Is gear covered in the truck overnight?

Yes. Theft from vehicles is covered explicitly, subject to policy terms, which is where working sound rigs actually get hit.

Does this include liability coverage for my events?

No. Ramble covers the equipment itself. General liability is a separate line you'd carry elsewhere, and this coverage sits alongside it.

Is gear covered at outdoor festivals?

Yes. Coverage follows the gear worldwide, including outdoor events, with water and weather-related accidental losses covered subject to policy terms.

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.

Live sound equipment insurance.

Live sound equipment insurance covers consoles, line arrays, amp racks, and the cases they travel in against theft and damage worldwide, in the truck, at the venue, and in storage, and at Ramble it starts at $175 a year. It covers the equipment only, not general liability for your events.

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 RIG

A PA system is hundreds of line items.

A working sound rig is a digital console worth as much as a car, boxes and subs by the dozen, amp racks, stage boxes, a mic locker, wireless systems, and case after case of cable and hardware. The total value surprises even the owner, and itemizing it is the reason most live sound operators put off insurance for years.

This is exactly the job Ramble's chat uploader was built for: hand it your existing inventory spreadsheet, a folder of photos, or a plain list, and it builds the itemized, valued collection. And if the inventory only exists in your head, our concierge team will catalog the whole rig for you.

02 ON THE ROAD

Covered in the truck, the venue, and the lockup.

Sound gear lives in motion and gets left places: in the box truck overnight, at the venue between festival days, and in the storage unit off-season. Ramble covers theft (including from vehicles), accidental damage at load-in and load-out, water and weather losses at outdoor events, and transit, worldwide, subject to policy terms.

03 WHAT IT COVERS

Gear coverage, not general liability.

Ramble insures the equipment itself. General liability for your events and clients is a separate line we don't write, and venues that require liability certificates are asking about that separate policy. Note also that property rented out to others is excluded, so coverage applies to gear you operate yourself; if dry hire is part of your business, talk to us about the specifics.

04 CHURN

Rigs evolve, coverage follows.

Sound inventories churn constantly as boxes get added for bigger rooms and old amps get sold. Edit your collection and resubmit, and only the pro-rated difference is charged or refunded, so the policy stays matched to the warehouse without schedule-change paperwork.

FAQ