AVS & ACMP Viola Insurance Program by Anderson
AVS & ACMP Viola Insurance
🎻 Trusted Coverage for Violists Worldwide
Anderson Musical Instrument Insurance Solutions, LLC is your trusted partner for insuring violas—whether you’re performing solo, in a quartet, or leading an orchestra—anywhere in the world.
Located in Venice, Florida (USA), Anderson has insured symphony orchestras, musician associations, collectors, dealers, and individual musicians worldwide since 1991. Our sole focus is musical instrument insurance—crafted with precision, empathy, and care.
Our Musician Association Instrument Insurance Program is endorsed by respected organizations such as:
- 🎶 American Viola Society (AVS):
AVS members enjoy exclusive benefits through our AVS Viola Insurance Program
Learn more about AVS at the American Viola Society website - 🎼 Associated Chamber Music Players (ACMP):
ACMP members receive tailored coverage, competitive rates, and responsive service
Explore ACMP at the ACMP official site
Whether you're an AVS member, an ACMP enthusiast, or an independent violist, Anderson offers comprehensive “All Risk, Stated Value” coverage with global protection and musician-savvy support.
🎯 Get a QuotePremium Rate and Minimum Premiums
The AVS & ACMP Viola Insurance Program base premium rate is $0.45/$100 USD. $160.00/year USD (minimum premium) including the annual $25.00 policy fee, covers up to $30,000 for most itemized instruments (rates are higher for harps and string basses).
đź’µ AVS & ACMP Viola Insurance Premiums
- Base Premium Rate: $0.45 per $100 USD of insured value
- Minimum Annual Premium: $160 USD
Includes a $25 policy fee
Covers up to $30,000 for most itemized instruments - Note: Rates are higher for harps and string basses
Coverage Highlights and "The Fine Print"
🎯 AVS & ACMP Viola Insurance Coverage Highlights
- ✅ “All Risk, Stated Value” Coverage: Worldwide protection included
- ✅ “All Perils” Deductible: $0
- 🌍 Coverage Territory: Worldwide
- 📉 Diminished Value Coverage: Included
- đź“„ Appraisals: Generally requested for values over $15,000
- 🎻 Multiple Instruments: Yes! Instruments valued at $100K, $250K or more may qualify for additional premium discounts
- đź’µ Replacement Cost Values: Submit current replacement or market value for each instrument
- 🎠Professional Use: Included
- 🌪️ Flood & Earthquake Coverage: Included
- 🎙️ Performance Interruption: Up to $600 for actual loss sustained (higher limits available)
- đźšš Air & Ground Shipping: Included with $0 deductible
- 🎼 Rental Reimbursement: Included for AVS members
Up to $225/month for 6 months after a covered loss
Applies if no equivalent idle instrument is available and repairs are timely - 🧩 Electronic Equipment & Software: Add-on available at $0.72 per $100 insured
Includes audio, VST/VSTi plugins, sync licenses, and dongle-based software - đźš— Theft from Unlocked Vehicle Exclusion: Vehicle must be locked and show visible signs of forced entry (glass, lock, exterior) for coverage to apply
- 🏢 Underwritten by Hanover Insurance Company: Issued in the State of Florida
View the full Anderson Group Musical Instrument Insurance Coverage Form
Learn more about Hanover Insurance Company
Homeowners Insurance is NOT the Solution
- 🎯 Coverage Limits: Most homeowner’s policies cap viola coverage at ~$2,000—especially if you receive any “pay for play” income.
If your viola is valued above this, consider the Anderson Signature Insurance Program. - ⚠️ Business Use Exclusion: Violas used in paid performances are often excluded.
Anderson covers casual, professional, and business use—no exceptions. - 🌊 No Flood Coverage: Unless you carry a separate flood policy, homeowner’s insurance won’t cover flood damage.
Anderson includes flood coverage for itemized violas. - 🌎 No Earthquake Coverage: Most homeowner’s policies exclude earthquake damage—especially to violas.
Anderson includes it. - đź’Ą Missing Perils: Falling, cracking, bumping, and dropping are typically not covered.
Homeowner’s adjusters often assess value only after a claim—when it’s too late.
Anderson covers these perils upfront.
View the full policy form in the Anderson Group Musical Instruments Coverage Form - 📌 Stated Value vs. Actual Cash Value: Anderson insures your violas for their full itemized value—not depreciated cash value.
- 🧾 Appreciation Risk: Most homeowner’s policies settle claims on Actual Cash Value (replacement cost minus depreciation).
Many violas appreciate over time.
Always ask your homeowner’s agent for written confirmation before relying on their coverage.
You never want to discover a coverage gap at claim time.