/year USD (minimum premium) including the annual $25.00 policy fee, covers to $27,027 for most itemized instruments (rates are higher for harps and string basses).

    • Want to SAVE EVEN MORE? Choose our 3-year guaranteed policy option! Pay 2 annual premiums up-front, and we’ll issue a fully paid up 3-year policy; an additional savings of 33% per year!

    Premium Payment Information

    Once you have received approval by underwriting, premium payment information is noted below. Coverage will become effective at 12:01A on the following day

        Payment may be made by:
        Payment by Debit Card: There is no fee to pay by debit card.
        Payment by Credit Card: A 3% fee, if paying by credit card, will be added to your payment by our processing vendor, Elavon. We do not retain any portion of this fee.
        Payment by Check: Checks drawn on USA Banks are always welcome. We encourage simply sending an image of your check by clicking here to immediately upload this check image securely and directly to our office. After the check image has successfully uploaded (AND after we confirm receipt by email), please void, or destroy the original. Do not mail this same check to our office. Should you prefer to just mail your payment, our address is AMIIS, LLC 1570 Lakeview Drive, STE 2A, Sebring, FL 33870-7959.
        Please reference your policy number or AMIS# along with the name of our insured for proper crediting to your musical instrument insurance policy.

    Coverage Highlights

  • "All Risk Agreed Value” Worldwide Coverage
  • "All Perils" Deductible - $0
  • Coverage Territory - Worldwide!
  • Diminished Value Coverage - included.
  • Appraisals - almost never required!
  • Replacement Cost Values - Please submit your instrument(s) current replacement cost valuation(s).
  • Professional Use - included.
  • Flood and earthquake coverage - included.
  • Is it possible to Insure multiple Instruments? Yes! In fact, if you have instruments valued at $100,000; $250,000 or more, we also may be able to offer additional premium discounts too.
  • Performance Interruption coverage up to the actual loss sustained for covered losses up to $600.00.
  • Air & Ground Shipping Coverage - included; $ 0 Deductible.
  • Hanover Insurance Company is the insurance carrier underwriting our program for the National Flute Association Flute Insurance Program. This program is issued in the State of Illinois. A copy of the Anderson Group Musical Instrument Insurance Coverage Form insured by Hanover Insurance Company may be viewed here.

    • Important Additional Information

    Rental Reimbursement Coverage

    Included for NFA Members insured in the National Flute Association Insurance Program. Coverage up to $225.00 per month for up to 6 months is available, subject to the timely repair of your instrument after a covered loss, AND you do not have an equivalent idle instrument available to use.

    Electronic Equipment & Software

    Electronic Equipment and Software may be added at a cost of $.65/$100 of insured value. Software includes audio, VST, VSTi plugins and synch licenses using virtual or hardware dongles. This charge is in addition to the total premium for your musical instrument schedule and accessories.

    Theft from Unlocked Vehicle Exclusion

    If your instrument(s) are left in an unattended vehicle, that vehicle must be kept locked at all times. Coverage is provided for theft, pilferage, burglary or robbery only if evidenced by visible signs of forced entry on the exterior of the vehicle, glass or vehicle lock(s).

    Need more information?

    Click here to request a no-obligation quote!

    Chat with us Online

    Click on the icon in the bottom right hand
    corner of the page, or call us 1.781.834.1700

    Already a customer?

    Click here for service
    That's not all ...

    Our Insurance Products

    Make a PaymentGet a Quote!