WHC Harp Insurance Program
🎵 WHC Members—This Coverage Is for You
If you're an active member of the World Harp Congress (WHC) and not yet participating in the official WHC Harp Insurance Program, now is the perfect time to enroll.
Coverage includes:
- Worldwide protection for your harp
- Agreed value coverage
- Exceptional rate of USD $0.61 per $100 of insured value
To get started, simply submit your fully completed application. Coverage begins once approved and paid in full.
🎟 Not Yet a WHC Member?
WHC membership in good standing is required to access this valuable coverage.
📝 Ready to Apply?
Once your WHC membership is confirmed, you can apply for your WHC Harp Insurance coverage.
Program Highlights
🎻 Coverage Highlights
📌 Causes of Loss
“All Risk” Coverage is provided for your instruments, equipment, and accessories—except as specifically excluded.
💎 Valuation Clause
Coverage is offered on an agreed value basis, ensuring clarity and confidence in your protection.
🌍 Coverage Territory
Your instruments are insured worldwide—whether you're performing across town or touring internationally.
🏢 Program Administrator & Broker
Anderson Musical Instrument Insurance Solutions, LLC
871 Venetia Bay Blvd, Suite 201
Venice, FL 34285-8049
www.harpinsurance.com
🎵 Rate Per $100 of Insured Value
- Pedal Harps: USD $0.61 per $100 of covered value
- Lever Harps: USD $0.68 per $100 of covered value
Hanover Insurance Company underwrites our program for the World Harp Congress Harp Insurance Program. This program is issued in the State of Texas. A copy of the Anderson Group Musical Instrument Insurance Coverage Form insured by Hanover Insurance Company may be viewed here.
💰 Minimum Premiums
- Pedal Harps: USD $175/year
($150 premium + $25 policy fee) — covers up to USD $24,570 of itemized instruments and accessories - Lever Harps: USD $135/year
($110 premium + $25 policy fee) — covers up to USD $16,246 of Lever Harps and accessories
🚚 Shipping Your Harp
Your harp is insured when shipped by common carrier for any purpose, provided it is:
- Properly strapped, cushioned, and protected
- Professionally packed in a container customarily used for harp shipments
Deductible: $350 for common/contract carrier shipments
🎻 Renting Your Harp
Prior approval from Anderson Group is required for all rental harps.
- Coverage for rental instruments is limited to $1,000 without underwriting approval
- Owner and renter must be members of the WHC
- A rental questionnaire must be completed by the owner or renter
- Minimum charge of $25 to name either party as additional insured
📄 Click here to review our rental guidelines
🎯 Coverage Scope
- Coverage applies to both personal and professional use at no additional cost
- Deductible as low as $250 for “all perils” (excluding carrier shipments)
💳 Payment & Activation
Coverage becomes effective upon:
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- Confirmation of approval
- Payment in full by Debit Card, Credit Card, ACH, or US Check
🆕 Harps Less Than 30 Years Old
Appraisals are typically not required for harps under thirty years old. However, we recommend confirming your harp’s value annually—usually available from your harp manufacturer’s website.
📜 Harps Over 30 Years Old or No Longer Manufactured
These instruments require additional documentation to ensure accurate coverage:
- A written appraisal from your harp manufacturer, a credentialed harp maker, appraiser, or repair technician. This must include:
- Condition of the harp
- Current market value, defined as the price agreed upon by a willing buyer and seller
Note: Even fully restored older harps may not match the value of similar new models. Harps no longer in production may also require adjusted valuations.
- A copy of your bill of sale and any receipts for prior restorations (unless waived by underwriting)
- We advise against insuring an older harp for more than its realistic resale value. Over-insuring may result in paying for coverage you cannot utilize.
🔒 Theft from Unlocked Vehicle Exclusion
If your instrument is in a vehicle, the vehicle must be locked at all times. Coverage for theft, pilferage, burglary, or robbery is provided only if there are visible signs of forced entry on the exterior or lock mechanisms.
🛡️ Terrorism Coverage
Coverage for terrorism-related losses is included at no additional charge, as defined under the Terrorism Risk Insurance Act (TRIA).
💻 Electronic Equipment & Software
Electronic gear and software may be added to your policy at a rate of $0.72 per $100 of insured value. This includes:
- Audio software
- VST & VSTi plugins
- Synch licenses using virtual or hardware dongles
This charge is in addition to your musical instrument and accessory premium.
🎻 Rental Reimbursement Coverage
Included at no extra cost for WHC members in good standing.
Provides up to $225/month for up to 12 months to cover rental costs during timely repair of a covered loss—if you do not have an equivalent idle instrument available.
📝 Information Required for Coverage
To provide insurance coverage, we require detailed responses to the following questions, all found in our online application:
- Details outlining the primary user’s harp experience
- Background information on the primary user’s history with harps
- Who transports the instrument when away from home, and how is it transported?
- Where is the harp stored when not in use and away from your residence?
- Who is responsible for the harp when it’s away from your residence and not being played?
🎯 Ready to Get Started?
If you’d like to receive a quote for our Harp Insurance, simply complete the application:
🎻 Does My Homeowners Policy Cover My Harps?
- Limited Coverage: Most homeowners policies cover harps up to a modest limit—typically less than $2,000 total. If your harp exceeds this value, consider dedicated Harp Insurance.
- Business Use Exclusion: If your harp is used during a paid performance, it may be considered business use—and your homeowners policy may not respond. Anderson Harp Insurance covers casual, professional, and business use.
- No Flood Coverage: Homeowners policies do not cover flood damage unless you carry a separate flood policy. Anderson Harp Insurance does cover flood damage to listed instruments.
- No Earthquake Coverage: Earthquake damage is rarely covered under homeowners policies—and even less likely to include harps.
- Unlisted Perils: Harp Insurance covers risks like falling, cracking, bumping, and dropping—which are not listed perils under standard homeowners policies. Every claim is reviewed by a company adjuster.
📄 View the full Anderson Harp Policy - Lower Deductible: Harp Insurance offers deductibles as low as $250, while homeowners policies often start at $1,000+.
- Agreed Value vs. Actual Cash Value: Harp Insurance provides Agreed Value coverage. Homeowners policies may only offer Actual Cash Value (replacement cost minus depreciation), which can undervalue your harp—even if it’s in top condition.
- Coverage C Impact: If your harp’s value is deducted from your Personal Property (Coverage C), it may reduce protection for other essentials like linens, furniture, and appliances.