Front Row provides fast, affordable musical instrument insurance for music professionals who are Canadian resident members of ACTRA RACS (Recording Artists’ Collecting Society).

Getting a quote takes ~10 seconds and is free:

Covers: Theft, Breakage, and Fire

Sample Premiums:

  • $5,000 of Gear: $50 premium plus $35 fee
  • $10,000 of Gear: $100 premium plus $35 fee
  • $20,000 of Gear: $200 premium plus $35 fee (fees subject to change)

What makes Front Row's musical instrument insurance program the industry best?

  Front Row Other Programs
No Minimum Premium Included  
Worldwide Equipment Coverage Territory Included X
Automatic $10,000 Office Contents Coverage, including Valuable Papers & Accounts Receivable Included Extra charge!
$10,000. Up to 30-days: Borrowed Instruments/Equipment Included X
Automatic Inflation Guard on Instrument values Included  
$10,000 up to 30-days: newly acquired Instruments/equipment Included X
General Liability available on a stand-alone basis? Included  
Full Coverage for Earthquake & Flood Included  
Automatic Business Income / Extra Expense Coverage Included  

Many music professionals rely on Front Row for their coverage. How do we offer such low rates for our coverage? We use the strength of numbers in the ACTRA RACS membership to keep our premiums low.

When you need to talk to someone directly, we also offer excellent customer service through our knowledgeable and licensed customer service representatives. We can offer liability coverage for your tour.

Do you have an ACTRA RACS insurance claim to file?

Claims for ACTRA RACS should be directed to Front Row during normal business hours, but in case of an emergency can be reported directly to Travelers by calling their claims line at 1-800-661-5522 or

FREE eBook: Musical Instrument Insurance 101

Not A Member of RACS?

Click the image below to visit their site.actra-racs-logo

Contact Front Row

Ontario or Maritimes, contact:

Toronto Office
Ph: 416 642 5200

BC, Alberta, Saskatchewan, Manitoba, Nunavut, NWT and Yukon, 

Vancouver Office
Ph: 604 684 3411