Anderson NFA Flute Insurance Program
National Flute Association Insurance Program
🎵 Global Coverage for Flutes
Anderson Musical Instrument Insurance Solutions, LLC is your trusted partner for insuring flutes—from piccolos to alto and bass flutes—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 leading organizations, including the National Flute Association (NFA). Members enjoy:
- âś… Exclusive NFA member benefits
- ✅ Comprehensive “All Risk, Stated Value” coverage
- âś… Competitive rates with global protection
- âś… Responsive, musician-savvy service
🎼 Instruments We Cover
Our Signature Insurance Program spans a wide range of instruments, 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 flute with confidence? Get a quote today and experience the Anderson difference.
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. - 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 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.
NFA Premium Rate and Minimum Premium
đź’° NFA Flute Insurance Program Rates
- Base premium rate: $0.50 per $100 USD.
$160.00/year USD (minimum premium) includes a $25.00 annual policy fee and covers up to $27,000 for most itemized instruments.
Note: Rates may be higher for harps and string basses.
National Flute Association Coverage Highlights
🛡️ What’s Included in Your Flute Coverage
- “All Risk, Stated Value” Coverage – worldwide protection for your flutes
- “All Perils” Deductible – $0
- Coverage Territory – worldwide
- Diminished Value Coverage – included
- Appraisals – seldom required
- Replacement Cost Values – submit current valuations from your flute manufacturer(s)
- Professional Use – included
- Flood & Earthquake Coverage – included
- Multiple Instruments? Yes! Instruments valued at $100,000, $250,000 or more may qualify for additional premium discounts
- Performance Interruption Coverage – up to $600 for covered losses
- Air & Ground Shipping Coverage – included, with $0 deductible
- Underwritten by Hanover Insurance Company – official carrier for the NFA Flute Insurance Program
This program is issued in the State of Illinois.
View the coverage form
FLUTE INSURANCE RATES-NO NFA MEMBERSHIP
đź’¸ Flute Insurance Rates for Non-NFA Members
- Base premium rate: $0.64 per $100 USD
$175.00/year USD (minimum premium) includes a $25.00 annual policy fee and covers up to $23,438 for most itemized instruments
Note: Rates may be higher for harps and string basses. - For full program terms, rates, and features, please visit this page.
Fast. Secure. Tailored for musicians.
Important Additional Information
Rental Reimbursement Coverage
Included for NFA Members insured in the National Flute Association Insurance Program. Coverage up to $225.00 per month for up to 6 months is available, subject to the timely repair of your instrument after a covered loss, AND you do not have an equivalent idle instrument available to use.
Electronic Equipment & Software
Electronic Equipment and Software may be added at a cost of $.65/$100 of insured value. Software includes audio, VST, VSTi plugins and synch licenses using virtual or hardware dongles. This charge is in addition to the total premium for your musical instrument schedule and accessories.
Theft from Unlocked Vehicle Exclusion
If your instrument(s) are left in an unattended vehicle, that vehicle must be kept locked at all times. Coverage is provided for theft, pilferage, burglary or robbery only if evidenced by visible signs of forced entry on the exterior of the vehicle, glass or vehicle lock(s).
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