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Musical instrument and equipment insurance

Comprehensive musical instrument and equipment cover designed to help protect against damage and theft.

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1300 655 931

What does musical instrument and equipment insurance cover?

selected option

A tailored policy

This policy is designed to cover equipment being used for commercial purposes including paid or unpaid work and/or performances, tuition, practice, rehearsals and more. If you’re a student, semi-professional or professional, equipment insurance my be suitable for you.

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Accidental loss, damage and theft

Even best laid plans can unravel. Should loss or damage occur to your equipment by accident – including theft – you can be covered under this policy.

Emergency hire costs

Up to 25% of your sum insured can be used for emergency hire costs after a claim, or a maximum of 30 days hire, whichever is the lesser. Equipment that you buy, hire or borrow during the Policy Period is automatically covered. This is limited to 10% of the total insured limit.

Low standard excess

Low standard excess of $250 per claim.

Extends to laptops, tablets and mobile phones

Cover can extend to laptops, tablets and mobile phones as long as they represent less than 30% of the total sum insured. If this is not the case, please contact us to discuss alternative options. 

Worldwide cover

This policy includes worldwide cover (excluding Russia, Belarus and Ukraine) to help protect against loss, damage or theft to your gear whilst in storage, use or in transit.

General exclusions

These are some of examples of the general exclusions that are typically not covered by your insurance policy: general wear and tear, depreciation, mould, unexplained malfunction. Talk to a broker to arrange additional cover and read your policy carefully.

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More than $30,000 total sum insured

If you need more than $30,000 cover, we can still help to arrange insurance for you.
Call us on 1300 655 931.

Personal use

Musical instrument insurance and equipment insurance is not designed to cover equipment being used solely for personal use.

Public liability

Public liability insurance helps protect you against claims made by a third party – like a client or venue. It can help cover the costs of injury and property damage (including legal fees). Learn more about public liability 

Hazardous activities

This policy will not cover loss or payments arising out of any hazardous activities undertaken by you, the insured, without the insurer’s prior written consent.

Apply for 12-Month Musical Instrument and Equipment Cover

$220

Up to $5,000 total sum insured

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$325

Up to $10,000 total sum insured

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$430

Up to $15,000 total sum insured

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$530

Up to $20,000 total sum insured

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$605

Up to $25,000 total sum insured

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$685

Up to $30,000 total sum insured

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Why is it important to have equipment insurance?

Just as you invest time and effort into perfecting your musical or creative abilities, it's equally important to protect your valuable instruments and gear with insurance coverage that is customised to suit your specific needs.

It can happen at any time, to anyone – as you load your kit into your vehicle after practice, something slips and your amp lands on the footpath with a crunch. 

Without equipment insurance, the financial burden of replacing or repairing this essential gear could jeopardise your ability to perform and earn a living.

Why choose musical instrument and equipment insurance with Marsh

Find out why we’re trusted by students, teachers, semi-professionals and professionals to help insure their most prized possessions.

Trusted by 130 Associations

We are proud to be the Principal Risk Partner of APRA AMCOS who choose us to develop insurance solutions that help meet the risk and insurance needs of businesses across a variety of industries.

By performers, for performers

We take a personalised approach to our service and our products, informed by our firsthand experience in the entertainment industry.

Claims support

Handling an insurance claim can quickly become overwhelming, not least when your time is stretched to the limit keeping your business going or studying at school. We help take the load off, manage and negotiate claims with insurers on your behalf.

Frequently asked questions

Typically, the people requiring this type of cover are students using the equipment to improve their craft, semi-professional and professional individuals or companies and organisations using the equipment for paid or unpaid work and/or performance, tuition, practice, rehearsals or recording.

The policy Marsh arranges may cover your equipment anywhere in the world* for accidental damage and theft. Our online solution can provide cover for up to $30,000 worth of equipment. If you require higher amounts you can call us and we can provide a tailored quotation.

The policy will also provide up to 25% of the replacement cost of the damaged or lost equipment, so you can cover the costs of hiring equipment in case you needed it urgently whilst your claim is being processed.

The policy will also automatically cover you for equipment you may hire or borrow. This is limited to 10% of the total insured limit.

* excluding Russia, Belarus and Ukraine.

If an incident occurs, contact the Marsh entertainment team as soon as you can. We want you to get the best possible outcome, so we will advocate for you throughout the entire claims process. 

Claims can be stressful, but – as the world’s largest insurance broker – we strive to make the process straightforward.

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Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238369) (“Marsh”) arranges the general insurance (i.e. not the Discretionary Trust Arrangement) and is not the insurer. This page contains general information and does not take into account your individual objectives, financial situation or needs. For full details of the terms, conditions and limitations of the covers, refer to the specific policy wordings and/or Product Disclosure Statements available from Marsh on request. Marsh makes no representation or warranty concerning the application of policy wordings or the financial condition or solvency of insurers or re-insurers. Marsh makes no assurances regarding the availability, cost, or terms of insurance coverage. Any statements concerning actuarial, tax, accounting, or legal matters are based solely on our experience as insurance brokers and risk consultants and are not to be relied upon as actuarial, accounting, tax, or legal advice, for which you should consult your own professional advisors. The Discretionary Trust Arrangement is issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417964) (“JGS”). Any advice or dealing in relation to the Discretionary Trust Arrangement is provided by JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226 827) (“JLT”). JGS and JLT are businesses of Marsh McLennan. The cover provided by the Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions.

LCPA 24/430