
we do not cover any musical instrument or related equipment used in any business pursuit, profession, or while played for compensation, regardless of how often
for property used or intended for use in a business while on the residence premises, the maximum amount payable in any one loss is $1,500, including instruments held for delivery after sale
we cover only physical loss caused by a peril listed in this policy, such as fire, theft, or vandalism; accidental breakage from drops or impact is not included
for property used in a business while away from the residence premises, the maximum we will pay is $200 per occurrence regardless of the actual value of the items lost
theft of property while at any other residence, in transit, or away from the residence premises is not covered, including loss from an unattended vehicle without visible evidence of forced entry
flood, including but not limited to surface water, waves, tidal water, or overflow of any body of water, is not covered under this policy regardless of cause
earth movement of any type, including earthquake, volcanic eruption, landslide, or sinkhole, is not covered, regardless of how it occurs
in the event of a covered loss, we will pay no more than the actual cash value of the property less depreciation, and not the cost to replace the item with new
the deductible applicable to any one loss is $1,000, which shall be subtracted from any amount we would otherwise pay you
for electronic data processing equipment, including computers, audio interfaces, and recording or storage media, the maximum payable in any one loss is $5,000 regardless of the actual replacement cost
coverage above the standard sub-limit requires a current professional appraisal updated within the last five years; without one, the standard sub-limit applies
we do not cover any loss where the cause of the loss cannot be identified, including property that has simply disappeared from a known place
Ramble protects against theft, loss, accidental breakage, vandalism, fire, flood, earthquakes, and more.
Your equipment is automatically covered anywhere in the world—at home, in the studio, on the road, as checked airline baggage, or when being shipped.
We cover any instrument you can imagine, plus recording gear, consoles, mics, sound and lighting equipment, cameras, computers, cables, and more.
Our team is always here to help. Real support when you need it, reachable by email or phone—and we know how to pronounce Moog.
Snap photos, drop us a spreadsheet, or just describe what you've got! We'll identify everything and build out your collection in no time.
Insure your whole rig or just the pieces that matter.
Five quick questions. Submit and you're done! Get approved in one business day or less.
For illustration only. Amounts above are estimates based on Instruments & Equipment coverage with a $100 deductible. Policies start at $175/year; your actual premium and coverage depend on your gear, deductible, and application review.
We've partnered with D'Addario, one of the most respected names in music, to bring Ramble collection and insurance services to over 600,000 Players Circle members.
Ramble's capacity is supported by the Accelerant Risk Exchange, a modern platform that empowers specialty underwriters through advanced analytics and AI-powered insights.

The Ramble program is administered by Bolton Street Programs, a renowned MGA with decades of experience covering the music industry.