Are instruments covered when students take them home?

Property loaned or rented to others is a standard policy exclusion, so coverage applies to instruments under the school's control. If your school runs a rental fleet, reach out and we'll walk through the specifics.

Are off-site recitals covered?

Yes. School-controlled instruments are covered off-premises and in transit: rented halls, showcases, and ensemble trips included.

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.

Instrument insurance for music schools.

Instrument insurance for music schools and teaching studios covers pianos, classroom instruments, and ensemble gear against accidents, theft, and damage in transit, including the move to every recital. Damage from students' handling counts as accidental damage, which the policy covers.

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 HARD LIVES

School instruments live hard lives.

Classroom instruments absorb more handling in a semester than most private instruments see in a decade, between small hands, crowded rooms, and daily setup and teardown. Ramble covers accidental damage, which is what most of that reality produces: student handling is life, not negligence, and the policy treats it that way.

The policy also covers theft, fire, and water damage, the risks every school building knows well, subject to policy terms.

02 FLEETS

Fleets and inventories, finally manageable.

A fleet of thirty violins, six keyboards, two grands, and a closet of percussion is an inventory problem before it's an insurance problem. Ramble's collection system was built for exactly this: photograph the fleet or upload the inventory list, and the chat uploader turns it into an itemized, valued inventory with an immediate quote at application. As instruments join and leave the fleet, premiums only ever move by the pro-rated difference. Our concierge team will even build the inventory for you if you'd rather hand over the closet list.

03 EVENTS

Recitals and off-site events covered.

Coverage follows the instruments off-premises and in transit, worldwide, whether it's the recital at the rented hall, the ensemble trip, or the piano moved across town for the showcase. The annual logistics scramble doesn't need an insurance scramble on top of it.

04 THE LIMITS

Equipment coverage, with honest limits.

Ramble covers the instruments and equipment themselves. General liability for your students and premises is a separate line your school carries elsewhere. Note that property loaned or rented to others is excluded under the policy, so coverage applies to gear under the school's control rather than instruments rented out to students. Talk to us about your fleet's specifics.

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