What type of coverage is needed when a band ships musical instruments for a performance?

When a band ships musical instruments for a performance, the appropriate type of coverage is trip transit insurance. This coverage specifically protects property being transported from one location to another, which in this case includes musical instruments being sent to a performance venue. Trip transit insurance safeguards against risks like theft, loss, or damage during transit.

General liability insurance covers a wide range of liabilities the band may face, such as injuries to third parties or damage to their property that occurs during the event, but does not specifically protect the musical instruments while they are in transit. Annual transit insurance provides coverage for multiple trips over the course of a year but might not be tailored to the specific trip the band is undertaking at the moment. Property damage insurance, while it sounds relevant, typically refers to damage caused to third-party property by the insured, rather than insuring property being transported. Therefore, trip transit insurance directly addresses the need for protection during the specific operation of transporting instruments for a performance.