Musical Instrument and Equipment Insurance


Bespoke personal service for professional musicians and exceptionally valuable instruments


Quick and easy instrument insurance for musicians of all abilities, available online

For the love of music

Nothing brings people together like music can. For more than 25 years, we’ve been helping musicians of all ages and abilities protect their instruments and equipment so they can make the world a more creative place.

Lark Music’s  Musical Instrument insurance is note-perfect – designed for people who make music happen, by people who love music. Whether you’re a professional on the world stage, a beginner with your very first instrument, or a collector, dealer, or instrument-maker, we offer flexible, cost-effective, and specialist cover that means you can play on, protected.

With the right musicians’ insurance policy in place, you’re  protected from:

• Theft
• Accidental damage
• Flood
• Fire

The most valuable instrument is the one that’s yours.
Let’s look after it.

Choose your service:

Who would benefit from this type of instrument insurance?
Who would benefit from this type of instrument insurance?

Our Signature instrument insurance includes a bespoke, personal service for professional musicians, luthiers, collectors, and dealers.

Ideal for those seeking insurance for playing in orchestras, or any other professional capacity, it’s a service designed to put your mind at ease so you can focus on playing. Similarly, those who deal, make, and restore instruments can benefit.

Talk to a specialist advisor today so that we can tailor your policy to your precise needs.

This level of insurance for musicians is ideal for hobbyists and those who play an instrument as a pastime, rather than as part of their career.

We’ll keep your instrument and equipment safe when you play, whether you’re practising at home or performing on stage. Our Essential service offers the perfect musical instrument insurance for bands that love to jam together in a more relaxed setting.

Why choose Lark Music for your instrument insurance?

At Lark Music, we know that practice makes perfect. That’s why we’re proud to offer specialist Musical Instrument insurance to suit all circumstances, based on over two decades of experience. Here’s why you can rely on us:

  • We understand the diversity of the music sector, so we can create bespoke policies for professional musicians, teachers, and hobbyists alike.
  • We’ve been adding strings to musicians’ bows for over 25 years, offering a wealth of experience along the way.
  • We take pride in handling claims quickly because we know how important it is for you to be back playing, whether for business or pleasure.
  • Our dedication to offering unrivalled service has led to us achieving a 4.9 rating from our reviews on Feefo.
  • We work with partner charities and organisations like the Independent Society of Musicians (ISM), the European String Teachers Association (ESTA), and the Young Classical Artists Trust (YCAT).
  • You can get the latest insights into the world of music using our wealth of resources covering everything from music history to more topical discussions.

Specialist Musical Instrument insurance FAQs

How does instrument insurance work?

A musical instrument insurance policy offers a safety blanket, covering you from loss, accidental damage, theft, and more. A good insurance provider will allow you to tailor your policy so that it meets your lifestyle as a musician, whether you’re seeking professional musician instrument insurance or otherwise. These subtleties are important as some policies won’t cover instruments if they’re played professionally.

At Lark Music, we offer three levels of instrument insurance: Home, National and Global . Each offers a different level of cover.

What insurance do I need as a musician?

Most musicians will reach out to musical instrument insurance companies to ensure their livelihood is protected.

Whether you play in an orchestra or a brass band, instrument insurance is crucial to ensuring you never miss a beat. And by that, we mean making sure you’re covered if your instrument becomes damaged or lost.

Alongside instrument cover, professional musicians’ insurance typically includes   if you teach or tour regularly. This protects you against possible claims made against you. Some may also consider event cancellation insurance for added protection if necessary.

Who is covered?

You could be covered with instrument insurance as:

What types of musical instruments do you cover?

Our musicians’ insurance services cover insurance for all instruments, including:

You can also get insured for musical equipment, such as microphones and speakers, as well as DJ equipment.

Do your services extend to outside the UK?

We understand the importance of being covered both in and outside the UK – and it’s a key consideration when it comes to insurance for orchestras who tour regularly. Our Global cover means that you’ll be insured under all eventualities necessary.

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