Is my gear covered at a studio that isn't mine?

Yes. Coverage follows your gear anywhere: commercial studios, home studios, rehearsal rooms, and everything between.

Is my gear covered in cartage or storage?

Yes. Storage units and cartage lockups are covered, as is theft from vehicles and trailers in transit.

Is my gear covered during paid sessions?

Yes. Professional use is fully covered. Paid work never voids your protection.

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.

Insurance for session musicians.

Gear insurance for session musicians covers your instruments and rig in any studio, in cartage, and in transit, including paid work, which homeowners and renters policies cap at as little as $200 to $1,500 away from home. At Ramble it starts at $175 a year.

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

Paid work limits what a renters policy pays for that gear.

Session work is paid work by definition: every date, every overdub, every cartage run. Standard homeowners and renters policies typically cap musical instruments at around $2,000 unless you add a rider, and they can treat gear used for paid work as business property. If you play for pay, the cap on that gear is often lower, as little as $200 to $1,500 away from home. The more your rig is worth, the less of it that cap covers.

Ramble covers professional use as the baseline. Getting paid to play is why you have the gear; it should never be why you lose the coverage.

02 OTHER ROOMS

Covered in rooms you don't own.

A session player's gear spends its life in other people's spaces, from studios and cartage lockups to backline storage and the trunk between bookings. Ramble's coverage follows the gear, not an address: it's protected at any studio, in storage, in your vehicle (theft included), and in transit, worldwide.

It works in both directions, too. Instruments you borrow or rent for a date are covered up to $25,000 for up to 30 days (just report them within 48 hours), and a bandmate's amp or a client's instrument in your care counts as covered property, which is how cartage life actually works.

03 DOWNTIME

Fast replacement when the next call depends on it.

For a session musician, a lost instrument is lost income by Friday. Ramble claims start in your dashboard (descriptions, photos, done) and are handled by Raphael & Associates, a specialty claims team. Once approved, payment can arrive by check online in as fast as 24 to 48 hours, which is the difference between missing one date and missing a month.

04 ONE COLLECTION

Everything you own, whatever room it's in.

Your Ramble collection is the single inventory of your working life: every guitar, horn, pedal, and interface, each at declared value, wherever it happens to be sitting tonight. Gear comes and goes with the work; edit the collection and resubmit, and you're only ever charged or refunded the difference.

FAQ