Do we need appraisals to get covered?

No. Instruments are insured at the value you declare. Keep appraisals for your own records if you have them, but coverage doesn't wait on them.

Are musicians' personal instruments covered under the organization's policy?

Players insure their own instruments on their own policies, which takes minutes and starts at $175 a year. The organization's policy covers the instruments and equipment it owns and controls.

Are instruments covered on tour and at run-out concerts?

Yes. Coverage is worldwide and includes transit, rented halls, and touring, 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.

Instrument insurance for orchestras & ensembles.

Instrument insurance for orchestras and ensembles covers the instruments and equipment the organization owns, worldwide, as one itemized collection at declared values, with no routine appraisals. If cataloging a whole orchestra sounds like a season of work, our concierge team will do it for you.

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 TASK

Cataloging an orchestra is the real obstacle.

Ask any orchestra administrator why the instrument schedule is out of date and the answer is always the same: building it is miserable. The job spans dozens of instruments, a percussion closet nobody has fully inventoried since the last music director, and a spreadsheet three managers old.

Ramble was built to erase that task. Hand our chat uploader the old spreadsheet, a folder of photos, or a plain list, and it builds the itemized, valued collection for you. Or skip even that: our concierge team will catalog the entire organization's instruments on your behalf.

02 NO APPRAISALS

Declared value, not an appraisal season.

Ramble has no routine appraisal requirement. You declare a value for each instrument, so the schedule can be approved this week rather than after a season of appraisal appointments. When you compare programs, ask the value above which an appraisal is required. When values change, update the collection and resubmit; only the premium difference is ever charged or refunded.

03 ON TOUR

Covered in the hall, the truck, and the run-out.

Coverage is worldwide and follows the instruments off-premises and in transit, whether it's the season in the home hall, the run-out concert two counties over, or the tour that puts the double basses in a truck. Theft, accidental damage, fire, and water losses are covered, subject to policy terms.

When an instrument goes into the shop after a loss, the loaner that bridges the repair is covered too: borrowed and rented instruments are insured up to $25,000 for up to 30 days, as long as you report it within 48 hours.

04 MEMBERS

Players' own instruments, handled just as easily.

Most instruments on stage belong to the musicians, and each player can cover their own in minutes: photograph or describe the instrument, let the chat uploader catalog it, and apply with an immediate quote from $175 a year. Point your section players here; it's the same coverage the organization gets, sized for one instrument instead of a hundred.

05 THE LIMITS

Instrument coverage, with honest limits.

Ramble covers the instruments and equipment themselves; general liability for your venue and audience stays with the organization's existing policies. Note that property loaned or rented to others is excluded under the policy, so coverage applies to instruments under the organization's control. If your orchestra runs a loaner program, talk to us and we'll walk through the specifics.

FAQ