We insure our pedal harp with Anderson Musical Instrument Insurance. It is a company that insures only musical instruments and coverage is good whether the instrument is being used professionally or for pleasure. It is my understanding that some other policies will not cover if an instrument is damaged while being used during a paying gig. We have never had to file a claim, but I’m comfortable with their coverage. They insure many orchestras worldwide. We subscribed online—just needed some photos, serial number, and valuation.