Business Insurance for Music Stores

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Musical Instruments
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Why do music stores need insurance?

Your customers often need to play instruments before they know which one to buy. That means high risks for your small music shop. Business insurance helps cover costs when a customer drops a guitar, or trips over equipment in your store. Some policies, like workers' comp, are required by law.

Guitars, speakers, and a mixer on display at a music store.
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Find the right coverage

Insureon's licensed agents help music store owners find insurance coverage that matches their unique risks.

Fill out our free online application to compare quotes from top-rated providers.

What types of business insurance do music stores need?

These insurance policies cover the most common risks of music stores.

Business owner’s policy icon

Business owner's policy

A business owner's policy, or BOP, is a cost-effective way for music stores to buy general liability coverage and commercial property insurance together.

BEST FOR
  • Customer lawsuits
  • Stolen or damaged musical instruments
  • Business interruption coverage
General liability insurance icon

General liability insurance

A general liability policy covers basic third-party risks, such as a customer who sues your shop after tripping over an audio cable. Combine it with property coverage in a BOP for a discount.

BEST FOR
  • Customer bodily injuries
  • Customer property damage
  • Product liability insurance
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for music stores with employees. It also helps sole proprietors pay for medical bills from work-related injuries, which health insurance could deny.

BEST FOR
  • Employee medical expenses
  • Disability benefits
  • Employee injury lawsuits
Cyber liability insurance icon

Cyber liability insurance

Cyber liability insurance helps music stores recover from data breaches and cyberattacks. It's strongly recommended for any business that handles credit card numbers or other sensitive information.

BEST FOR
  • Customer notification expenses
  • Credit monitoring services
  • Data breach investigations
Umbrella / excess liability insurance icon

Commercial umbrella insurance

This type of coverage boosts the policy limits on a music store's general liability, commercial auto, and employer’s liability insurance.

BEST FOR
  • Customer injury lawsuits
  • Employee injury lawsuits
  • Auto accident lawsuits
Commercial auto insurance icon

Commercial auto insurance

Commercial auto insurance covers the cost of accidents involving your musical instrument store's van or other vehicle. Each state has its own requirements for auto liability coverage.

BEST FOR
  • Property damage caused by your vehicle
  • Injuries from an auto accident
  • Vehicle theft and vandalism
Looking for different coverage? See more policies.

How much does insurance cost for retail stores?

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A small business with a few employees will pay less for insurance than a large music store.

Factors that affect the cost of insurance include:

  • Retail products and services offered
  • Business equipment and property
  • Business income and size
  • Type of insurance purchased
  • Policy limits and deductibles
View Costs

How do I get music store insurance?

It's easy to get insurance protection for your music store if you have your company information on hand. Our application will ask for basic facts about your shop, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

Insureon's licensed insurance agents work with top-rated U.S. carriers to find coverage that matches the unique risks of the retail music industry, whether you work independently or hire employees.

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