Audio & Sound Equipment Insurance: Quotes From $11/mo

Providing entertainment or entertainment support is not only fun and creative but a business component must also be thought of. You must invest in trusty pieces of audio equipment. The thing is music shops rarely sell A-rated pieces of audio equipment cheaply.

Have you thought about if something destructive happens and you don't have the equipment anymore and, therefore, no income? Audio equipment are electronic devices that can short-circuit. A wrecker can damage the audio equipment you own during a concert. Avoid losses when such things happen by purchasing audio equipment insurance. 

Who Will Need Audio Equipment Insurance?

Anyone who owns, sells, rents, or uses audio and sound equipment knows how expensive these can be. And if you rely on these valuables for your business to thrive, covering repair or replacement costs using your own reserves when damage or theft occurs is not an option. So let's look at the types of businesses that would benefit from sound equipment insurance.

Recording Studios

Audio equipment is essential for studios to operate. Even the most basic recording studio has expensive equipment, such as:

  • Laptops or desktop computers

  • Microphones and stands

  • Mixing board

  • Headphones

  • Studio speakers

  • Musical instruments

If any of these pieces of equipment got damaged through fire, theft, or vandalism and you don't have enough money to replace them, that would become a problem for your recording studio. Sound system insurance would come in handy should these events occur.

Musical Instrument and Audio Equipment Stores

Selling and renting musical instruments and audio equipment may be the basis of your income, so having a destructive event wipe out your inventory can shut down your business for good. However, if you have coverage, the financial compensation can restore your inventory, and your business can thrive again.

Audio/Visual Equipment Suppliers

Businesses that supply and install AV equipment for events must also protect their equipment with audiovisual equipment insurance. The protection needed is especially true if customers using it are more tech-savvy. In addition, accidents can happen at these events that damage your equipment, making av equipment insurance essential.

Musical Performers

The musical instruments and audio sound equipment that musical performers travel with from gig to gig can suffer bumps and bruises along the way. So when it's time to set up the instruments and equipment for the performance, but something is broken or doesn't work, how will you get a replacement at a moment's notice? You would be able to if you have audio visual equipment insurance.

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What Kinds of Policies Would I Need to Cover Audio & Sound Equipment?

General liability, commercial property, tools and equipment, inland marine, and business owner’s policies are what you can use as sound equipment insurance. The sections below discuss how these can help.

General Liability Insurance for Audio Equipment

CoverWallet NEXT (Best)Thimble HiscoxThe Hartford
Per occurrence limit $1,000,000$1,000,000$1,000,000/$2,000,000$300,000/$1,000,000$1,000,000/$2,000,000
Aggregate limit $2,000,000$1,000,000/$2,000,000$1,000,000/$2,000,000$300,000/$2,000,000$1,000,000/$2,000,000
Products and completed operations aggregate limit $2,000,000
Advertising injury coverage aggregate limit $1,000,000$1,000,000$1,000,000$1,000,000$1,000,000
Tenant’s legal liability coverage limit $100,000
Waiver of subrogation included?YesNoIncludedCan be includedNo
Hired/non-owned auto liability coverage included?YesNoExcludedCan be includedCan be included
Equipment breakdown floater included?No YesYesCan be includedCan be included

General liability insurance is useful if you make money by renting or leasing audio equipment to studios, performers, and other related businesses. This policy will cover costs if audio equipment causes bodily injuries or property damage. Use the table above to see which insurance company offers the best general liability insurance for audio equipment. 

In Which Situations Can You Use General Liability Insurance?

Here are some example situations where general liability insurance can help you sort things out:

  • A client got electrocuted by the audio equipment that was leased or rented from you

  • While in the possession of the client, your audio equipment caused someone to trip and fall. The person is demanding compensation for pain and suffering

  • Your audio equipment has faulty wiring. It suddenly burst in flames and damaged the property of the client

How Much General Liability Coverage Should You Carry for Audio Equipment?

You will do fine having a $1 million general liability policy. However, if you’re worried about not having enough when it’s really needed, it’s not bad to invest in a $2 million-$3 million general liability insurance. 

Commercial Property Insurance for Audio Equipment

CoverWalletNEXT (Best)ThimbleThe HartfordHiscox
Building coverage limit (minimum)$50,000$330,000$25,000/$500,000$60,000$25,000
Contents coverage limit (minimum)$50,000$35,000$25,000/$500,000$60,000$15,000
Outdoor signsExcluded$2,500ExcludedExcludedIncluded
Accounts receivable ExcludedExcluded$5,000/$10,000ExcludedIncluded
Money and securitiesExcluded$2,500$1,000ExcludedIncluded
Lock and keys Excluded$2,500ExcludedExcludedIncluded
Business interruption floaterExcludedIncludedIncludedExcludedIncluded
Equipment breakdown floaterExcludedIncludedExcludedExcludedIncluded
Inland marine insurance floaterExcludedExcluded$10,000ExcludedExcluded
Employee dishonesty floaterExcluded$5,000$2,500ExcludedExcluded

Commercial property insurance comes with a contents coverage. This contents coverage allows a commercial property policy to cover the value of speakers, microphones, headsets, and other audio equipment you own.

But note that coverage only applies when damage or loss happens, while covered pieces of audio equipment are on your business premises. Use the table above to see which insurance company offers the best commercial property insurance for audio equipment. 

What Exposures Does Commercial Property Insurance Cover?

Commercial property insurance covers your audio equipment against the following exposures:

  • Fire

  • Theft

  • Vandalism

  • Impact damage

  • Lightning

  • Sprinkler leakage

Does Commercial Property Insurance Cover Rented or Borrowed Audio Equipment?

You might need to borrow or rent other pieces of audio equipment. So if something happens to them while in your business property, can commercial property insurance help? Coverage can’t apply. It’s because you can only schedule owned audio equipment in the terms of the policy. 

Audio Tools and Equipment Insurance 

NEXT ThimbleHiscoxThe Hartford
Aggregate limit$3,000/$10,000$2,500/$5,000$15,000/$25,000$5,000-$10,000
Covers hired and borrowed equipment?$3,000/$10,000$2,500/$5,000NoYes
Miscellaneous equipment also covered?$5,000/$10,000NoYesYes
Offered as an endorsement to general liability insurance?YesYesYesYes

Tools and equipment insurance is a stand-alone policy, which you can also avail as an add-on to commercial property or general liability insurance. This will cover repair or replacement expenses if the damage or loss of audio equipment occurred outside of your business premises due to fire, theft, vandalism, electrical surge, and other covered perils. Use the table above to see which insurance company best offers this type of audio and AV equipment insurance. 

Business Owners Policy for Audio Equipment 

CoverWalletNEXT (Best)Thimble The HartfordHiscox
General liability aggregate limit $2,000,000$1,000,000/$2,000,000$1,000,000/$2,000,000$1,000,000/$2,000,000$300,000/$2,000,000
Commercial property coverage limit $50,000$330,000$25,000/$500,000$60,000$75,000
Optional policies can be added?YesYesYesYesYes
Name additional insureds for free?YesYesYesYesYes
BOP discount?YesYesYesYesYes

Recording studios, audio equipment retailers, av equipment suppliers, and musicians can benefit from BOP because this comprehensive policy covers just about every financial loss a business could, especially regarding audio equipment. Some examples include:

  • Commercial property insurance 

  • General liability insurance

  • Equipment breakdown insurance

Equipment Rental Insurance

You want to protect audio equipment against damage or loss while they’re in the possession of others. Equipment rental insurance can reimburse the value of audio equipment you own that got lost or damaged due to the following perils while they’re in the custody of the client:

  • Fire

  • Theft 

  • Vandalism

  • Mysterious disappearance

  • Breakdown

Personal Musical Instrument Insurance

Personal audio equipment insurance falls under your homeowners or renters insurance. This is because homeowners and renters insurance have a personal effects coverage where you can schedule audio equipment. 

Note that coverage only applies if loss or damage is caused by a covered peril that happened while your audio equipment is at home. In other words, homeowners and renters insurance can’t be used to cover owned audio equipment that’s not in your house.  

Inland Marine Insurance for Audio Equipment

You might need to transport the pieces of audio equipment on your own or with the help of a shipping carrier. Consider purchasing inland marine insurance in this situation. Inland marine insurance will reimburse your losses if audio equipment gets damaged or lost during the trip because of fire, theft, vandalism, negligence of the shipping carrier, vehicular accident, upset, and other covered perils.

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Audio Equipment Insurance Cost

Cost per MonthCost per YearDeductible
General liability insurance$32$384$0-$500
Commercial property insurance$39$468$1,000-$2,000
Business owner's policy$59$708$1,500
Equipment rental insurance$47$564$500-$1,000
Tools and equipment insuranceDepends on the value of items to be coveredDepends on the value of items to be covered$500-$1,000
Inland marine insuranceDepends on the value of items to be coveredDepends on the value of items to be covered$500-$1,000

The average audio equipment insurance cost is $32 per month or $384 per year for a $1 million general liability policy. Some factors that affect premiums are location, claims history, the value of items to be covered, and deductibles. Here’s another table showing the cost of a $1 million general liability insurance for audio equipment as underwritten by the best companies:

Cost per MonthCost per YearBest for
NEXT$15$180Best overall; Fastest general liability insurance for audio equipment
CoverWallet$17$204Audio equipment insurance online quotes comparison
The Hartford$20$240Audio equipment rental businesses
Tivly$23$276Comparing audio equipment insurance quotes over the phone
Thimble$25$300On-demand audio equipment insurance
Hiscox$27$324Audio equipment insurance that automatically renews every year

Compare Cheap Audio Equipment Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Best Audio Equipment Insurance Companies

Here are the best audio equipment insurance companies. Read some of the reviews below to know their pros, cons, and rate for a $1 million general liability policy.

Next Audio Equipment Insurance


  • Best overall

  • Issues an online proof of insurance instantly

  • Fastest audio equipment insurance

  • Great customer service and reputation

  • Excellent rates

  • Outstanding value for money

  • Get a 10% discount if you buy two or more policies


  • Couldn’t find any

NEXT delivers less expensive small business insurance online by eliminating the middleman. This company’s audio equipment coverage is included in its insurance package for DJs, music shops, recording studios, and other related businesses. Here’s a quick look at the available audio equipment insurance policies from this company:

  • $1 million-$2 million general liability insurance

  • $35,000 contents coverage in commercial property insurance

  • Business owner’s policy

  • $3,000-$10,000 tools and equipment insurance

Best for: Best overall; Fastest general liability insurance for audio equipment

Average cost: $15 per month

Our rating: 10/10

CoverWallet Audio Equipment Insurance


  • Cancel a coverage anytime with no charges

  • Convenient online quote comparison tool

  • Live chat with insurance agents as advisors


  • A lengthy questionnaire is required

CoverWallet is an online insurance platform that offers accessibility to versatile, affordable business insurance policies that are easy to manage in one place. Available audio equipment insurance policies from this company are as follows:

  • $1 million-$2 million general liability insurance

  • $50,000 contents coverage in commercial property insurance

  • Inland marine insurance

  • Business owner’s policy

Best for: Audio equipment insurance online quotes comparison

Average cost: $17 per month

Our rating: 10/10

The Hartford Audio Equipment Insurance


  • Tools and equipment insurance comes with debris removal coverage

  • Higher limits are available upon request

  • Has a vast experience in writing business insurance solutions


  • You might need to contact an agent for a quote on tools and equipment insurance

The Hartford is a good choice if you’re running an audio equipment rental business. It’s because this company underwrites flexible coverage for old and newly acquired sound devices. Available policies for your audio equipment are as follows:

  • $1 million-$2 million general liability insurance

  • $40,000 contents coverage in commercial property insurance

  • Tools and equipment insurance with debris removal coverage

Best for: Audio equipment rental businesses

Average cost: $20 per month

Our rating: 10/10

Tivly Audio Equipment Insurance


  • Responsive customer service

  • Compare audio equipment insurance quotes over the phone

  • A partner of many reputable insurance companies


  • You need to call to get a quote

Tivly can connect you through partners who underwrite an audio equipment insurance policy. That said, this is another company that allows you to get the needed coverage without contacting different carriers. To compare quotes over the phone, you need to call Tivly a representative and provide some details.

Best for: Comparing audio equipment insurance quotes over the phone

Average cost: $23 per month

Our rating: 10/10

Thimble Audio Equipment Insurance


  • Versatile length of time of coverage

  • Easy to use and cost-effective

  • Excellent customer service


  • You can’t reach customer service by calling

Thimble insures 120+ small business types, professions, and fields. It grants coverage to DJs, independent musicians, and other small businesses in the music industry. You can purchase the following policies for your audio equipment from this company:

  • $1 million-$2 million general liability insurance

  • $25,000-$500,000 contents coverage in commercial property insurance

  • $2,500-$5,000 tools and equipment insurance

Best for: On-demand audio equipment insurance

Average cost: $25 per month

Our rating: 9/10

Hiscox Audio Equipment Insurance


  • High Feefo reviews rating

  • Automatic policy renewal

  • Worldwide coverage

  • Fast to process claims


  • Not accredited by BBB

Hiscox’s commercial property and general liability policies come with upgrades that can be used to cover your audio equipment. Moreover, you can also decide to call a representative who will find any other insurance policies available but not offered online through the Hiscox site. Consider working with this company because it earns a high rating from Feefo reviews.

Best for: Audio equipment insurance that automatically renews every year

Average cost: $27 per month

Our rating: 9/10

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