Does this cover my studio's liability?

No. This is equipment coverage only. General liability for your business premises is a separate insurance line that Ramble doesn't write. What we cover is the gear itself, all-risk and at declared values.

Is client-facing use covered?

Yes. Professional and commercial use is fully covered. Paid sessions and client work are the normal case, not an exclusion.

How do I insure a large console?

Add it to your collection at its declared value like any other piece. High-value items are welcome, and the whole schedule gets quoted immediately from your uploaded collection.

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.

Recording studio gear insurance.

Recording studio insurance from Ramble covers your studio's equipment, including consoles, outboard, mic lockers, monitors, and computers, against theft, damage, and loss on one all-risk policy from $175 a year. It covers the gear only: general liability for your business is a separate line that Ramble doesn't write.

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 WHAT'S COVERED

What this covers, and what it doesn't.

Ramble writes inland marine equipment coverage, which protects the gear itself against theft, damage, fire, water, and transit losses. It is not premises liability or general business liability; if a client trips over a cable run, that's a different policy from a different market. What Ramble protects is the physical studio: every mic, channel strip, monitor, and machine in the room.

02 HIGH VALUE

Consoles and mic lockers, made painless.

A studio's value concentrates brutally: one console, a handful of vintage mics, and a rack of outboard can carry most of the room's worth. Ramble insures each piece at its declared value on a single policy, and building that schedule doesn't mean weeks of forms: photograph the room, drop in your gear spreadsheet, or describe what's in the racks, and the chat uploader itemizes and values it for you, with an immediate quote when you apply. If cataloging the whole room sounds like a week you don't have, our concierge team will happily do it for you.

There's no cap on how much gear you can put on the collection, and you can update values any time.

03 CLIENT WORK

Client sessions are professional use, covered.

A commercial studio's gear is business property every hour of the day, which is exactly why homeowners-style coverage fails it. Ramble covers professional use outright: paid sessions, rentals of the room, client projects. The commercial reality of studio life is the baseline assumption of the policy.

04 INVENTORY

Your collection is your studio inventory.

Every studio owner has meant to build a proper gear inventory for years. Your Ramble collection is that inventory: itemized, valued, photographed, and tied to your actual coverage. When gear comes and goes, update the collection and resubmit; you're only ever charged or refunded the pro-rated difference.

FAQ