Anderson Instrument Makers, Repairers and Music Store Insurance Program
Anderson Instrument Makers, Dealers, Repairers & Luthiers Coverage Program
🛠️ Purpose-Built Protection for Makers, Dealers & Luthiers
Finally—coverage that speaks your language. Whether you’re crafting violins, restoring vintage cellos, or running a full-service repair shop, Anderson’s policy is designed to meet the unique needs of musical instrument makers, dealers, and luthiers.
Since 1991, Anderson Musical Instrument Insurance Solutions, LLC has focused exclusively on insuring musical instruments, equipment, and accessories. Endorsed by leading musician associations, we deliver exceptional service, comprehensive protection, and competitive rates—backed by our custom-crafted “All Risk, Stated Value” coverage form.
Now introducing: a one-of-a-kind insurance policy for luthiers, dealers, and repairers—written by Anderson and approved by our trusted carrier, Hanover Insurance Company. If you’re seeking robust coverage at a compelling price, you’ve found your solution.
Our policy is built around the coverage limits you choose. Simply submit a quote request, and we’ll respond within two business days with a single-rate quote based on your Total Covered Value. All rates are calculated per $100 of insured value, and every policy includes a $500 “All Perils” Deductible.
Your craft deserves coverage that’s as precise and reliable as the instruments you build. Let Anderson help protect what you’ve worked so hard to create.
"Stated Value" Valuation Coverage Basis
📦 Inventory & Sales Coverage Highlights
- 🛠️ Unsold musical instruments: Covered at full replacement cost
- 📦 Instruments sold but not yet delivered: Covered at net selling price (after all allowances and discounts)
- 📉 Diminished value coverage: Included for instruments and bows
- 📌 Stated Value basis: All instruments are insured under a declared value—not depreciated cash value
Need Liability Insurance for your Shop?
📘 Focused Expertise, Tailored Guidance
Although we are fully licensed to insure liability, worker's compensation, autos, and bonds, we’ve chosen to focus exclusively on insuring musical instruments. It’s what we know best—and where we deliver the most value.
If your shop is part of your home and physically attached to it, we’ll help guide you on what to request from your homeowner’s agent to secure proper liability coverage. We’re here to ensure your business is protected from every angle.
Ready to dive into the details? Review the Anderson Instrument Makers, Dealers, Repairers & Lutherie Coverage Form (IM441 1462 01 16)
Coverage Highlights
🎯 What Our Luthier, Dealer & Repairer Policy Covers
- 🎻 Musical instruments owned by you in your shop
- 🎻 Musical instruments owned by others while at your shop
- 🎻 Musical instruments consigned for sale at your shop
- 📦 Musical instruments shipped for trial evaluation
- 🌍 Musical instruments in your care, custody, and control at trade shows and exhibitions—worldwide
- 🪑 Business property: furniture and fixtures
- ⚙️ Business property: machinery and equipment
- 🪵 Business property: raw materials—woods, alloys, metals, parts
- 🧰 Business property: tools, dies, patterns, molds, reference materials
- 🚚 Shipping coverage: insured either utilizing "stated blanket limits" via trackable common carrier or on an à la carte basis
Notable Highlights
🛡️ Additional Protections Included in Your Policy
- 🔐 Coverage up to $15,000/year for instruments owned by your shop and repossessed by their rightful owner
- 🧾 Deductible waived for customer-owned instruments while at your shop
- 🌎 Worldwide Coverage: Included
- 🌪️ Earthquake Coverage: Included
- 🌊 Flood Insurance: Included
- 🧼 Pollutants Cleanup & Removal: Included
- 🚰 Sewer & Drain Backup: Includes water damage protection
- 🕳️ Sinkhole Coverage: Included
- 🛡️ Terrorism Coverage: Included
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