The musical Equipment and Instruments under this policy are covered under an Inland Marine coverage form. Meaning, the coverage is included while in your studio/office/home for storage, while in transit* to and from your gigs, and while being used away from your premises anywhere in the world**
Note that there is no coverage for property while rented, leased or loaned to others;
* The policy contains a Theft from an unattended/ unlocked Vehicle exclusion that reads as follows:
We will not cover loss by theft or pilferage that occurs while covered property is left on or in an unlocked and unattended container, compartment, vehicle or trailer. We will cover theft of property from a locked container, compartment, vehicle or trailer when there are visible signs of forced entry. This exclusion will not apply while covered property is in the care or custody of a common carrier.
** Coverage is included anywhere in the world with the exception of any country or jurisdiction which is subject to trade or other economic sanction or embargo by the governments of Canada or the United States of America.