Is my gear covered in the DJ booth?

Yes. Coverage applies wherever you play (clubs, festivals, private events), and professional use is fully covered.

Is my laptop covered?

Yes. Computer hardware and software are insurable gear categories on your Ramble policy, right alongside your decks and mixer.

What about a mobile rig in the van?

Covered. Theft from vehicles and trailers is included, as is damage in transit between bookings.

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.

DJ equipment insurance.

DJ equipment insurance covers your CDJs, mixers, controllers, and laptop against theft and damage worldwide, including at paid gigs, and at Ramble it starts at $175 a year with a $100 deductible. It covers club installs, mobile rigs, and festival gigs, and applying takes a few minutes.

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 EXCLUSION

DJ gear is professional-use by definition.

If you're getting booked, your gear can count as business property under a homeowners or renters policy. Standard policies typically cap musical instruments at around $2,000 unless you add a rider, and the cap on business property is often lower, as little as $200 to $1,500 away from home.

Ramble covers professional use outright, worldwide, from $175 a year.

02 REAL SCENARIOS

Drinks, booths, and transit.

DJ gear dies in predictable ways, like a drink across the mixer, a controller crushed in the trunk of a rideshare, a bag that walks off while you're packing down at 3 a.m., or a van break-in between weekend bookings. Accidental damage, theft (including from vehicles), and even mysterious disappearance are covered, subject to policy terms.

03 THE LAPTOP

Laptops and software covered alongside the decks.

The laptop is the heart of most modern rigs, and Ramble treats it as gear: computer hardware and software are insurable on the same policy as your CDJs, mixer, and controllers.

04 SPEED

Covered before the weekend.

Photograph the rig or type out what's in it, let the chat uploader build your valued collection, then apply straight from it with an immediate quote. Approval comes back in one business day or less; if you get booked Thursday, you can have the whole thing done before the weekend.

FAQ