If you run or own a music shop, you will have a lot of instruments and other stock that you will need to insure, and a standard home and contents policy will not be adequate. You will need to get music shop insurance, which will cover not only the building but also, its contents, as well as protecting you should anything happen to a customer or employee. A music shop insurance policy can cover:
- Loss or damage to stock and property
- Computer breakdown
- Public liability
- Injury to employees
- Loss of earnings
- Buildings insurance
Often, you can tailor a policy to fit the needs of your individual business, and add optional extras onto the standard policy, such as theft by employees, cover for items that belong to the shop but are not on the premises, such as instruments on loan, to get all the cover you need.