Musical Instrument Insurance Broker in Canada offers online quotes

Posted by David Hamilton on Mar 11, 2014 8:43:00 AM

Front Row offers musical instrument insurance to Canada’s music professionals. The costs to insure $10,000 worth of instruments is $125 for a year.

Insuring your musical gear with Front Row is fast. Obtain a quote in 30 seconds by clicking here: 

Free Online Quote

Download a policy in six minutes. Feel secure knowing that your instruments and equipment are protected around the world in the event of theft, breakage, flood and more.

What makes the Front Row on line insurance for musicians the industry best?

  Front Row      Other Programs
 No Minimum Premium  Yes  No
 Worldwide Equipment Coverage Territory  Yes  Sometimes
Automatic $10,000 Office Contents Coverage, including Valuable Papers & Accounts Receivable  Yes  Extra Charge
$10,000 of coverage for Borrowed Instruments/Equipment for up to 30-days  Yes   No
Automatic Inflation Guard on Instrument Values  Yes   No
$10,000 of coverage for newly acquired Instruments/equipment for up to 30-days  Yes   Sometimes
Commercial General Liability is available on a stand-alone basis  Yes   No
Full Coverage for Earthquake & Flood   Yes   No

Click now for a free on line quote:   Free Online Quote

Or call 604 684 3411.

Topics: musical instrument insurance, Musical Instrument Insurance Broker Canada, Musical Instrument Insurance Canada, on line musical instrument insurance, professional musical instrument insurance, Insuring Musical Gear, Cheap musical instrument insurance

Protecting Musical Instruments at Home: Insurance and More

Posted by David Hamilton on Mar 10, 2014 3:33:00 PM

In addition to purchasing professional musical instrument insurance, you can protect your precious instruments by doing the following:

-Create a safe room in your home. This can be as simple as putting a deadbolt lock on a closet where you store your gear.

-Purchase, high quality travel cases that protect against impact and moisture. Buy a cable lock and cable your cases together in the safe room.

-Install an alarm and deadbolt locks on your exterior doors. Use extra long screws for the lock.

1145631 28590364[1]-Purchase low cost security film and apply it to your windows and exterior French doors. This will slow down entry for a smash and grab thief. 

-Never leave musical instruments visible in an unattended vehicle. Always place instruments in the trunk and lock the vehicle.

-If you are selling a musical instrument through craigslist or some other private forum always check that the method of payment is legitimate. Meet in a public area. 

-Use a broker that specializes in the music industry such as our firm: Front Row Insurance Brokers. 

We offer instrument insurance for as low as $75 for $5,000 worth of gear with worldwide coverage and free office contents coverage. Click here for more details

Topics: Instrument Insurance Canada, musical instrument insurance, Protecting Musical Instruments at Home, professional musical instrument insurance, instrument insurance for as low as $75

6 ways to Protect Your Instruments at Airports and on Planes

Posted by David Hamilton on Mar 4, 2014 9:06:00 AM

Insuring your instruments is one way to protect your instruments and gear when flying: what follows are some risk management ideas.

If possible, keep the musical instrument with you as hand luggage when flying. This will prevent damage by airport baggage handlers. The cabin temperature is also more stable than the hold. Some delicate instruments can be damaged by fluctuating hold temperatures.

Arrive at the airport early so that the musical instrument can be searched and then properly re-packed.

AirportUse proper traveling cases such as a hard bodied, foam lined, locking Pelican case or other brands designed for the road. Let your insurance broker know the type of traveling case so that they can advise the insurance company and secure the lowest premium due to the lowered risk.

Inspect your musical instrument carefully after pulling it from the airport baggage carousel. If damaged be sure to report it right away to the airline while you are still at the airport and get a copy of the damage report. This will be helpful in the event that you need to make an insurance claim as it will have all the details needed to set up a claim.

Lastly keep watch on your musical instrument while in the airport terminal. Consider using a Velcro strap to attach it to your trolley to prevent a snatch and grab.


Insure your gear with a specialized music insurance broker: Front Row Insurance Brokers

Topics: Instrument Insurance Canada, Music Insurance Broker, Insuring Instruments for Travel, Insuring Instruments on Planes, guitar travel case

Instrument Insurance - What is my gear worth in an claim?

Posted by David Hamilton on Dec 30, 2013 3:35:00 PM

I have insurance for my musical instruments and gear. How will these items be valued if I have a claim?

Below is a breakdown of how  Instruments & Equipment valued under the Front Row Music Instrument program:

Replacement Cost, except if agreed value is requested.  If agreed value is requested, a current appraisal less than 5 years old must be provided.  To maintain agreed value an updated appraisal must be provided every 5 years.

  • Replacement Value - this is the cost to replace the property/equipment with the same or other similar property of comparable material and quality used for the same purpose without deduction for depreciation.

If your instrument is 5 year or older and you do not have an appraisal your instruments will be valued at actual cash value.  Actual Cash Value is the amount equal to the replacement cost minus depreciation of a damaged or stolen property at the time of the loss.  This means that in the event of the loss your settlement will be based on the smallest of the following amounts:

  • The actual cash value of the lost or damaged property at the time of loss.
  • The amount it would cost to repair or replace the property with similar kind or quality.
  • The limit of coverage that applies to the property.

Topics: instrument insurance, musical instrument insurance, Stolen Musical Instruments, Musical Instrument insurance companies, musical instrument insurance program

Musical Instrument Insurance Companies: How to Compare

Posted by David Hamilton on Nov 20, 2013 12:43:00 PM

Musical instrument insurance is available from many companies but only a few provide the coverage that professionals require.

Questions to ask when comparing musical instrument insurance company policies:

  1. Is there a minimum premium? Some companies will charge you a minimum of $500 even if you are only insuring $2,000 worth of instruments.
  2. Is Worldwide Equipment Coverage provided? Most policies from North American Insurance Companies only cover your musical gear in Canada and the USA
  3. Is office contents Coverage included? If you run your music business from home, your computer, printer, ect may not be covered by your tenants policy.
  4. Are Valuable Papers & Accounts Receivable coverage included? A professional musician should have these coverages so that your records can be recreated.
  5. Is coverage for borrowed Musical Instruments and Musical Equipment included? If this coverage is not in your current policy, it is easily obtained.
  6. Is automatic inflation protection included for  musical instruments?
  7. Is  coverage for newly acquired musical instruments and musical equipment included  for up to 30-days before you tell your broker?
  8. Is full coverage for Earthquake and Flood included? Your homeowners policy will not cover your professional gear for flood damage and may not include EQ either.
  9. Is lost Business Income / Extra Expense Coverage included? This is good protection for a professional musician.
All of the above is covered when you purchase musical instrument coverage from  the Front Row Insurance Brokers online musical instrument insurance program. A quote takes 20 seconds. A policy can be downloaded in 5 minutes by answering 8 questions.
Covers: Theft, Breakage, and Fire
Front Row is a specialized Entertainment Insurance Broker that has offices in Montreal, Toronto, Vancouver and Los Angeles.

The Front Row online musical instrument insurance program has been endorsed by:

  • SOCAN (the Society of Composers, Authors and Music Publishers of Canada)
  • RACS (the Recording Artists’ Collecting Society)
  • CCMA (the Canadian Country Music Association)

Topics: musical instrument insurance quotes, musical instrument insurance, musical instrument insurance, Musical Instrument insurance companies, musical instrument coverage, musical instrument insurance program, musical instrument insurance company

Instrument Insurance: What Every Musician Should Know

Posted by David Hamilton on Nov 19, 2013 1:13:00 PM

Insurance for musical instruments is important for any professional musician.

Check out this great article from Rock Revolt Magazine on the undeniable benefits of insuring your musical instruments:

Covers: Theft, Breakage, and Fire

Front Row offers similar insurance protection for Canadian musicians. Quotes in 30 seconds. Policies in 5 minutes 24/7. No need to talk to a broker. Quotes are free and there is no obligation.

Topics: instrument insurance, Instrument Insurance Canada, musicians insurance, Professional Musician, Professional Musician Insurance, Professional Musician Instrument Insurance, Musician Insurance

Front Row Instrument Policy Launches On Line

Posted by David Hamilton on Sep 27, 2013 1:51:00 PM

Musicians receive quotes in 30 seconds and policies in 5 minutes any time of day.

Vancouver, Canada - - September 27, 1013 -- Front Row is pleased to announce a new way for musicians to insure their instruments.

Effective immediately members of Socan, RACS and and the CCMA will be able to obtain a quote and a policy for their instruments 24 hours a day  - 7 days a week by accessing a quote portal created by Front Row especially for musicians.  The quote tool has a clean look that is intuitive and simple to use. Worldwide insurance coverage for instruments and gear can be obtained by answering as few as 8 questions on line - no need to talk to a broker. The musician will receive a pdf policy immediately once they pay with a credit card.

There is no minimum premium. To insure $5,000 worth of instruments, the cost is $75. $10,000 costs $125. Fire, theft, breakage are all covered. The site can be accessed here:

musician 203479 resized 600

The website is formatted for: ipads, iphones and other mobile devices.

"Our volume with the insurance companies gives us a competitive edge when negotiating coverage, premiums and claims settlements for our musical clients," says David Hamilton, President of Front Row based in Vancouver. " We created this tool based on feedback from musicians that wanted to insure their instruments fast, with a minimum of hassle, at a time of day that suited them. We leveraged the 100,000 plus membership so that the program offers the lowest cost insurance for instruments in North America that we are aware of."

Front Row is an independent broker that works on behalf of musicians to transfer the risks of owning musical gear to insurance companies for a premium charge. Should a claim occur, Front Row ensures that the musician receives the money that they are owed per the insurance policy.

Front Row has offices in Montreal, Toronto and Vancouver.

For further information contact:


David W. Hamilton


602-1788 W Broadway

Vancouver BC

V6J 1Y1

direct P - 604 684 3456

Fax: 604 6843437


Topics: instrument insurance, music equipment insurance, Instrument Insurance Canada, Recording Artists Collecting Society Insurance, RACS Members insurance, musical instrument insurance quotes, musicians insurance, musical instrument insurance, Socan instrument insurance, Socan members insurance, SOCAN members, SOCAN insurance, SOCAN insurance, Socan instrument insurance, SOCAN benefits, musical instrument insurance, Musical Gear insurance

Stolen Musical Instruments: How to Make a Claim

Posted by David Hamilton on Sep 17, 2013 6:07:00 PM

Who should you call first if I have a loss?

Depending on the nature of the incident , or accident, call the authorities needed to assist you in an emergency: the police, the fire department, ambulance or hazardous materials team etc...

Then, call your insurance broker.

Covers: Theft, Breakage, and Fire

Your insurance broker works for you and will present the details of your theft to the insurance company and then they will act as your advocate to ensure that you get paid in full  by the insurance company  as soon as possible.

An independent insurance broker works for you – not the insurance company.

If you are a Front Row client, please contact one of our offices in Montreal, Toronto, Vancouver or Los Angeles during business hours.

You should be prepared to provide the following information:

  • Date and time of Loss,
  • What happened,
  • Where did it happen,
  • Names and phone numbers of persons to be contacted.

Most coverage’s have deductibles which are applied to each claim.

Is it possible to take immediate action to make repairs if further damage to the property is likely?

As long as the claim is covered, the reasonable cost of temporary repairs made to prevent further damage is money well-spent and, therefore, reimbursable, subject to all policy terms and conditions. Documentation in the form of bills, receipts and photographs should be retained in order to verify damages and repair costs.

If you don’t have insurance, it can be purchased on line 24 hours a day 7  days a week. $5,000 of gear costs $75 and  covers you worldwide

Topics: instrument insurance, instruments insured under homeowners, Instrument Insurance Canada, musical instrument insurance quotes, musicians insurance, musical instrument insurance, musical instrument insurance, Musical Gear insurance, Insurance and Protection While on Tour, Stolen Musical Instruments, Instrument Insurance Vancouver Instrument Insuranc

Musical Gear : Insurance and Protection While on Tour

Posted by David Hamilton on Sep 13, 2013 7:46:00 PM

I’m going to give you some tips to protect your instruments and gear when you are on tour. I will also tell you how to insure your gear.

If you are on the road in a van with a trailer or a bus  you have to expect that thieves will assume you have gear worth stealing. Some thieves specifically target touring musicians during load in and load out at particular venues.

Know that your valuable gear is being targeted and take pro active steps to protect it.  Here are some other ideas to keep it  safe:

  1. Tint or paint your windows. Buy blinds. Prevent people from seeing what is inside your vehicle.
  2. Install an alarm.
  3. Sounds simple, but develop a protocol to make sure your vehicle is locked at all times.
  4. Park your vehicle back against a wall whenever possible so it’s harder to get in the back doors.
  5. Park in the underground garage of your hotel rather than the surface lot.
  6. Leave your vehicle at a tow truck yard: they are manned 24 hours a day , 7 days a week. The cost is usually reasonable for the protection provided.
  7. Consider chaining all your gear together in your van so that if the thief does a smash and grab they will not be able to get away quickly.
  8. Finally, make sure your gear is insured.
    Covers: Theft, Breakage, and Fire

    Insure your gear with an insurance broker that specializes in instrument insurance for professionals such as Front Row Insurance Brokers. Most homeowners policies will not insure instruments and gear used professionally so source a policy for professionals.

    Front Row offers instrument insurance 24/7 on line for as little as $20. Get a quote in 30 seconds by clicking the link on screen.

    Topics: instrument insurance, instruments insured under homeowners, music equipment insurance, Instrument Insurance Canada, musical instrument insurance quotes, musicians insurance, musical instrument insurance, Socan instrument insurance, SOCAN members, musical instrument insurance, Musical Gear insurance, Insurance and Protection While on Tour

    Musical Instrument Insurance: you not be covered under a homeowners policy if you have played professionally for money

    Posted by David Hamilton on Jul 15, 2013 7:08:00 PM


    Instrument insurance

    You arrive back atyour van to find the window smashed and your instruments missing. Your take out your phone and call your insurance broker to report the claim under the homeowners policy that you purchased. An adjuster is assigned. The claims adjuster does a  web search and sees  that you have played some small gigs. Because you occasionally perform for money, your gear is now considered “commercial” equipment and as such, not covered by your homeowner’s insurance policy which is intended to cover “personal” musical gear that is not used for commercial purposes. You tell the adjuster that you only played twice in the last 12 months and made less than $300 for the performances. The adjuster shrugs, “It doesn’t matter, even if you busk 10 minutes for $10, you are a professional and your gear is  considered commercial and is no longer covered under a homeowners policy”.

    This is a difficult, pricey lesson that is better learned before there is a loss. Our experience tells us that many professional musicians assume they are covered by their homeowners insurance policy when in fact they are not.

    If you perform for money, check your policy and make sure your coverage is appropriate. At Front Row we have created an 5 minute on line insurance solution.

    Available to Socan members at:

    The policy term is for 12 months and coverage is provided throughout Canada and the USA.

    All equipment is covered for replacement cost for:  theft, damage, fire and loss of use. The online link ensures industry-low prices:

    • $10,000 equipment coverage: $100
    • $1,000,000 location liability coverage: $75; $2,000,000: $100. Liability covers property damage and bodily injury to third parties. Pays legal fees too.
    • $500 deductible for gear

    Currently Socan Members  receive $10 off online instrument insurance plus $10 will be donated to the Socan Foundation for each time the code is used.  Use code: $10discount&donation at:

    “We wanted to make the insurance process easier, faster and cheaper for musicians,” said David Hamilton, President of Front Row “Given that there is no need to speak to a broker and an insurance company underwriter is not involved, the cost to process an instrument insurance policy is much less online and we have passed the savings onto the musician. Although the instrument policy is online, we are still available to answer questions by email or over the phone if required.


    Topics: Instrument Insurance Canada, musical instrument insurance, instrument insurance, instruments insured under homeowners, musical instrument insurance quotes, musicians insurance, music equipment insurance, front row insurance instrument insurance, Recording Artists Collecting Society Insurance, RACS Members insurance