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The low down on equipment and gear cover

Tip Published Tuesday 11 October 2022

Marsh is the Principal Risk Partner and has worked with APRA AMCOS directly to provide insurance solutions built to support musos.

APRA AMCOS members can search policies for varying budgets online via our easy to compare solutions, and be covered in minutes.

Underpinned by a team who have 60+ years of experience working within the entertainment sector, Marsh can also help you arrange tailored insurance solutions.


It’s a common assumption that if you’ve got Home & Contents cover then you’ve got cover for your equipment.

This may not be the case if your Home & Contents policy is likely to have restrictions on limits and locations outside of the home and might even exclude damage to your equipment if you’re using it to earn an income. The venue you’re using may not likely have an insurance policy that will help you out either.

Did you know? You can also get insurance for equipment that you hire.

Ask yourself, does the insurance protect you from:

  • Accidental damage & theft
  • World-wide cover (includes in transit and storage)
  • Emergency Hire Cost – Up to 25% of your sum insured can be used for emergency hire costs
  • Hired/Borrowed equipment cover – Cover for when your hire gear
  • Does it include a low excess?
  • What other benefits does it offer?

This insurance policy can be ideal for the aspiring artist just starting out, or for a band who travels the world!

Learn more and buy online

Marsh Pty Ltd (ABN 86 004 651 512, AFSL 238983)(“Marsh”) arrange the insurance and is not the insurer. The Liability covers arranged are underwritten by Chubb Insurance Australia Limited (50%) & Allianz Australia Insurance Limited (50%) trading as Allianz Global Corporate & Specialty – Pacific through SLE Worldwide Australia Pty Limited. The equipment cover is underwritten by Allianz Australia Insurance Limited trading as Allianz Global Corporate & Specialty – Pacific through SLE Worldwide Australia Pty Limited. The Personal Accident Insurance is underwritten by Chubb Insurance Australia Limited through SLE Worldwide Australia Pty Limited. Marsh acts under a binding authority from the insurer(s) and their agents when arranging this cover and not for you. This publication contains general information, does not take into account your individual objectives, financial situation or needs and may not suit your personal circumstances. For full details of the terms, conditions and limitations of the covers and before making any decision about whether to acquire the product, refer to the specific policy wordings and/or Product Disclosure Statements available from Marsh on request. The relevant Target Market Determination (TMD) can be found on the insurer’s website. Marsh makes no representation or warranty concerning the application of policy wordings or the financial condition or solvency of insurers or re-insurers. Marsh makes no assurances regarding the availability, cost, or terms of insurance coverage.

Marsh Pty Ltd. One International Towers Sydney, 100 Barangaroo Avenue, Sydney, NSW Australia 2000