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