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:

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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


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Musical Instrument Insurance: you MAY 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 at your 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