Questions: Guitar Insurance

by Cyndy Burton

Originally published in American Lutherie #82, 2005

Garrett Burton of Portland, OR asks:

I’m planning to pick up repair work from guitar stores and work in my home shop. I’ve been told I need insurance for the guitars when they are in my possession as well as liability insurance. What can I expect to pay per month?

Cyndy Burton (no relation) of Portland, OR responds:

The only business insurance I’m aware of designed for musical instrument businesses is Heritage Insurance Services (215-322-8705; his@heritage-ins-services.com; www.heritage-ins-services.com/national.htm). The cost will depend on many factors, but in my experience, it is reasonable and well worth it.