Is gear covered if the trailer is stolen overnight?

Yes. Theft from vehicles and trailers is covered explicitly, subject to policy terms, which is exactly the loss touring bands actually take.

Should the band have one policy or several?

Gear the band owns collectively can live on one policy, and each member covers their personally-owned gear on their own. We're happy to help you sort out which structure fits.

Are paid gigs covered?

Yes. Professional use is fully covered. Getting paid to play never weakens the coverage.

What does Ramble insurance cover?

Ramble provides worldwide, all-risk coverage for musical instruments and related equipment. You're protected against theft, accidental breakage, fire, lightning, water or flood damage, vandalism, damage caused by vehicles, and even mysterious disappearance, subject to policy terms.

How much does Ramble insurance cost?

Policies start at $175 a year. Above that, the premium scales with your collection's total insured value, the deductible you pick, and the mix of gear, since instruments, computer equipment, and general business property are each rated differently. You'll see your exact number during the application, before you pay anything.

What is the deductible?

The policy has a low $100 minimum deductible per claim (not per item). Flood and Earth Movement have a separate deductible equal to 5% of the item value.

How do I get a quote, and how long does it take?

First you catalog your gear, by uploading photos, typing or talking through what you own, or dropping in a spreadsheet. Then you start an application, pick the items you want covered, and answer a short form. Your quote appears immediately, and you can pay right there. Most applications are approved in one business day or less.

Band equipment insurance.

Band equipment insurance covers your amps, drums, PA, and instruments against theft and damage, including trailer theft and losses at venues, and at Ramble it starts at $175 a year per policy. Paid gigs and touring are covered.

Price: From $175 a year, plus a $10 fee
Deductible: $100 per claim, not per item
Coverage: Worldwide, all-risk, professional use included
Approval: One business day or less
Claims: Paid by check online as fast as 24–48 hours after approval

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01 THE TRAILER

The trailer outside the venue is the classic loss.

Every scene has the story: the band plays the show, loads out, sleeps, and wakes up to an empty parking space where the trailer was. Gear theft from vans and trailers is the most notorious loss in live music, and it's precisely what most insurance quietly excludes through off-premises limits and business-use clauses.

Ramble covers theft from vehicles and trailers explicitly, along with theft from venues, storage lockups, and rehearsal spaces, worldwide. And if a covered loss guts the backline mid-run, rental reimbursement covers rented replacement gear at up to $2,500 a day (up to $25,000 per occurrence) with no deductible on the reimbursement, so the weekend's shows still happen.

02 WHOSE GEAR

Band-owned and member-owned, both handled.

Band gear ownership is always a little tangled, since the PA belongs to the band fund, the amps belong to individuals, and nobody remembers who bought the cables. The clean structure is simple: gear the band owns collectively lives on one policy under the band, and each member covers their own instruments and rigs on their own policy in minutes. Either way every piece sits in an itemized collection at its declared value.

03 THE MISMATCH

Gigging is what home policies exclude.

The moment the band gets paid, homeowners and renters policies can treat the gear as business property. Standard policies typically cap musical instruments at around $2,000 unless you add a rider, and the cap on gear used for paid work is often lower, as little as $200 to $1,500 away from home. A working band's gear is away from home at every show. Ramble covers professional use outright and follows the gear wherever the booking is.

04 EASY

Catalog the backline in one afternoon.

Photograph the gear at rehearsal, or hand over the stage plot and input list, and Ramble's chat uploader identifies everything and builds the valued collection. Apply straight from it with an immediate quote and approval in one business day or less. If nobody in the band wants the job, our concierge team will catalog it all for you, which is more than can be said for load-in. And when the band picks up a new head or a used sub between updates, newly acquired gear is automatically covered up to $25,000 for 30 days from purchase.

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