Small Business Insurance That is Competitively Priced and That Provides the Gold Standard in Protection in 3 Fast and Easy Steps

• Get instant online Quick Quote premium indication in about 3 minutes.
• Request phone call from experienced insurance agent to finalize your formal proposal.
• Accept proposal and your coverage confirmation may be emailed in minutes.

These establishments provide on-site musical instrument repair services for customers. They may repair guitars, pianos, string instruments and wind instruments, to name a few. These repair shops may also sell musical instruments and parts and offer other services such as instrument cleaning.

General Liability Insurance for Musical Instrument Repair Shops – If customers visit musical instrument repair shops, there is a chance they will be injured if the area is not in good condition or hazardous. Work areas should be physically separated from the visitor areas and obvious signage should be used indicating “Employees Only”. If retail space is provided, the merchandise should be carefully displayed in order to prevent tip over hazards or toppling merchandise. If repair shop workers visit customers’ homes to repair larger instruments such as pianos, there is a chance they could damage customers’ properties. In addition, repair shops could be liable if instruments are not repaired correctly and cause an injury or property damage to customers.

Workers’ Compensation Insurance for Musical Instrument Repair Shops – Workers in musical instrument repair shops may suffer from injuries while repairing or lifting musical instruments. Employees should be trained proper lifting techniques in addition to the proper use of any necessary lifting equipment. Types of injuries include cuts, burns and back injuries.

Business Auto Insurance for Musical Instrument Repair Shops – If musical instrument repair shop workers visit customers’ homes or workplaces to repair instruments or offer pick-up and delivery services, then automobile accidents are a concern. Company vehicles should be serviced often and should remain in good repair.

Property Insurance for Musical Instrument Repair Shops – Musical instruments and repair equipment  are subject to loss in these repair shops due to theft or fire. Musical instruments and repair shops may have antique and/or valuable instruments in their possession and may be held liable by their customers in the event of a loss. Fire extinguishing systems and smoke alarms should be in place to reduce the loss potential at musical instrument repair shops.

Crime Insurance for Musical Instrument Repair Shops – Employees of musical instrument repair shops have the potential to steal money from their employer or musical instruments from their customers. If monitoring procedures are not in place for financial activities, this risk is elevated. Inventory should also be audited often in order to prevent employee theft.