Claims

For the most detailed information about how to report any type of claim — Studio, Tour, Special Event or other — please refer directly to your policy for underwriter contact information.

If your claim concerns a policy that is not our Instrument & Equipment or Classical Instrument floater policy, please call 1(800)MUSICPRO. Press the option for claims or 516-487-0300 and ask to be connected to the Claims Deptartment.

The following information specifically refers to our Instrument & Equipment policies.

To send a question directly to a Customer Service Representative about a claim, please log in to “My Account” and select “Claims” or call 1(800)MUSICPRO.

Instrument & Equipment

In order to have an Instrument & Equipment claim handled as quickly as possible, any new claim should be reported in one of the following ways:

  • Call 1-888-FIREHAT (1-888-347-3428), available 24/7.
  • Fax the loss to Fireman’s Fund at 1-888-323-6450.
  • E-mail your claim to Fireman’s Fund at FPMarine@ffic.com.

If you do not receive a confirmation within 48 hours that your loss was received, please contact Fireman’s Fund at 1-888-347-3428 to make sure the loss was processed. You can also contact Fireman’s Fund at this number to answer any questions you may have regarding a claim.

If an Instrument & Equipment claim does occur, the following guidelines should help you through the claims process.

Please note: All losses have a $100 deductible per claim, not per item.

All Losses

  1. Submit a statement that includes the address, location, date of claim, itemized list of equipment for which you are claiming, and an explanation of how the loss occurred.
  2. An estimate or repair bill must be submitted for each piece of equipment damaged, and this must be obtained from a certified repair shop. The name, address & phone number of the shop and serial number of the item, if any, must be on the receipt.
  3. If an item is damaged beyond repair or will cost more to fix than you have it scheduled for, this is considered a total loss. The shop that is appraising the damage must note it as a total loss with the amount it would cost to have it repaired.
  4. All losses need replacement estimates. This can be from any source you will be purchasing your replacement item from, such as a store, an ad, or the Internet.
  5. If you do not have original bills, receipts, or purchase orders, please advise on where, when, and for how much you purchased the item.
  6. It is critical that all claims be reported immediately. Failure to report a claim promptly can result in a breach of policy conditions, resulting in a lack of coverage.

THE FOLLOWING STEPS WILL NEED TO BE TAKEN, IN ADDITION TO THE ABOVE STEPS, IN THE EVENT OF THE FOLLOWING CLAIMS:

Thefts/Misplaced Items/Fire Losses

  1. If an item is stolen or misplaced, a police report MUST be filed. A list of all missing items needs to be included, along with serial numbers, if any. If you are not able to obtain the report immediately, please submit the police report number, along with the precinct and phone number. The actual report will still be needed.
  2. If the loss was due to a fire, a fire report should be submitted.

Airline Loss

  1. Submit the airline & flight destination and a copy of the stub, if available.
  2. Submit a copy of any complaint that was written to the airlines.

Customer Quotes

"I was very impressed. I've recommended you to all of my friends. Thank you for your great work!"

— Eric P. (August 2006)

Insurance Partners


  • Fireman's Fund Insurance Company
  • Sterling & Sterling, Inc.
  • The Hartford
  • eHealthInsurance
  • The Prudential Insurance Company of America