Musicians Insurance

HWS Specialty offer all-risk musical instrument insurance for musicians. Whether you are a musician or collector, we provide bespoke policies to protect valuable instruments against loss or damage, whether at home or while travelling.

Insurance Cover for Musicians

• Fire, theft, flood, loss, accidental damage, and loss of value following accidents
• Coverage while on tour, at school, or college
• Climatic coverage (available on request)
• Hire charges for up to 25% of the instrument's value, or GBP 5,000 maximum (or currency equivalent)
• Hired instruments up to GBP 20,000 (or currency equivalent) for up to 60 days
• Losses from unattended vehicles whilst on a rest stop up to GBP 500,000 (or currency equivalent)
• Earthquake coverage outside the UK and subject to certain country restrictions
• No premium loading for use by under 16s
• Short-term coverage for up to one month, up to GBP 25,000 (or currency equivalent). Prior notification would be required to allow you to try instruments with a view to buy
• Costs for transporting instruments for secure storage, up to 20% of the total sum insured
• Special premiums for retired musicians
• Custom policies for collectors
• Cover is also available for loss and accidental damage by customs or other government officials (available to buyback).

Types of Musician Clients

• Individual musicians
• Collectors