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Musical Instruments Manufacturers Insurance Policy Information

Musical Instruments Manufacturers Insurance

Musical Instruments Manufacturers Insurance. Companies that make musical instruments quite literally help bring music to the world - and as such, they play an important rule in culture, education, and recreation.

Musical instruments manufacturers produce a variety of products including brass, woodwinds, strings, percussion, organs, and piano. Some include sophisticated electronic equipment and may be programmable.

Manufacturers of portable instruments commonly produce specialty carrying cases made of wood, plastic, fiberglass, leather, or textiles. Manufacturing combines several processes, including electronics, metalworking, plastic molding, textile work, and woodworking.

Some manufacturers may subcontract the separate operations and simply perform the final assembly.

Within this diverse market, materials as varied as brass, wood, animal hides, bone, and plastics are used to make instruments ranging from trumpets and cellos to flutes and cymbals. Each instrument is manufactured differently, and may be crafted by hand or mass produced in large factories, depending on the intended consumers.

If you own and operate a business that manufactures or crafts musical instruments, you will, of course, strive to be successful in helping others create music. Like all other businesses, however, yours may come face to face with numerous perils that could endanger current and future earnings.

This is why it is essential to invest in musical instruments manufacturers insurance coverage that can help you recover from any loss. To discover what that may entail, keep reading.

Musical instruments manufacturers insurance protects your manufacturing business from lawsuits with rates as low as $57/mo. Get a fast quote and your certificate of insurance now.

Below are some answers to commonly asked Musical Instruments manufacturing insurance questions:

What Is Musical Instruments Manufacturers Insurance?

Musical instruments manufacturers insurance is a type of insurance policy designed specifically for companies that manufacture musical instruments. This insurance provides coverage for various risks and liabilities associated with the production, storage, and distribution of musical instruments.

Typically, this insurance includes protection against property damage to the manufacturing facilities and equipment, liability protection in the event of product defects or injury caused by the instruments, and coverage for business interruption in the event of a covered loss. Additionally, the insurance may also provide coverage for legal fees, customer lawsuits, and other related expenses.

The specific coverage offered by musical instruments manufacturers insurance will depend on the policies and coverage options selected by the company. It is important for manufacturers to work with an insurance agent or broker to assess their unique risks and needs, and to select a policy that provides comprehensive coverage for their operations.

How Much Does Musical Instruments Manufacturers Insurance Cost?

The average price of a standard $1,000,000/$2,000,000 General Liability Insurance policy for small Musical Instruments manufacturing businesses ranges from $57 to $79 per month based on location, size, revenue, claims history and more.

Why Do Musical Instruments Manufacturers Need Insurance?

Insurance For Manufacturers

Companies that make musical instruments need to carry adequate insurance for the simple reason that accidents and other unforeseen circumstances cannot always be prevented, no matter how hard you try.

In the event that your business falls victim to one of the many risks common to all commercial ventures, or one more specific to your industry, the right insurance will help you recover from the associated costs.

All companies are, for instance, vulnerable to acts of nature. An earthquake, wildfire, serious flood, or hurricane can undo much of your hard work almost overnight - not only can your manufacturing facility be severely damaged, all your other physical assets can, too.

Theft and vandalism are other common risks. Although you can invest in security systems, these perils can never be completely prevented.

You will also want to consider the possibility that an employee could become injured in the workplace, leaving you with the resulting costs unless you are properly insured. Should someone who does not work for you sustain an accident on your premises, you may be held liable as well.

Obtaining the insurance coverage your company needs to protect it from all major perils may be a challenging process to navigate, but armed with musical instruments manufacturers insurance coverage, you will have the peace of mind you need to focus on taking your company to the next level.

What Type Of Insurance Do Musical Instruments Manufacturers Need?

Companies that manufacture or craft musical instruments will require several different types of insurance to shield them from the risks they face.

The location and size of your manufacturing facility, the types of raw materials you work with, the value of your manufacturing equipment or tools, and your number of employees all play a role in determining your exact musical instruments manufacturers insurance needs.

While a commercial insurance agent is best placed to guide you through the process step by step, companies making musical instruments will strongly want to consider:

  • Commercial Property: Like other companies with physical assets, your facility and everything inside it may be hit by disastrous events like burglary or fire. Even the bursting of a pipe has the potential to cause serious damage. Commercial property insurance protects your company from financial losses resulting from many kinds of damage to your physical property.
  • Commercial General Liability: This broad kind of musical instruments manufacturers insurance coverage is designed to shield you from the legal and settlement costs that can follow if someone sues your business alleging that you caused bodily injury or property damage.
  • Product Liability: Because not all liability-associated costs fall under a general liability policy, you may also want to consider product liability insurance. This type of coverage protects you in the event that a musical instrument you produced causes injury or property damage to someone else.
  • Workers' Compensation: Another essential type of insurance, workers' compensation insurance protects you from litigation as it covers the medical bills and any lost wages of employees who become injured in the workplace.

While these types of musical instruments manufacturers insurance are among the most important, companies in this industry may have some additional needs - including commercial auto insurance - as well.

Because your insurance needs are as unique as your business, it is vital to consult a commercial insurance agent to help you evaluate how to best protect your company.

Musical Instruments Manufacturing's Risks & Exposures


Premises liability exposures are normally low as access by visitors is limited. If the manufacturer has a showroom, customizes instruments, or offers demonstrations, visitors may be injured by slips, trips, or falls.

Fumes, dust, and noise from woodwork or metalwork could pose a nuisance hazard to neighbors. Off-premises exposures may include installation of large custom-made instruments such as organs.

Products liability exposure is generally low. For electronic instruments, customers may be injured by shocks unless there are warnings emphasizing the need for grounding and that the instrument should not be played when it is wet.

Instruments designed for young children require a higher degree of quality control due to the potential for misuse. All government safety standards must be met.

Environmental impairment exposure can be light to high, depending on the materials and processes used and the types of waste that are produced. For brass, the raw materials may be toxic. Plastics and fiberglass may be toxic and are flammable, the catalysts may be caustic, and the final product is usually not biodegradable.

Contaminants from the chemicals, paints, and solvents used in metalworking and woodworking processes can pollute the air, surface or ground water, or soil. Disposal procedures must adhere to all EPA and other regulatory standards.

Workers compensation exposures can be very high. Injuries from production machinery are common, as are burns, cuts, puncture wounds, slips, trips, falls, and foreign objects in the eye, hearing impairment from noise, repetitive motion injuries, and back injuries from lifting. Workstations should be ergonomically designed.

There should be safety training, protective equipment, and guarding of machines. Areas that generate dust from metal or woodwork, or use spray-painting, require respiratory protection devices, eye protection, and eye wash stations.

Flammable liquids and chemicals can cause skin irritation, eye irritation, and possible long-term occupational disease. Workers must be made aware of the potential side effects of the ingredients they work with, including long-term occupational disease hazards, so they can recognize symptoms and obtain treatment as early as possible.

Sales representatives carrying precious gems or metals may be injured or killed in holdups.

Property exposures consist of an office, plant or shop, and warehouse for raw materials and finished goods. Ignition sources can include electrical wiring, heating and cooling equipment, production machinery, and dust explosions. Hazards depend on the type of instruments manufactured.

Production of brass instruments includes metalworking hazards, exposure to metal dust, flammable liquids needed for polishing, and lacquer for finishing.

Woodwinds, stringed instruments, and pianos will have woodcutting, boring, sanding, and staining or varnishing exposures. Finishing includes the use of metal hardware, wire or nylon strings, and bone or plastic parts.

Wood and metal may be painted by spray or in dip tanks. Spray-painting operations can cause a fire unless carried out in spray booths with explosion-proof electrical components. Manufacturing of drums and percussions combine metalworking and woodworking exposures, plus plastic or skins for the heads. Electronic components may be highly susceptible to damage by dust, static electricity, and changes in temperature or humidity.

Finished instruments are highly susceptible to damage from fire, smoke, dust, and water.

High-valued instruments may be targets for theft. Appropriate security controls should be taken including physical barriers to prevent entrance to the premises after hours and an alarm system that reports directly to a central station or the police department.

Equipment breakdown exposures include malfunctioning production equipment, dust collection and ventilation systems, electrical control panels and other apparatus. A lengthy breakdown of production machinery could result in a severe loss, both direct and under time element.

Crime exposures are chiefly from employee dishonesty and theft of money and securities. High-end musical instruments may be targets for theft. Employees may act alone or in collusion with outsiders in stealing money, raw materials such as precious metals or exotic woods, or finished stock. Background checks should be conducted on all employees.

There must be a separation of duties between persons handling deposits and disbursements and handling bank statements. Appropriate security controls should be taken including physical barriers to prevent entrance to the premises after hours and an alarm system that reports directly to a central station or the police department.

Inland marine exposures include accounts receivable if the manufacturer offers credit, computers (which may include computer-run production equipment), exhibitions, goods in transit and valuable papers and records for customers' and suppliers' information. Raw stock and work in process may be transported between different buildings or locations.

If precious metals are used in the process, a separate jewelers block policy will be needed due to theft limitations in standard property forms. The primary causes of loss are fire, theft, collision, overturn, and water damage.

If work is done on customers' property, bailees coverage should be considered. An installation floater may be needed if the manufacturer installs pipe organs.

Commercial auto exposure may be high if the manufacturer transports raw materials or finished products. Manufacturers generally have private passenger fleets used by sales representatives. There should be written procedures regarding the private use of these vehicles by others.

Drivers should have an appropriate license and an acceptable MVR. All vehicles must be well maintained with documentation kept in a central location.

What Does Musical Instruments Manufacturers Insurance Cover & Pay For?

Musical Instruments Manufacturers Insurance Claim Form

Musical instrument manufacturers can be sued for various reasons, including but not limited to product liability, intellectual property infringement, and breach of contract. Insurance policies can protect these manufacturers by covering the legal fees, settlements, and judgments associated with lawsuits. Here are some examples of potential lawsuits and how insurance can help:

Product Liability: A manufacturer may be sued if their instrument causes injury to a user due to a design, manufacturing, or marketing defect. For example, if a guitar string snaps and injures a musician's finger, the manufacturer may be held responsible.
Insurance Solution: Product Liability Insurance can help cover the costs of legal defense, settlements, or judgments if the manufacturer is found liable for the injury caused by their product.

Intellectual Property Infringement: A manufacturer might be sued for allegedly copying the design or technology of another company's musical instrument. For instance, if a company claims that a new keyboard design infringes on their patented technology, they may file a lawsuit.
Insurance Solution: Intellectual Property Insurance can help cover the legal costs of defending against infringement claims, as well as any settlements or judgments that result from the lawsuit.

Breach of Contract: A manufacturer may be sued for failing to deliver products as promised or not meeting the terms of a contract. For example, if a retailer sues a manufacturer for not providing the agreed-upon number of instruments, the manufacturer could be held liable.
Insurance Solution: Commercial General Liability Insurance (CGL) often includes coverage for breach of contract claims. This coverage can help pay for legal defense, settlements, or judgments resulting from a breach of contract lawsuit.

Employment Practices Liability: Manufacturers can be sued by current or former employees for wrongful termination, harassment, or discrimination. For example, if an employee claims they were fired due to their age or gender, they may file a lawsuit against the manufacturer.
Insurance Solution: Employment Practices Liability Insurance (EPLI) can help cover legal costs, settlements, or judgments resulting from employment-related lawsuits.

Defamation or Slander: A manufacturer may face a lawsuit if they make false or harmful statements about a competitor or their products. For instance, if a manufacturer claims that a competitor's instrument is of poor quality without any factual basis, they could be sued for defamation.
Insurance Solution: Commercial General Liability Insurance (CGL) typically includes coverage for personal and advertising injury, which can help pay for legal defense, settlements, or judgments related to defamation or slander claims.

By having appropriate insurance coverage, musical instrument manufacturers can protect themselves financially from various types of lawsuits and focus on growing their business.

Commercial Insurance And Business Industry Classification

Description for 3931: Musical Instruments

Division D: Manufacturing | Major Group 39: Miscellaneous Manufacturing Industries | Industry Group 393: Musical Instruments

3931 Musical Instruments: Establishments primarily engaged in manufacturing pianos, with or without player attachments; organs; other musical instruments; and parts and accessories for musical instruments.

  • Accordions and parts
  • Autophones (organs with perforated music rolls)
  • Banjos and parts
  • Bassoons
  • Bells (musical instruments)
  • Blowers, pipe organ
  • Bugles and parts (musical instruments)
  • Calliopes (steam organs)
  • Carillon bells
  • Cellos and parts
  • Chimes and parts (musical instruments)
  • Clarinets and parts
  • Concertinas and parts
  • Cornets and parts
  • Cymbals and parts
  • Drummers' traps
  • Drums, parts, and accessories (musical instruments)
  • Electric musical instruments
  • Electronic musical instruments
  • Flutes and parts
  • Fretted instruments and parts
  • Guitars and parts, electric and nonelectric
  • Harmonicas
  • Harps and parts
  • Harpsichords
  • Heads, banjo and drum
  • Mandolins and parts
  • Marimbas
  • Mouthpieces for musical instruments
  • Music rolls, perforated
  • Music stands
  • Musical instrument accessories: e.g. reeds, mouthpieces, stands, traps
  • Musical instruments, including electric and electronic
  • Oboes
  • Ocarinas
  • Octophones
  • Organ parts and materials, except organ hardware
  • Organs, all types: e.g., pipe, reed, hand, street, barrel, electronic,
  • Percussion musical instruments
  • Piano parts and materials, except piano hardware
  • Pianos, all types: e.g., vertical, grand, spinet, player, coin-operated
  • Piccolos and parts
  • Saxophones and parts
  • Stringed musical instruments and parts
  • Strings, musical instrument
  • Synthesizers, music
  • Trombones and Parts
  • Trumpets and parts
  • Ukuleles and parts
  • Vibraphones
  • Violas and parts
  • Violins and parts
  • Woodwind and brass wind musical instrument
  • Xylophones and parts
  • Zithers and parts

Musical Instruments Manufacturers Insurance - The Bottom Line

Not all Musical Instruments manufacturers insurance policies are the same. You can learn if your business has the best fit insurance policies by talking to an experienced commercial insurance broker.

Often they are able to save you on premiums and offer you better policy options than you currently have.

Additional Resources For Manufacturing Insurance

Learn all about manufacturing insurance. Manufacturers face many unique risks such as product libility and/or product recall exposures due to the nature of their business operations.

Manufacturing Insurance

The manufacturing industry is a vital part of the economy and plays a significant role in the production of goods and services. However, it is also an industry that is prone to risks and accidents, which can result in costly damages and lawsuits. Therefore, it is essential for businesses in the manufacturing industry to have insurance to protect them against potential losses.

Business insurance can cover a wide range of risks, including property damage, liability, and worker injuries. For instance, if a fire were to break out in a manufacturing facility and destroy equipment or inventory, commercial insurance could cover the costs of replacing or repairing the damages. Similarly, if a worker were to be injured on the job, business insurance could cover medical expenses and lost wages.

In addition to protecting against physical damages, insurance can also provide financial protection against legal liabilities. If a customer were to sue a manufacturing business for a faulty product, the commercial insurance could cover the costs of legal fees and settlements.

Overall, insurance is essential for the manufacturing industry as it helps to mitigate risks and protect against unexpected costs. Without it, businesses in the industry could face financial ruin in the event of an accident or lawsuit.

Minimum recommended small business insurance coverage: Building, Business Personal Property, Business Income with Extra Expense, Equipment Breakdown, Employee Dishonesty, Accounts Receivable, Computers, Goods in Transit, Valuable Papers and Records, General Liability, Employee Benefits Liability, Environmental Impairment Liability, Umbrella Liability, Hired and Non-owned Auto Liability & Workers Compensation.

Other commercial insurance policies to consider: Earthquake, Flood, Cyber Liability, Employment-related Practices Liability, Business Auto Liability and Physical Damage and Stop Gap Liability.

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