Music Shop Insurance
Save up to 25% on music store insurance.*
Choose your primary coverage to get started:
Music store insurance could help protect you from
The costs of injuries and accidents inside your shop
Someone slips, trips or gets hurt in your store, and you’re asked to cover their medical bills.**
Theft and vandalism costs
Your business has tags, broken windows, a broken door and inventory was stolen. You need help to cover costs for replacement and repairs — fast.
Damage costs from fire or extreme weather
A fire, hail storm or burst water pipe ruins your instrument stock, computers and POS systems, furniture, flooring, lighting and the retail space you lease or own.
Lost business income
If you need to close for repairs after a covered event, your business insurance could help cover your financial losses.
Product liability
A product that you sell causes harm to a customer’s health or damages their property, and they ask you to cover the costs and take legal action against you.
Get music shop insurance that’s fast, flexible and convenient
ERGO NEXT specializes in small business insurance. Music store insurance can help protect you, your business and your employees from the cost of unexpected events.
ERGO NEXT makes it easy to:
- Check prices, get covered and buy 100% online in about 10 minutes.
- Manage your policy 24/7 via web or mobile app.
- Pay monthly or annually and cancel anytime.
- Get unlimited certificates of insurance (COI) to share proof of insurance at no extra cost.
ERGO NEXT specializes in business insurance for music shops
Music store coverage typically includes several types of policies to help protect you, your business and your employees from different types of business risks. Your coverage may include:
General Liability insurance for music stores
Protection for damage to other people's property and injuries to non-employees
general liability can help you pay for:
Workers’ Compensation insurance
Often required to help cover the costs of employee work-related illness or injury
workers compensation can help you pay for:
Commercial Property insurance
Protect your building, inventory, equipment and other business property
commercial property can help you pay for:
Product Liability insurance
Coverage for music stores that sell instruments, audio equipment and accessories
product liability can help you pay for:
BOP Insurance (Business Owner’s Policy)
General Liability plus Commercial Property coverage in one package
business owners policy can help you pay for:
Save up to 25% in discounts on music shop insurance
Pay monthly or annually, and you can cancel at any time.
How much does music store insurance cost?
Music store insurance can be more affordable than you might think. The cost depends on several factors, including:
- The size and type of your music store.
- The value of the products you sell, such as musical instruments, audio equipment, sheet music or accessories.
- Your business location.
- Your number of employees.
- Your annual revenue.
- The coverage limits and deductible you choose.
- Your insurance claims history.
The best way to learn what you’ll pay for music store insurance is to get a free, no-obligation quote. In about 10 minutes, you can see the exact cost of customized coverage for your music retail store.
How can insurance for music stores help your business?
Music shop insurance could help to:
- Protect your store, inventory and equipment. Business insurance could help protect the retail space you own or lease from things like fire, theft or vandalism. It can also cover the contents of your store, such as musical instruments, audio equipment, accessories, shelving, POS systems and other business property.
- Handle liability claims against you. Liability insurance could help protect you if a customer is injured at your music store or if your business accidentally damages someone else’s property.
- Hire employees. Most states require workers’ comp insurance for small businesses with employees.
- Make deliveries or transport inventory. If your business uses vehicles to deliver instruments or transport inventory, commercial auto insurance could help protect your business driving.
- Deal with product liability issues. If a musical instrument, amp or other product you make or sell causes bodily injury or property damage, product liability coverage may help with your legal defense and damages.
Music shop insurance FAQ
If you don’t find answers to your frequently asked questions here, our licensed, U.S.-based insurance advisors are standing by to help.
Do music stores need product liability insurance?
If your music store makes or sells instruments, audio equipment, accessories or other products, product liability insurance could help protect you if a customer claims that a product you sold them caused an injury or property damage. Coverage depends on the products you sell and your business operations.
Does music store insurance cover musical instruments?
Yes, commercial property insurance could help protect musical instruments and other business property you own if they're damaged in your shop by an event such as a theft, fire, or a busted water pipe. The amount of protection depends on your policy, coverage limits and the value of your business property.
Do I need insurance to sell musical instruments at festivals, trade shows or community events?
Many festivals, trade shows and other events require vendors to carry general liability insurance and provide a certificate of insurance (COI) before participating. Requirements vary by organizer, so it's a good idea to check what's required before the event.
How can I get a certificate of insurance (COI)?
What do I need to get an insurance quote online?
How do you file an insurance claim with ERGO NEXT?
Coverage on-the-go for policyholders
Manage your policies, send and create certificates of insurance, or file a claim with our app.
