All types of instruments, recording equipment, sound & lighting equipment, camera & video equipment, props, stage equipment and more! If you work in the entertainment industry we can insure the tools of your trade.

Your gear is automatically covered where ever it is located, any where in the world. It doesn’t matter if it’s home, on the road, at a venue, the back seat of your car, or even checked as baggage with an airline.

The policy is referred to as an "All Risk" policy. This means that unintentional damage caused by anything that is not specifically excluded will be covered. Theft, accidental breakage, fire, lightning, vandalism, damage caused by vehicles or aircraft, windstorm, water or flood damage are all covered perils. Earthquake damage is even covered.

**Subject to policy terms, limits, conditions and exclusions. See the next question.

Some exclusions include:

• Normal wear and tear/deterioration, damage from normal use.
• Faulty repairs or workmanship
• Manufacturer defects
• Damage caused by mold, rust, corrosion, mildew
• Dishonest acts by you, or those entrusted with your property (other than common carriers for hire)

Our site was designed for clients to be able to manage and maintain the list of insured items as needed at any time. The site will calculate any change in premium (pro rated to the end of the policy term) and either charge or credit the card on file, as necessary.

Our policy provides some automatic coverage for Borrowed or Rented Equipment of a type usual to your operations – up to $250,000 coverage for up to 30 days. Rentals that exceed these parameters can be accommodated with company approval at an additional charge.

You can email your xls file to Entertainment@SterlingRisk.com for processing. Please include the Application Id number in your email.

We offer the same rates and coverage to everyone, regardless of any memberships or affiliations. Our standard deductible is $500 per incident (not per item). You may select a higher deductible for a reduced premium.

The annual premium must be paid in full in order to activate coverage.

Payment can be made online with Visa, MasterCard, American Express, or Discover. Payment can also be made by check.

Once you submit an application with payment it will be reviewed by a customer service representative. Everything usually gets processed the same day. If it’s after normal business hours it will likely be processed first thing the next morning. Submissions are reviewed on weekends and holidays as well. You will receive an email confirmation with a copy of your new policy attached. If you are paying by check, coverage will be effective when payment is received in our office.

While it is advisable to have as many serial numbers listed as possible, we understand that some items may not have a serial number, it may be illegible, or difficult to find. We also understand that receipts may not always be available. It is always recommended that you keep photos or video of your gear. This can help serve as proof of ownership if needed.

The Inland Marine policy form is the type of form used by the insurance industry to include coverage while the property is in transit or ‘off-premises.’ It was originally created as an extension of Ocean Marine insurance to provide coverage from shipping docks to the final destination. You will see on Page 2 of your certificate where it specifies ‘Musical Instruments and Related Equipment.’

The value of covered property will be based on the replacement cost without any deduction for depreciation.

This policy is underwritten by Aspen American Insurance Company (an A rated insurance company)

Claims should be reported directly to Aspen via email:

inlandclaims@aspen-insurance.com

Please be sure to include:

• Policy number and named insured
• Date of Loss
• Description of loss including covered property involved

Target timing is to wrap up claims, with a check in the mail, within 24-48 hours. The time frame for any given claim is always fact specific and can depend on how long it takes to get a police report (in the event of a theft), or a written estimate for repairs (in the event of damage caused by an accident).