Business Insurance?

[Dave Staudte (rhymms with "Howdy") NB Guitar Repair (New Braunfels, TX)]

I use Anderson Musical Instrument Insurance. Been fine for 3 years now, reasonably priced. I have not had to make a claim, so fingers crossed!

[Bryan Parris Parris Guitars]

I have insurance from a local broker and it’s written through Donegal. I have general liability, and a property insurance to cover all of our equipment (more than average because it covers the Plek machine). Also another called Bailee’s coverage that covers the instruments in my care.

[Tony Lewis Skypilot Guitar Repair]

Man….Just went through the insurance grinder. I don’t know about Texas but here in Cali, getting home business insurance is a nightmare. Getting a homeowners insurance policy is next to impossible if you have a business at home. Our homeowners insurance carrier asked if anything had changed when the policy was up for renewal and I told them I had a business at home. They sent a cancellation notice a week later. So not sure whether you want to tell your homeowners insurance carriers that you have a business on the property, especially if you hope to have “foot traffic”. Texas hopefully much different. Having said this, Hartford offers great small business insurance. I am home based as well and have a business policy with them. The agent I deal with is based in……Texas! I have a business policy which covers personal liability, instrument coverage etc. and pay around 103. a month.

[Paris Patt | Daymaker Music]

I would look to the Hartford, it’s cheap and they have musical instrument specific policies that can often be included gratis for small businesses, my policy on a 500 sq ft retail and repair in WA is $900 a year with $25000 per instance instrument insurance (theft, fire, flood, etc).