Anderson Signature Harp Insurance Program
Signature Harp Insurance by Anderson
Anderson Musical Instrument Insurance Solutions, LLC is your trusted partner for insuring your harp—whether it’s in your studio, on stage, or traveling across the globe.
Based in Venice, Florida (USA), Anderson has insured major symphony orchestras, musician associations, collectors, dealers, and individual musicians worldwide since 1991. Our Musician Association Insurance Program is endorsed by leading harp societies and offers exceptional service, exclusive member benefits, comprehensive coverage, and competitive rates.
With our custom-crafted “All Risk, Stated Value” Signature Coverage Form, you can trust Anderson to safeguard your harp while saving you money—wherever you live or perform.
Join over 3,500 harpists who rely on Anderson Group to protect their instruments with precision, empathy, and care.
🎯 Coverage Highlights
- ✅ “All Risk” Stated Value Coverage – Worldwide
- ✅ Deductible as low as $250 USD
- ✅ Rental reimbursement available for just $25/year
- ✅ Earthquake, flood, and shipping coverage included
- ✅ $600 Performance Interruption Coverage included (higher limits available)
🎼 Comprehensive Musical Instrument Insurance
Our Signature Program covers a wide range of instruments globally, including:
Accordion, Bagpipe, Cello, Clarinet, Double Reed, French Horn, Flute, Guitar, Harp, Mandolin, Percussion, Piano, Saxophone, String Bass, Trumpet, Tuba & Euphonium, Viola, Violin, Woodwind—and everything in between.
🎵 Ready to protect your harp with confidence and clarity? Get a quote today and join the thousands of harpists who trust Anderson.
Fast. Secure. Tailored for musicians.
Signature Harp Insurance Rates
🎵 Pedal Harps
- 💰 Rate: $1.00 USD per $100 of insured value
- 📉 Minimum Premium: $225.00 USD annually
Covers up to $20,020 in pedal harps and accessories
🎶 Lever Harps
- 💰 Rate: $0.94 USD per $100 of insured value
- 📉 Minimum Premium: $185.00 USD annually
Covers up to $16,958 in lever harps and accessories
Anderson Endorsed Harp Association Links
🎯 Ready to Protect Your Harp—and Save Big?
If you're already a member of one of the harp societies listed below—or plan to join when applying for insurance—you’re in the right place. Our harp insurance programs are tailored for society members and offer:
- ✅ Exclusive member pricing
- ✅ Comprehensive “All Risk, Stated Value” coverage
- ✅ Worldwide protection with no performance exclusions
- 💰 Up to 30% savings compared to standard rates
Click the appropriate link below to learn more and request a quote:
- 🇺🇸 American Harp Society (AHS)
- 🌍 World Harp Congress (WHC)
- 🎶 International Society of Folk Harpers and Craftsmen (ISFHC)
- 🇦🇺 Harp Centre of Australia
- 🇳🇿 Harp Society of New Zealand
- 🇳🇴 Norwegian Harp Association
- 🇸🇬 Harp Association of Singapore
🎵 Whether you play pedal or lever harp, perform professionally or casually, Anderson Group is here to protect your sound—and your savings.
Harp Rentals
| Feature | Lever Harp | Pedal Harp |
|---|---|---|
| Monthly Premium | $25/month | Based on $1.00 per $100 insured |
| Minimum Annual Premium | $185/year | $225/year |
| Coverage Limit (Base) | Up to $16,958 | Up to $20,020 |
| Deductible | $250 USD | $250 USD |
| Flood, Earthquake & Shipping | Included | Included |
| Performance Interruption | $600 included | $600 included |
Need help choosing the right rental coverage? Explore Pedal Harp Rental Insurance or View Lever Harp Association Options.
Interested in renting out your personally owned pedal harp? Anderson offers flexible coverage options tailored to your rental arrangement:
- 🎯 Short-Term Loans: 1–7 days
- 📆 Private Party Rentals: 1–31 days
- 📅 Month-to-Month Rentals
- 🗓️ Quarterly Rentals
- 📈 Semi-Annual Rentals
- 🏢 Commercial Pedal Harp Rentals
Homeowners Insurance is NOT the Solution
🏠 Why Anderson Coverage Outperforms Homeowner’s Policies
- 🚫 Coverage Limits: Most homeowner’s policies cap musical instrument coverage at ~$2,000—especially if you receive any “pay for play” income.
If your instrument is valued above this, consider the Anderson Signature Insurance Program. - ⚠️ Business Use Exclusion: Instruments 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 instruments. - 🌎 No Earthquake Coverage: Most homeowner’s policies exclude earthquake damage—especially to instruments.
Anderson includes it. - 💥 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 instruments 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 musical instruments 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.
Need help choosing the right rental coverage? Explore Pedal Harp Rental Insurance or View Lever Harp Association Options.
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