Insurance for touring musicians.
Gear insurance for touring musicians covers everything you load in against theft and damage worldwide, including theft from the van or trailer, at the hotel, and as checked baggage, and at Ramble it starts at $175 a year. It also covers losses nobody can explain, such as gear that goes missing from the merch table.
- 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
01 THE MISMATCH
Touring is exactly what homeowners policies exclude.
Take a standard renters or homeowners policy on tour and you're carrying two exclusions at once: your gear is off-premises, and it's earning money. Either one can sink a claim. The insurance most musicians think they have quietly stops at the front door.
Ramble is the inverse: worldwide, all-risk coverage where professional use and life on the road are the design brief, not the fine print.
02 VEHICLE THEFT
Vehicle and trailer theft, spelled out.
Ask any touring band about their worst night and there's a decent chance it involves a parking lot. Theft from your car, van, or trailer is explicitly covered at Ramble, as is theft from the venue, the hotel, and the storage unit between legs. If the whole trailer disappears overnight, that's a covered claim.
03 WORST NIGHTS
Written for the worst tour stories.
The policy is written for the tour-diary worst hits, like a tour bus hit head-on by a tractor trailer, a tour vehicle catching fire, gear stolen from vehicles, trailers, and venues, or a bass left on a train with no explanation, which is exactly what mysterious disappearance coverage exists for. Approved claims can pay by check online as fast as 24 to 48 hours, which matters when the next show is tomorrow. And if a covered loss puts an instrument in the shop mid-tour, rental reimbursement covers a rented substitute at up to $2,500 a day (up to $25,000), with no deductible on the reimbursement, so the run finishes.
04 FROM THE ROAD
Manage the policy from the van.
Picked up a backup head in a pawn shop in Tulsa? It's already covered: newly acquired gear is automatically insured up to $25,000 for 30 days from the day you buy it. Add it to your collection from your phone and resubmit to make it permanent, with only the pro-rated difference charged. Your whole policy (gear list, values, claims) lives in a dashboard that works from wherever the routing takes you.
FAQ
Common questions
Yes. Rental reimbursement covers a substitute at up to $2,500 a day, up to $25,000 per occurrence, with no deductible on the reimbursement.
Yes. Newly acquired gear is covered up to $25,000 for 30 days from the day you buy it. Add it to your collection and resubmit to keep it covered after that.
Yes. Coverage follows the gear: hotel rooms, green rooms, stages, and everywhere between load-in and load-out.
Related
Coverage for every setup.
- Flying with music gearOn US airlines, an instrument that fits the overhead bin flies with you if there's room when you board, and bigger ones can have a seat or be checked. Here's how each kind of gear travels, what each airline allows, the battery rules, and when to ship instead.
- Flying with a guitarUS airlines must let you carry on a guitar that fits in the overhead bin if there's space when you board. Here's how to get it on the plane, what each airline allows, and what to do if it has to go in the hold.
- Music gear insuranceMusic gear insurance for musicians. Cover instruments and equipment worldwide against theft, loss, and accidental damage. Apply in minutes with Ramble.
- Guitar insuranceGuitar insurance that covers theft, cracked headstocks, and life on the road. Worldwide, all-risk coverage from $175/yr with a $100 deductible. Apply in minutes.
- Drum kit insuranceDrum kit insurance that survives load-in. Shells, snares, cymbals, and hardware covered worldwide, including theft from vans, trailers, and storage units.
- Band equipment insuranceBand equipment insurance for the whole backline: amps, drums, PA, and instruments covered against trailer theft, venue losses, and the road. From $175/yr.
Get a quote in minutes.
Ramble policies start at $175 a year, plus a $10 fee, and approval takes one business day or less.
