Music Gear Insurance Ensure That Your Asset Is Safe Under All Circumstances

For a true musician there is nothing as painful as news of misplacement or damage of his/her much adored instrument. Especially when the instrument is highly valuable or is of limited edition, the pain and the grief magnifies enormously as such musical gears are not that easy to be substituted. If you glance around you will hear stories about losing drum, flute and other exclusive instruments being stolen from an unattended tour van, or even being damaged due to the casualness of the reckless baggage supervisor at the airport.

In Music fraternity such happenings are quite common and a regular affair; and as a musician you have to keep on moving and entertain your friends, followers and admirers. This is the reason insurance vendors have introduced Music Gear Insurance and gives you some comfort at the time of pain; though there is no solution for the amount of emotional loss that you have suffered. You can request your vendor to take care of inclusions and exclusions.

Tunes and rhythms generated by different kinds of instruments are different; and this is the reason you will find all set of instruments being played in an orchestra. Different instruments means different type of insurance packages; and this will definitely prove to be costly at times. Often there is an overlap of clauses, and it means extra payment against premiums. Here, comes the creative aspect of insurance vendors. In order to give an ease to orchestras and ensembles, most of the Music Insurance providers offer adapted plans under Orchestra Insurance; where leads of orchestras and ensembles can acquire an insurance plan for entire set of instruments and equipments used by them through a single insurance policy. Such an arrangement is helpful for these leads, as this gives them an ease to manage their financial affairs under one paper instead of managing heap of papers (individual insurance for individual instrument). As a result they can pay attention in attaining the finesse in the performance of orchestra. It is better to update the insurance provider about the amount of travel you take along with your troupe so that he can analyze the risk factor and fix premiums accordingly.

Whether you are planning to acquire security coverage for your entire set of equipments from fresh or willing to upgrade the level of the plan, you need to find a vendor that has a niche in tendering such services. Make sure to pick a one that has a strong stature among music professionals (including amateur and professional lot); as it is easy to verify the credentials of the established insurance providers. Do an extensive research of insurance firms, and before zeroing down; always take a feedback from fellow musicians that whether the company is offering the kind of insurance plan which is required by you. A careful and attentive research will help you, not only in securing your prized possession, but also much required peace of mind that is of utmost importance for a creative artist.

Music Studio Coverage How Does It Help?

Music sector has undergone a remarkable and a dramatic transformation in recent times; and progressively one can make out the growing passion among this generation to enter this fraternity in some or other. One can find the large arrival of professionals, in this vivid field, and these entrants are struggling hard to make their presence felt. And all of these strugglers are well aware about the variety of risks that they have to face on a day to day basis in this sector. Whether they are performing on the stage or training the novice learners or even doing a rehearsal for the upcoming musical event, these professionals whether amateur or seasoned performer, all have to encounter the adversaries of their own level during their course of action.

At times, the fresher of this field are not aware about the alternatives available regarding the safety and security of their prized possessions; and as these gadgets are fragile and in case of some adversary happens leave them disheartened, and there are moments when talented professionals have to quit their passionate field due to lack of their awareness. Music Instruments are quite delicate, and especially when you are a fresher, you can hardly replace or repair your instrument every now and them. Even for some professionals giving a music classes on weekends can be a source of living for them and their family.  Thus acquiring Music Equipment Insurance is quite essential for them; otherwise the after effects can be quite traumatizing for them.

For a Music Studio Owner, his music studio is his life; and he has invested in this venture to get adequate returns. Apart from recording and rehearsing in the studios, he might be running music classes too, so that extra bucks can be earned. All of us know very well that recording studios are the house to some of the most sophisticated and exclusive instruments, that can be supposed to be a onetime investment. In case, either of the music gear get dents or is been damaged due to mishandling during a rehearsal can prove to be quite heart breaking for the owner of the studio. There can be chances of loss to the equipments and other related tools due to the natural disaster; and here Studio Coverage can act as a savior.

With growing activity in the music fraternity, a number of recording studios are increasing with each passing day. Keeping this in mind, insurance vendors who have niche in planning insurance policies for music professionals of all orders offer a variety of plans; as a result the personalized requirements can be dealt with easily. After all, for all music professionals and all other experts related to this sector their passion is their life.

Most of these performers and studio owners are quite fanatical about their assets; and a single dent makes them restless. Established insurance firms work round the clock; and this gives you an ease to connect them for acquiring a plan of your choice. Through their experts, these vendors are there to guide you for the right kind of plan so that you can secure your professional existence.

Musicians Coverage: Factors That Should Be Kept In Mind

Parting with your hard earned take- home- profits is something that no one really enjoys; and it is one of the basic explanations behind lack of concern and response towards Musicians Coverage amidst all set of professionals having their wings in music and entertainment fraternity. On the other side, they do agree that having an insurance coverage besides them become a blessing for their financial and professional presence at the time of adversity.

You can either be a professional, a semi professional or even an amateur musician; it hardly matters in this deep and wide fraternity. You might be either performing in huge concerts and live shows or even playing gigs along with fellow members in a local band; the only factor that matters in this delicate and fragile fraternity is an all encompassing insurance policy. As this is the only means that will certainly come to your rescue during difficulties or unanticipated turn of events.

After this brief opening, if you still have reservations about having any sort of insurance for music fraternity, in the coming paragraphs, you can go through some solid reasons that will make you think about acquiring Musicians Coverage without even a second thought. There are plans and policies that not even cover musicians, but also take care of musical instruments.

Take a look on some of the worst scenarios that can ruin your career and financial resources as well:-

Damage or Loss of the Musical Equipments

The only valued and cherished object in a life of a musician is his music equipment. These instruments are quite delicate and frail; besides have quite premium rates too. If handled carelessly gets smashed, which is both emotionally and financially distressing for the owner of the music instrument. Especially when you are the owner of music studio where ranges of expensive and classy instruments are housed, loss due to the natural disaster or theft, it will take considerable time to stand back on professional grounds. Besides, at times it is difficult to cope with the financial loss due to damage of these instruments. Most of the policies and plans for music fraternity are comprehensive in nature; and if you have acquired Music Studio Coverage as soon as you have started with a studio venture, insurance providers will take care of all odd circumstances that come in your way of success.

With a comprehensive package by your side, recording studio owners should be relaxed, as the insurance providers will take the losses occurred on the financial front. Whether it is a question of acquiring a new instrument against the damaged one or it is the repair costs, insurance vendors through whom you have picked the policy bore the expenses.

Corporal Injury to the Musicians In recording Sessions

While recording session is going on, and some heavy equipment falls on one of the members of the troupe, and he sustains fatal injuries. In either case, it is you as a recording studio owner who has to take care of the medical bills. With Recording Studio Coverage from an established centre, you can deal with all financial issues effortlessly.

Music Instrument Insurance Offers More than Just Monetary Compensation

The music scene has got competitive in the last two decades. The struggle for musicians and those associated with other professions in the music industry is at an all-time high. But at the same time there are more opportunities even for upcoming artists to perform at concerts, college gigs and even private parties. Whether you are one of the most sought after artists or one who offers music lessons at home, you need to adopt a professional approach in how you go about your business. It is important for you to protect yourself against the risks and hence you need to buy music instrument insurance.

The moment we talk about music equipment insurance, most musicians and event manager look at it purely from the angle of monetary compensation. Yes, an insurance plan is meant to offer you financial protection against all risks but their utility extends much beyond that. This thought process is also a result of what most other types of insurance plans offer us. But for musicians the risks are unique and so are the needs and hence you need plans that not only compensate you financially in the event of loss or damage but also help you deal with the immediate consequences of losing an instrument.
 
The Psychological Advantage

How often have you spent anxious hours while travelling wondering how the handling crews are dealing with your precious instruments? If you are regularly on the road of travel to perform, this is something that you would experience. You fear the loss and damage to your instrument and this anxiety can often affect your performance when you arrive at the show. A comprehensive plan would offer you psychological respite from this anxiety. When your mind is aware of the financial protection you have, it is always at peace. Musical instrument insurance covers all such risks such as damage on-stage, thefts and damages during transit and would help you deal with such situations.

Protection from Liability

There is no end to fixing liability in the event of mishap. Did you know if you are playing in a concert and there is injury to some of the fans due to violence or stampeded, you can be held liable to such incidents? Many musicians have got themselves entangled into such liability claims in the absence of an insurance plan that protects them against this risk. Also if you impart lessons to students at home, there is always the risk of liability should anything happen to your students while they are at your premises taking lessons from you. Apart from the legal consequence, such incidents earn you bad press especially in the day and age of social media and can dent your reputation. A music insurance plan would protect you from any kind of third-party claims arising out of damages and insurance at your studio or during your event.

It thus becomes extremely important for you to find the right insurance company that would offer you a tailored plan meeting all your risks at the most affordable prices.

How Cello Insurance Offers Adequate Cover To The Musicians

Have you protected your musical instrument against all risks? Like most musicians, there is a lot of attachment that you would share with your cello or any other instrument you play. But there are possibilities that the instrument may be stolen or suffer a damage. In such cases cello insurance not only offer you little emotional comfort but also help you deal with the financial burden of repairs or replacing the instrument.

Home Insurance Isn’t Enough
   
There is a misconception among the musician fraternity that their musical instruments can be covered under the home insurance plan and there is no need to buy a specialized plan to protect their instruments. The fact is home insurance plan offer the same coverage to your instrument as they offer for your coffee table! They don’t cover the risks associated with playing your cello or other instrument at a concert or offering music lessons to your students. A comprehensive cello insurance plan would take care of all the risks that a professional or an amateur musician has to face on any given day and offer protection for the same.

Be Careful With The Coverage
    
When insuring your cello or buying any other insurance plan you must always plan for the worst case scenario where you lose the instrument or it is damaged beyond repairs. It is all the more important for those who earn their living playing these instruments. The insurance plan should cover the total replacement cost of a new instrument irrespective of the age and condition of your instrument. The insurance plan must have a ‘new for old’ replacement clause as this protect you against the financial hurdles that you would otherwise face in buying a premium product. If you own an item that is of vintage value you must get it appraised before you go out to buy a plan as their valuations are often pretty dynamic.

Buy a Plan for Your Needs
   
If you thought that there is a ‘one size fits all’ insurance plan that would protect your cello, you are misinformed. The needs of an amateur musician are quite different from one who tours different parts of the world to mesmerize audiences. Similarly a music instructor or one who plays only during recordings would have different needs from an onstage performer. Thankfully music insurance companies are offering tailored plans that are meant to suit an individual’s style and needs. Hence to get comprehensive protection for your instrument you must make the agent or representative of the company of your exact needs and they would guide you to the right plan.

To sum up there are a number of companies that offer you specialized music insurance plans and hence you must be extremely choosy. Ensure that the company enjoys a strong reputation in the musician fraternity. You can also ask for suggestions and referrals from your colleagues and fellow musicians who have insured their instruments in the recent past. Carefully take note of the inclusions and exclusions in the plan before signing the dotted line.

Factors That Should Be Taken In Account When Acquiring Brass Instrument Insurance

As an instrumentalist you might be quite passionate about your instruments; and the same stands true for the owner of the recording studio. To one side, it is the monetary quotient, on the other side it, is a sentimental value attached to any of the possession we have; and in case your passionate belongings i.e. your instruments are either lost or have encountered some sort of damage can make you worried and distressed. Though little can be worked upon the sentimental value you have with the musical instrument, you can take care about the financial part by insuring them with a correct plan. You can find a heap of insurance firms that put forward a wide range of insurance products that range from Music Studio Insurance to Music Gear Insurance.

It is the cost of the instruments that makes them precious; and there are few that are beyond reach of most of the musicians. This is the reason while taking training; most of the learners try their hands from the rented instruments. Thus, if either of such classy instruments as that of brass is with you; make sure to take an extra care while picking up the plans and policies. While picking up a plan, there are a number of aspects that can be taken into account, especially when it comes to all inclusive Brass Instrument Insurance.
Use/Performance

It is quite understood that the premium payments are directly proportional according to the nature or type of usage of the instrument. As a stage performer you have to shed more amount against premium when compared to the amateur; as the amateur musician plays these instruments at home during the free time, to keep their passion with music alive. Besides, if these instruments are being regularly used in Music studios or the music institutes, the premium rates will always on the higher side, as the prospects of the damage to the instrument will be more at these destinations.

New To Old Instrument

Brass Instruments usually have the longest life when compared to all other instruments, thus make sure that insuring agency tenders with a New For Old policy; and if your instrument undergoes some sort of damage or been stolen the agency must make provisions for replacement with corresponding make or model if it is still on the racks of the music instrument dealer.

Travel And Transit

The most overlooked clause by the musicians is Travel And Transit while acquiring Music Gear Insurance and later on altering it as per the needs. While you are out to attend the event, the possibility of the instrument being picked up while left unattended in the vehicle. Make sure, that the service provider included this factor when he is designing a policy for you.

It is the changing scenario as well as the fierce competition among the insurance providers to retain their positions in the market, insuring your musical gears is much easier as it was before few decades? Most of the insurance vendors having their niche in planning policies for music professionals tender a heap of choices, which can be further transformed to give maximum benefits.

Comprehensive Musicians Coverage Creates Wonders

There are many aspects that we face in day to day life are absolutely beyond our control. As humans, we are not able to the actions and happenings that are going to occur the very next minute. Even if, we cannot foretell or manage the future, we can take steps to counter any of the adversaries!! Yes- we can and always should gear ourselves for facing worst situations by taking adequate precautions. Insurance is one such step or approach to be prepared with the help of which we can lessen or mitigate the aftereffects of any unfortunate incidences.

With passing time, like all other sectors, insurance sector too is getting more progressive and aggressive in nature. After all, everyone has to survive in cutthroat competition; and this is the reason insurance firms keep on introducing a series of unique and unconventional plans. And Musicians Coverage is one of the unique and avant-grade among them, which is being most picked up among all set of musicians, performers and like- minded professionals.

Since adversaries or dangers can strike anytime and anywhere, thus, it is always recommended to pick a foolproof back up; then only the after effects can be eased to a sizeable level. And the insurance policies keeping musicians in mind are by and large established or contrived on this very principle.

With the presence of numerous customized plans and policies available with these insurance vendors, insurance plans for professionals that are associated with music fraternity in whatever form have become more wide-ranging. In other words, even if you are the owner of the music studio or running your music classes, or a musician (whether amateur or professional) you can easily find a solution for your exclusive problems.

Wellbeing of the instruments is the major worry for any musician; as the expenditure of acquiring a supreme quality and sophisticated music instrument can run into thousands of dollars. Any type of damage or dent to such an expensive instrument will obviously can propel out your hard earned savings. Insurance policies exclusively designed keeping music instrument in mind provided an extra coverage of protection to these musical gears; so in case, the musical instrument in question gets lost, or gets broken or even a small attachment is been damaged due to either of the reason, as a musician you have to pay nothing against replacement or repair of the same. It is the job of Music Insurance Company to take care of all these happenings.

It is through the insurance policies, these musicians and other professionals having an earning through music gears in either form get the necessary financial assistance. Through these policies either you can replace the broken musical appliances with a new one, or can ask the repairer to mend them. The damage or loss will never give any sudden or unnecessary financial burden on your shoulders and lessen your financial resources.

The best part is that these Music Insurance Companies give you a privilege in altering the policy under their ownership as per your need and demand.

Why Every Flutist Must Insist On A Comprehensive Flute Insurance Plan?

Flute is surely one of nature’s greatest gifts to mankind where wind is turned into music. The origins of flute date back 43,000 years making it perhaps one of the oldest instruments known to mankind. If you are a flutist then you are expected to create mesmerizing music that enthralls the listeners. But as a flutist you also need to be a realist and ensure nothing comes in way of creating heavenly music. What you need is flute insurance that would protect your musical instrument against all risks. It doesn’t matter whether you are an amateur musician or a high flying one who performs in front of thousands of people, you need insurance.

In the past musicians and event organizers never considered these insurance plans necessary and often had to deal with huge financial burdens that resulted from loss or damage to their instrument. However, now musicians, studio owners, event organizers have all realized of having protection around their musical kit as well as events.

You Need A Free Mind
   
You must understand that insurance plan have as much psychological effect on your mind as they secure you financially. As a musician you need to have a free mind that extends beyond the ordinary, one that can create music before it is played in front of an audience. If your mind is preoccupied with thoughts regarding the safety of your instrument or liabilities associated with it, you won’t be able to create blissful music. What flute, saxophone or guitar insurance does is they offer you complete peace of mind so as to focus on creating music.

What These Plans Cover?
   
An average homeowner’s insurance plan doesn’t offer adequate protection for your flute or other insurance products. Flute insurance plans cover almost all foreseeable risks that you can think of and these include –

•    Theft & Misplacement – Thefts and misplacement of instruments are common and these insurance plans cover your instrument from thefts. This includes thefts at home, during transit or when the instrument is stolen from a parked vehicle. These companies offer you replacement for your old instruments irrespective of its age and conditions.

•    Damages & Repair – Flutes are extremely delicate instruments and are susceptible to damage. In case of such events the insurance plan would offer you the cost of repair. They also compensate you with the hiring charges for a flute during the period of repair.

•    Liability Coverage – If you are running a small musical school and imparting lessons to enthusiastic students you need this coverage. This will save you from any third-party claims when your students suffer injuries or other loses.
 
Specialized Musical Insurance
   
You know how the insurance sector has changed over the years and today is it about specialized companies offering you insurance for niche products. Similarly music insurance companies offer insurance for your flute based on the types of risks associated with these professions. These plans can also be tailored made on some of your special needs. You need to search for a reputable company that offers you the kind of insurance coverage you need.

Music Studio Insurance Ask Your Vendor To Make Changes As Per Requirements

Studio’s based business is one of the businesses that are quite significantly important in music and entertainment fraternity. Any sort of unanticipated events like fire, loss due to natural calamity, compensation claims, and loss to the property due to theft or breakage besides many instances like this can cause major numeric loss to these businesses and thereafter can cause a monetary trouble for the owners of the recording studio.

If you are the possessor of the newly set up music studio, and have just ventured into this business in order to make extra bucks, it is better to safeguard your business from all sorts of such unexpected events and cover your business from a right kind of insurance plan. Following are few of the clauses which can be considered to be included when you are acquiring Music Studio Insurance from an established corner.

Premises and Equipment

Business Ventures and enterprises like Music Studio, Saloons, photo studios & other business like them are well furnished with nice-looking, exclusive and expensive interiors; besides, most of the recording studios are a house with some of the very expensive, exclusive and professional instruments. Damage of any nature to the instruments affects the work, as a result, earnings are stalled; and this will definitely create a financial strain. Moreover, interiors and finishing as well as wooden floorings are usually prone to damages in the situation like water logging, fire and other like- minded situations. Natural blows like torrent, earthquake, tsunami and other such scenarios too can cause crucial dent to property and equipments.

Such type of damages and scenarios ultimately suspend your business until the premises is being rehabilitated; weighing you down with the repair costs. Besides, you have to face the loss of income due to the closure of your business during that particular phase of time. So, to stay steady and secure under all state of affairs, you are supposed to procure an insurance plan for your premises as well as belongings like music equipments, accessories and other gadgets that are necessary for smooth running of the music studio.

Music Studio Insurance Offers A Complete Coverage

There are many plans and policies that are equally vital for a studio business of any kind and type. But, picking them individually will not be beneficial up to that extent, for which a studio owner is expecting of. Here, the Music Studio Insurance plan reflects itself as a comprehensive package which has an ability to cover almost all requirements under one umbrella.

For musicians, who have to travel a lot regarding their performances and recordings should acquire Performance Insurance without fail. It helps them to save unnecessary obstacles that come in their path of success. Making a position in music fraternity is not that easy; and retaining the position is even more difficult. All these plans and policies are there to help these musicians to be free from all anxieties and keep on contributing for upliftment of the fraternity.

Approaching to the insurance broker and taking his advice always helps in getting acquired a right nature of policy.

Protect Yourself and Your Reputation with Performance Insurance

Have you heard about performance insurance? It is one of the best ways to secure your events against some of the most common risks. As an event organizer you should never leave anything to chance and this is where performance insurance becomes your perfect safety net. While musical events such as an orchestra or a rock concert can be huge money spinners, there is always an element of risk involved with these events. When you have large crowds coming for such events, there are many things that can go beyond your control.

When we talk about performance insurance it often comes packaged in different names. If you are organizing an orchestra, you would need to buy an orchestra insurance and similarly for different types of musical events there are different insurance plans that are tailored to meet different requirements. To understand the importance of performance insurance, it is important for you to understand the kind of risks associated with organizing these events.

•    Event Cancellations – There are a number of things that can lead to an event getting cancelled. From bad weather to artists not turning up for the event the list is virtually endless. As an event organizer you are in a complete mess as you would have spent on hiring a venue, paying the artists and also running an ad and publicity campaign. And now you would have to pay back to your sponsors and also fans who have bought the tickets. These can result in loss of hundreds of thousands of dollars and having the performance insured can save the day.

•    Injuries – This isn’t something that is unheard of at music events. The crowds can turn violent or there can be a stampede when some of the fans are overwhelmed by the music. In case of bodily injuries, you would have to deal with numerous third-party claims that don’t only affect you financially but also hurt the reputation of your company. Luckily if you have a performance insurance plan all these claims and compensations would be taken care of by the insurer without you even having to bother about them. This will also save you from legal hassles often associated with such unfortunate events.

•    Theft & Damage to Instruments/Venue – God forbid if your performer’s instrument is stolen or damaged due to one of your unforeseen mistakes you would have to adequately compensate them. If you have signed the top performers for your event the bill for repair or replacement of the instrument can be astronomically high. Same applies for the venue where the event is being organized. Performance insurance cover you against all such risks and in fact top artists and venue owners would insist on this type of insurance before you can sign a contract with them.

Performance insurance would take care of all these risks associated with the event. It is important for you to find the right insurance company that offers you a tailored plan to meet your niche requirements. This will ensure that along with the cover you also enjoy complete value for money.

Drum Insurance- Why You Need It and What It Covers?

For any musician, peace of mind is prerequisite to creating magic onstage. If you are a drummer this will allow you to create perfect beats and complement other musicians during a jam session or while playing onstage. Whether you are touring or practicing in your own studio, your mind shouldn’t be bothered about anything else than your performance. Whether you play a custom drum kit or a vintage one, you must buy drum insurance.  These insurance plans cover you against all types of risks that are associated while you practice or perform.

Damage Cover
   
You may take precautionary measures while playing the drum or while it is in transit, but there is still a strong possibility of your kit getting damaged. In such an event you would have to bear the entire cost of repair or replacement if you haven’t bought musical equipment insurance. These insurance plans have been designed to protect your drum kit from accidental damages and you won’t have to deal with a financial setback. They deal with all kinds of damages that you can think of. If you have a high value drum kit you protect it for expensive repairs and replacements.

Loss of Equipment
   
Imagine your home being burgled and the criminal escaping with your beloved drum kit. What many musicians don’t realise is that home insurance plans don’t cover your musical instruments and when they do, you would only receive a partial compensation for the kit. When you purchase drum insurance these offer you protection against loss of equipment from your home, unattended vehicle and even on stage. These plans cover the entire cost of replacement based on the prevailing market rates. This ensures that the compensation amount is the actual price of the drum kit and not the amount that you may have paid years ago while buying the equipment. For vintage equipment the compensation would be based on the appraised value of the kit.

Public Liability
   
Third-party claims have become a big botheration for musicians as they are often held guilty for the silliest of reasons. A fan getting injured during your event is enough reason for you to be held accountable for the injury. For some real reasons you could injure someone while playing the drum kit or cause damage to the venue where you are performing. It is important for you to seek adequate protection against all such claims and this is where public liability coverage comes handy. Though your drum insurance plan may not include this coverage you can always ask your insurer to tailor a plan and include public liability coverage in it.

As we have already stated above, insurance is the best way for a musician to buy peace of mind which allows you to excel in your performance. With so many insurance companies out there, you need to be extremely choosy in finding one that offers you the best coverage. You can start by checking out the kind of ratings they enjoy and the reviews they have received.

Brass Instrument Insurance: A Safe Play For Orchestras And Ensembles

Not every person has interest in listening music; and there are many who rather wish for sightseeing instead of strumming their drums or pianos. Probably, guitar, flute and drum’s are few of the most accepted music appliances in the world; and most of the learners are eager to take lessons in these instruments only. Among them a larger chunk of learner are desperate to make their career in this versatile industry.

Gradually, when they are fine with it, start having an inclination of other instruments too. But, there are few who are known for their collection of rare and heritage instruments; and you will find these musicians giving a performance through these classic instruments.  From oboe to piccolo and even from cello to banjo there are a number of instruments in this wide and deep industry; you will a number of people across the world, who are eager to learn one instrument or other as per their choice and capabilities. If you evaluate the opportunities between the normal instrument and the one of rare species (rare and heritage instruments), you will find that it is very difficult to maintain heritage instruments; and there is hardly any replacement for such type of instruments. Precisely, this gives us an option to think about the utility and importance of Heritage Instrument Insurance from deep. This insurance of special category ensures to contrive for the best deals for our prized possessions.

For every musician a right kind of insurance is a must; as it gives you an opportunity to carry them along with you in performances without any sort of anxiety and worry. A well planned insurance gives you chances to use your instruments as you are willing to. Though, in the absence of an insurance plan, you will think twice before carrying it around the venues. You would rather desire to keep your rare instruments under scrutiny at home or in your music studio instead of making them susceptible to all sorts of damages and threats. Now, the issue is how will you stumble upon the best policy for your musical assets? Let’s take peek upon some of the points to recognize whether the insurance deal you are getting goes along with your requirement or not.

Picking The Right insurance Provider

Finding a suitable insurance is the first step towards implementing your decision regarding securing your instrument against all possible adverse consequences. Presently, you will find a number of specialist insurance vendors who are known for their skills in contriving exclusive Brass Instrument Insurance. Though, these insurance vendors are known for offering niche services; but as the owner of the instrument you need to be very careful before signing the deal. Not all firms offer, according to your expectations and requirements. Doing a little background research is desirable.

Premiums

It is quite understood that one has to pay timely premiums in order to keep an insurance policy alive. There are two types of insurance plans available; one that require measly sum against the premium, and the other type where you have to dole out a pot of money against premium. When the insurance is sought for Brass Instruments or Heritage Instruments make sure that you have to shed a large portion against the premiums. It will be advisable to check whether it fits your pocket.

Event Insurance - Things That Must Be Included In Your Insurance Plan

If you are all set to organize a musical event, there are a number of things that you need to take care of. From finalizing the contract with the artists to arranging a venue and marketing your event, organizing a musical event is not easy. Even the most meticulously planned events have their share of risk and as an event organizer you need to take steps to protect yourself and your team against these risks. Insuring your event is something you need to take very seriously and choose the right plan for your needs. Here we take a look at some of the things that must be included in your event insurance plan.

•    Instrument Coverage – This is something that you should always look out for in your event insurance plan. While choosing instrument coverage there are two important things that you need to consider. First the type of instruments that would be played at the event matters as the insurance coverage varies for these instruments. Secondly you also need to keep the stature of the musician in mind while buying an insurance plan.

•    Musicians Coverage – The success of your event solely depends on the musicians who are performing at the event and you should always keep yourself prepared for any unfortunate event. Your musicians may fall ill or can suffer an injury during the event, and all such cases musicians coverage comes handy. It would cover all the risks associated with such incidents and accidents.

•    Liability Coverage – This is another important part of your event insurance plan and it will ensure that you aren’t held accountable for any mishaps and injuries that occur during the event. You may have heard of several incidents of violence and stampede that often occur during the events. If you aren’t covered by a liability plan you will be to deal with third party claims. Also many event venues make it mandatory for you to have liability coverage as this protects damage to their assets.

•    Cancellation Insurance– In spite of all the planning and marketing that goes into an event, there are chances that it may have to be cancelled due to inclement weather, artists not turning up at the venue or other problems that can be difficult for you to foresee. In all such circumstances, cancellation insurance help you deal with costs related to issuing refund to the audience, venue hiring, equipment hiring etc. Though it may not be able to cover all your expenditure, it will surely help in easing the burden off your shoulders in the event of a cancellation.

These are the types of coverage you need to look for in your insurance plan as they would adequately protect you against all the risks. If you need anything else, you can talk to your insurer and ask them for a tailored plan that meets your requirement. If you are organizing multiple events in a season you can bundle them and get a plan that reduces your expenditure. This is where you need to find a reputable company that enjoys good ratings among its customers.

String Instrument Insurance Cover The Asset Under Right Policy

Musicians and performers of all genres have to face ample amount of threats while they are performing on stage during concert, events and music shows as well. May be you are a part time guitarists, or your instrument is the only source of your income; but whatever might be the case, you might be well aware that these musical assets are quite sensitive, and highly expensive too. Professionals having their presence in this industry are persistently under fear of losing their belongings (musical equipments) and there are always possibilities of the damage to them.

Maestros and the veterans of the industry, always suggest that a well designed insurance plan is always a blessing, as it keeps them away from all set of mental worries and anxieties as well. Each and every music professional or a music tutor has to carry his musical asset with him/her while they are out for giving a performance in concerts and shows; and while commuting to the venue, their delicate and fragile instruments can encounter some sort of consequences that can ultimately harm them.

Why Should Music Professionals Plan For Insurance?

Are you also of same league? Now wake up, and have a look around  what is happening in the fraternity; and how your fellow musicians are getting troubled due to the loss of their precious musical equipments. Act wisely, and consult an insurance advisor as soon as possible for securing your instruments against all set of liabilities. The tenure of the insurance (3months, 6 months, annual or bi-annual) just depends upon the requirement and the nature of your activity in the industry. While giving performance, you don’t know when your instrument gets damaged or an invitee gets injured while the instrument falls on him/ her.
 Public Liability Insurance For Musicians where as saves you from the range of liabilities which can pull your success miles away due to the injury taken place to another person, it secure you from the expenses occurred to your costly and dear instrument when it gets damaged during such actions. If your assets related to your profession are well maintained, and are wrapped under a policy of the right nature, the risks related to your profession will be curtailed down drastically. This will, no doubt, affect your performance as if you execute with a free mind, your recital will improve fourfold; and this is indeed a positive sign.

These plans and policies include situates raised due to natural or sudden lose to the musical objects, due to either of the consequences; and while acquiring the plan always introspects the clauses that are left. If your ensemble has lots of string instruments, it will be better to have a customized String Instrument Insurance; and it will over your instrument from theft, travel based risks, loss due to fire or any other natural calamity.

There are countless insurance vendors that work solely for the professionals of music and entertainment fraternity; and you can take their help in customizing the Insurance package.

Musicians Coverage Includes Everything For Everyone!!!

If you are a music artist or an instrumentalist, your music instrument is apparently the most crucial belonging of yours; and securing it against all sorts of viable threats is of utmost importance. After all, playing instruments gives you meals twice a day; and in case something happens you will come on roads.
 
This, is the reason, most of the musicians is fanatical about the whereabouts of their instruments; and make sure that they are well maintained under all circumstances. After all, if something happens to their musical belongings, they will have to face the double blow; stoppage of regular income and expenses for fixing the repairs.

Once you have decided to be a part of this versatile sector you should seriously think about the insurance plan, concerned with the type of instrument you own as soon as you posses a one . Most of the insurance firms do have musical instrument policies and related services under their sunshade, with slight variations. So, as a music professional, you should be well aware about your requirements from the insurance industry, so that you can put forward your requirements appropriately. In this write-up few essential points are being emphasized that you as a musician should keep in mind.

Know From Where To Start

As the owner of the instrument your first action should be search and research. Hit upon the sundry of insurance firms that have an expertise in dealing with this versatile but combustible sector. Always prefer an insurance firm that has an ability to make necessary changes in the plans under their ownership through their expertise. You can make an online search for the best insurance firms.

Understand Premiums For Musicians Coverage

 Once your search for the insurance vendors is fruitful, try to recognize the premium charged for the policies available with these vendors.

Find what gets covered

Insurance for accessories and audio equipments differ from the insurance plans designed for instruments. Thus, while acquiring Audio Equipment Insurance from the vendor of your choice, take a glance on the terms and make sure that all the necessities are being included. There should be no overlap for the premium that has to be paid.

Usually, musicians have to move a lot; and this is the demand of their profession. If you are already established in this sector, and have to travel for recording or attending a live concerts along with your precious gears, make sure to include the term worldwide in the Musicians Coverage you have bought. The term worldwide has lots of emphasis hidden, and once you are a distant place for either of the professional reasons, your instrument will be safe against all dues. In fact, if some odd consequences as loss, replacement, damage or smash do occurs, insurance vendor is there to take action as per the situation.

This keeps the musician free from all the mental agony against the security and safety of their musical appliances; and they are free to justify their performance in the show.

Things You Must Consider Before Buying Saxophone Insurance

If you are musician there is no better feeling in life than to play your beloved instrument and create new music. Naturally you would attach a lot of emotion with your instrument and nothing can hurt you more than losing your instrument or finding it damaged. While there is little than can heal the emotional set back insurance can deal with the financial part of the problem. If you play the saxophone you must choose a comprehensive saxophone insurance plan that would offer you all the protection you need. Choosing one can be quite tricky and here are a few things that would guide you to the right kind of plan for your needs.

•    Knowing Your Needs – Before you are out buying insurance it is important for you to know your exact needs. The kind of coverage for your saxophone often depends on whether you are a professional musician or one who plays it as a leisure activity. Along with this there are musicians and music lovers who love to collect these instruments. Depending on how you use the instrument you can look for an insurance plan that takes care of all the risks adequately.

•    Coverage Amount – This is very important to take note of while choosing an insurance plan. There are basically three different types of compensation that an insurer offers - price of instrument, appraised value and replacement costs. The premiums for these can vary and you should choose one that fits your requirements perfectly. Plans covering price of instrument are ideal when your instrument is new as even depreciation factor won’t hurt you, while for older instrument you always need to focus on replacement costs. If you have a rare vintage saxophone you may get in appraised and insure it against the appraised value.

•    Repair Coverage – Many musicians make the mistake of opting for a plan that only protects them against thefts and loss of the instrument. But you may be surprised to know that more musicians make claims for repair costs than they do for loss in transits and cases of thefts. Music instrument repairs can cost you dearly depending on the type of damage the instrument has suffered and its rarity.

•    Hiring Charges – If you are a performing artist you would never buy an insurance plan that doesn’t offer you hiring charges when your instrument is lost or gets damaged before an event. Since such things happen without a warning you need to be prepared to deal with them. This ensures that you would need to spend huge sums of money from your own resources before you perform at a pre-scheduled event.

These factors are interchangeable whether you are buying Orchestra Insurance or one for your saxophone. It is however important for you to find an insurance company of established repute in the market. They should offer you compressive plans that take care of all the risks associated with performing as an amateur or a professional musician. Reputable companies also offer you plans that can be tailored to meet your exact requirements.

Flute Insurance: Factors To Take Care While Designing The Plan

Work from home concept is picking up fast these days; and populous mainly ladies stress on taking up training in the different traits as per their choice as how to generate income without compromising with the comfort of home. Whether it is imparting music lessons or salsa, foreign language lessons, freelance writing and even simply writing proposals for an outsourcing establishment; there are immense opportunities for the women who are willing to earn extra bucks even a small amount as per their interest and caliber.

Even while at home, these enthusiastic entrepreneurs at times have to invest a little amount before entering the business of their choice. Mind it, if the venture is fresh, these entrepreneurs or the business owners have to face lots of hazards sitting overheads, that has to be taken care of; and have to take extra care if investing some resources in the form of your savings. Trade or commercial activities of all nature require a complete insurance as it is the mode through which you can keep your products as services secured when a disaster of any sort knock your door without any prior information!

If you are running music classes during your free time from your home , it will be advisable to procure a property insurance along with the instrument coverage against the type of instrument you are having expertise. Acquiring a Horn Insurance, Piano Insurance, Flute Insurance, Guitar Insurance and so on is an ideal way to safeguard your instrument against all sorts of menaces. These programs and agendas are being particularly designed in a professional manner; so that they are able to protect your valuable asset. Such action pulls a safe curtain against the possible damages.

While imparting lessons to the budding musicians, you can add up your income by making a regular presence in concerts, musical nights and events related to music. As a seasoned musician, you might be well aware that concretes and other events related to music are the right place to spread your wings in the industry; but on the other hand are the venues where your musical assets are most prone to damage and vulnerable threats. Your most favorite instrument can either be damaged or been stolen by the fanatic attendee while lying unattended or there can be a stage fall; and for either reasons you will be at a loss due to the damage or theft occurred to the instrument. Whatever the Situation is, make sure that the event organizer has acquired a fully fledged Concert Insurance, before giving a nod for the performance. After all, it is a question of your survival, as with loss occurred to the instrument; you have to stop the music classes till the time your instrument is replaced or repaired.

You will find a number of insurance vendors that assist you in recovering the possible loss of the instrument through their well planned insurance plans. Through their plans, you can secure the financial condition when any type of calamity strikes in.

How Woodwinds Insurance Can Protect Your Interest?

Music is said to be a great healer as it touches both the mind and the soul. But who heals a musician or a person who arranges musical events when they have to deal with unfortunate events? There is no bigger pain for a musician than to lose his/her beloved instrument or see it damaged. While little can be done to heal the emotional scar, good insurance plan can take care of the financial burden associated with such unfortunate events. If you are a woodwinds player you need to opt for woodwinds insurance. It doesn’t matter whether you are a professional or a budding artists trying to make a mark, insurance is must for you.
 
Woodwinds such as flute, clarinet, oboe or the piccolo produce mesmerizing sounds and people with a good taste of music would go anywhere to enjoy a live orchestra. While these instruments may enthrall the listeners they are also among the most delicate of musical instrument. Even small amount of force applied is enough to damage them and spoil their sound. When such a thing happens you need to immediately get them repaired or in the worst cases buy a new one. For top grade instruments this would mean a lot of money and insurance plans would take care of the necessary expanses.

Loss or Damage Can Happen Anywhere
   
As a musician you tend to live in a creative sphere but at the same time being a performer you need to be practical. You must realize that loss or damage to your instruments can happen anywhere and often come without a warning. You may trip on the stage while performing or an overwhelmed fan in a moment of excitement can damage your instrument. It can happen due to the carelessness of a baggage handler at the airport or many be stolen during transit. Since you can’t plan for any of these situations it is better to stay protected with an insurance plan.

Choose Instrument Plan Wisely
    
You need to be very careful with choosing an insurance plan for your instrument. While there are a number of insurers who offer you a wide choice of plans you need to find one that suits you the best. For example if you regularly perform on stage and are constantly travelling your needs are likely to be different from a person who runs a music studio and offers lessons to enthusiasts.

 Similarly the risks associated with instruments also tend to vary and you will clearly see that certain terms and conditions of brass instrument insurance is different from that of woodwinds. When you are choosing a plan you need to ensure that they meet your needs, if they don’t ask for a tailored plan that covers you against all assessed risks.

There are a number of music insurance companies that offer woodwinds insurance and various other types of insurance plans. As a musician it is important for you to read through the finer lines of these plans and make sure they are fit for your needs.

Event Liability Insurance: Insure The Risks Through This Comprehensive Plan

Accidents and disasters are beyond our control!! But they do occur in every one’s life at some point or other, apparently leaving behind a horrifying financial (besides reputational too) blow for your organization. With such unexpected turn of happenings, in fact, can certainly lead you to some sort of serious financial trouble. And it is in such horrible and bleak situations, one recognizes the significance of bespoke Event Liability Insurance!!!!

The professionals having their wings in music & entertainment industry and even in the event organization sector do understand the fact that this insurance plan provides an extreme and compelling monetary support system that in due course curtails down your ( financial and legal) liabilities.

 It is a known fact that the success of any affair (whether having a small or large base) primarily is the outcome of hard work and meticulous planning of the event organizer. Anyhow, whatever planning skills you have; you cannot predict what lies next. And to counter all adverse situations a strong, widespread and exclusive insurance plan is surely required. With insurance on your side you as well as your professional existence are fully protected from incidence likes cancellation or postponement of the event, lawsuits due to some physical injury or any sort of accident.

In case in the venue of the event which you are organizing some critical physical injury takes place or there is severe property damage due to the rowdies present there; your total expenses in sorting out such issues can touch the sky! Looking at these consequences, having an all inclusive insurance plan is a prerequisite; as it secures you in persons as well as secures your professional existence too.

 From one end providing a complete backing, this versatile insurance plans adequately deals with all lawsuits so that all compensation claims can be settled down. In short, it is a complete deal. It has been observed, situations like lawsuits not only consume your precious time, but also pull down your financial situation; as you have to shed ample portion of your savings to settle down the issues. Things that are worth to note is that with this insurance with your side, all other agencies that help in making the show successful can get coverage; but as an organizer you have to mention the list of services which are actively involved in it.

If, you are being asked to organize a musical show, among taking care of a plethora of issues, you have to make arrangements of safety and security of musical instruments which are being hired. Musicians who are being invited to perform in the music event too might be carrying their precious instruments along with them; and as an organizer it is your responsibility to make arrangements of the safety of these gadgets when they are lying unattended in the back of the stage.

Most of the insurance vendors, club Bassoon Insurance, Piccolo Insurance, Cello Insurance besides a number of other related insurance plans along with Insurance for the event, so that things get easier for the event organizer.

Cello Insurance - A Few Tips That Will Lead You to the Right Plan

The importance of insurance for your musical instruments needs no introduction. In the last few years we have seen an overwhelming popularity for these insurance plans not only among the top rated stars but also among the amateur performers. As a performer there are many things at stake and you need to select the right cello insurance or that for any other musical instrument that you may plan. It is easier said than done and many musicians end up buying plans that don’t offer them adequate protection. So here we shall share a few tips that will help you get the right coverage for your beloved musical instrument.

# Theft, Loss & Misplacement
   
Waking up to the fact that your prized instrument has been stolen or misplaced is never easy. Thinking about the financial burden attached to this loss can be quite disappointing. The instrument can be stolen from a parked car, lost during transit or misplaced during an event and fall into wrong hands. These stories are pretty common and every musician has had to go through this in a long career.In all such cases the insurance plan that you opt for should take care of the financial burden it poses to you.

# Repair Costs

You know how much it takes to repair your piccolo or cello. It isn’t like your automobile repair as there are a few professional who can restore and repair your instrument back to its original state and repair costs can often be only a fraction less than replacement costs. The plan you opt for should cover the cost of repair as this removes a huge financial burden off your shoulder.

# New Replacement for Old
   
What makes musical instrument specific plans different from other types of insurance is the fact that they cover the entire cost of replacement. For instance if you had bought an instrument for $1000 a decade back getting a replacement in case of loss or damage would cost you a few times your original investment and a good cello or piccolo insurance plan should offer you the new for the old coverage.

# Cost of Hiring

Imagine a situation when you have lost your instrument or it has been damaged in transit and you are to play in an event the same day or the next. There is no other option but to hire the instrument and this can involve lot of money. There are some insurance plans that would cover the cost of hiring an instrument and not causing any disruptions to your schedule. While this may not be a part of the basic insurance plan, you can always choose this as an add-on cover.

While these tips will lead you to the right company it is equally important for you to compare the plans from different companies. You can visit their websites and take a look at what they cover and the types of add-ons available. You can also request for quotes from different companies to ensure you get the best plan and complete value for money.

Heritage Music Insurance: Give Your Instrument The Best

Each of us is quite possessive about our belongings; and takes necessary steps to secure them against all possible damages. If something happens to our dearest possessions we get disturbed. This is the reason, whenever we purchase worldly goods as new tenement or a four wheeler; we insure them too against all possible factors that can harm it in near future. Nowadays, it has become more or less obligatory to acquire an insurance coverage for any luxurious and classy belongings, whether it is movable and immovable. But, we often neglect things that we and our ancestors have owned for generations. Obviously, when the worldly object in question was bought, there was no concept of insurance, but should it be remained uncovered even today? The worth of any item that is of vintage value or is of heritage importance over time and wrapping under the protective blanket of insurance is the only wise decision.

Edges Of Acquiring A Made To Order Heritage Music Insurance

Once you take a glance around your surroundings, you will find many musicians of past generation who have vintage musical instruments under their possessions. In spite of having immense value quotient in the market and the level of maintenance these musical gears require, they are not having any insurance coverage. However, the musicians of the present day generation who had inherited these musical possessions from their elders are taking a wise step in securing them under Heritage Music Insurance.

In addition to the required protection that these instruments of heritage value require, insurance vendors make sure that these instruments can be often used by their possessors. Purchasing an insurance cover for the instruments with vintage value has many benefits that can be observed after acquiring this particular insurance plan. Most of the insurance vendors offer travel protection for these instruments of heritage value, as a result, you can carry these instruments to the concert without getting worried about its protection.

Guidelines of Purchasing The Best Instrument Coverage In The Town

Being a part of the music fraternity, till now you might have realized the importance of insurance of your musical gears. There are several firms that tender Insurance for Heritage Music Instruments for types of instruments. To take a right choice, be well informed about insurance plans and do an extensive survey. Keep in mind the following tips while acquiring a well designed plan.

Pick the insurance vendor as per your requirements

Every insurance firm has a working style of their own; and one can say that different vendors have different plans for the same instrument. All general policies under their flagship cannot suit you; thus make a choice as per your requirement.

Premium Payments

This factor is most important to consider, and though all heritage equipments require heavy premiums; but as there is a cut throat competition among these vendors you can bargain for the final deal. Weigh all positive and negative factors of the policy before making a final deal.

Risk Coverage

Check the details minutely, and cross check with the service provider about the consequences after the instrument gets damaged due to theft and fire or the natural disaster.

Why You Must Opt for Audio Equipment Insurance

For any musician there is nothing that would match the fun and excitement of playing in front of packed crowd. While this profession seems full of glitz and glamour from the outside there are many challenges that musicians and managers need to deal with on a daily basis. Every concert or performance requires large amounts of logistical work that include everything from hiring a venue to making arrangements for travel and transport of equipment. All these magnify the common risks associated with the performance industry. On some occasions your instrument may be damaged or stolen, while on others the crowd may suddenly turn violent during the event resulting in injuries.

Though you may plan out an event methodically it isn’t always possible to ward off many of the problem but as a musician or one who manages a band, you always need to adopt precautionary measures. Insurance is one of your best protections against such challenges and whether you are a solo performer or one who is a part of an orchestra or a band you need musicians coverage. It protects you against all kinds of liabilities. As a stage performer you would realize the importance of audio equipment for your performance. Even the best of instruments and skills won’t energize the crowd till the right kind of audio equipment complements your performance. While most musicians leave no stone unturned in finding the best plan for their instruments they don’t reserve the same concerns for audio equipment. This is one mistake that you better avoid if you plan to do well in this industry.

The Need for Audio Equipment Insurance
   
The fact is that audio equipment are expensive and on most occasion more than your musical instrument. If you talk of professional quality audio equipment there are only a few manufacturers of such equipment and this often makes such equipment extremely expensive to own and maintain. Repairing damages and regular maintenance isn’t easy and can put you through financial burden.  When you are insuring your musical instruments and accessories,it is worth buying a plan that covers your equipment and instruments together.
If you own a recording studio there are no two thoughts to the argument that you need audio equipment insurance. For your music studio to be popular and attract the best recording artists you will need to invest on high quality equipment and these come at a price. You can’t expect the best to hire your music studio to work with semi-professional equipment. While professional musicians take utmost care to prevent any damage to your microphones, mixers, monitors and speakers etc. during their rehearsals or recordings, there are always possibilities of damage and without insurance this can come as a huge setback for any studio owner.

While there are a number of companies that offer you audio equipment insurance it is important to buy insurance from those who have an unblemished record. You can talk to your fellow musicians and also check out the reviews on the Internet to find a tailored insurance plan for your needs.

Why Insurance for Musicians Is No Longer Optional

There are few things as soothing as music. From time immemorial musicians have had great stature in the society and have played significant role in the evolution of culture. Howeverlife of musicians has changed a lot in the last few decades as this art has imbibed the attributes of all other professions. Like any other professional every musician aspires to become self-sustaining, self-employed and self-sufficient. High levels of professionalism do come with its own sets of risks and challenges which as a musician you need to overcome.

Whether you perform in a band or play solo you need to have yourself protected against all risks and this is where you need music insurance. In the past most musicians didn’t care much about insurance and most often had to bear the financial costs of loss or damage of their instruments. But over the last few decades there has been an increased awareness regarding insurance for musicians and today both professional and amateur musicians get their instruments and accessories covered under various plans. Let us now take a look at reasons why insuring your instruments has become mandatory and is no longer optional.

Instruments Are Expensive
   
The first thing that makes insurance for musicians mandatory is the price of the musical instruments.  If you buy the best instruments from the top music labels in the world you would have to loosen your purse. You are aware of the huge costs of quality instrument and equipment and loss or damage to these can hurt you financially. When you are on the road regularly during concerts and other events the risk factors multiply. In fact most of the damage and misplacement of these instruments occur during transit. Having an insurance policy would take care of this risk and help you earn adequate compensation for the loss or damage to the instruments.

Your Risks Have Increased
   
Let’s walk back in time and go to the 1950s. What were the risks for any musician? It was only surrounded around loss and damage of the instrument and other musical gear. All that has changed in the last six decades as musicians can be held accountable for damage to the property occurring during his/her performance, any injuries happening due to crowd misbehavior. In such a scenario you have no choice but to buy an insurance plan that protects your back against third-party liability claims. This allows you to perform with freedom and not worry about any liabilities associated with the performance.

When you are buying insurance you should always do some background research on the track record of the insurance company. Some Google search would help you verify the credibility of the claims made by the company. These days there are a number of companies that cater to the niche needs of the musicians and bands. They offer plans that can easily be tailored to meet the needs different musicians and bands and also protect them against some of their unique risks.

Things To Look for In Brass Instrument Insurance Plans

Music brings smiles on the faces of people. Even in times of adversity music can act as an inspiration to fight against all odds and come out winning.  And when we talk about cheering people up nothing works better than a brass band playing together. Be it with marching armies or during school carnival, brass bands are a special show always. As someone who plays brass instruments or manages a band that plays these, you need to insure your precious instruments and protect against all kinds of perceived losses. But making the right choice of brass instrument insurance is never easy. Here in this brief write-up we take a look at some things that you must consider while choosing the

# Choose Insurance Company Carefully   

When you are looking for music gear insurance, one of the first things that you must take note of is the credibility of the insurance company. It is advisable that you choose music insurance companies that cater to the needs of musicians and those involved in the music industry. Do they have a proven track record in terms of settling claims and compensating clients for their losses? The last thing you want is to run behind them seeking what is due to you.

# Flexibility In Plans
   
Let’s state facts, your needs or that of your brand instrument team is unique in many ways. You may be performing more or lesser tours than other competitors, you may have different instruments and hence a ‘one size fits all’ insurance plan may not be right for you. Many insurers would offer you plans that have been tailored to your needs and this is one of the things that you need to look for.

# Know What’s covered
   
Many musicians and bands make the mistake of buying insurance without actually caring what it covers. You need to thoroughly read their policy to know what all is covered and see if these are in line with your needs. For instance you must be covered for theft and damage to the instrument during transit; it should also protect you against any liabilities such as damage to the property, bodily injuries and other kinds of damages that occur when you are performing at an event. Also opt for insurance policies that cover cost of repair of the instrument. There are some plans that also offer you compensation for hiring instruments when your own is lost or damaged to ensure you can perform at your events.

# Accessories Insurance
   
You should never make the mistake of ignoring your accessories when it comes to insuring your brass instruments. Whether it is the stands for your instruments or the small personal repair kit that you carry all along with your during your tours, all of these should be covered under your insurance plan. While these may seem to be inexpensive you must keep in mind that they are very important for you and your band to perform at different places.

These things kept in mind will help you buy the right insurance for your brass instruments.

Musicians Coverage - Types of Coverage You Need As a Musician

If we were to ask any musician how much they would take to part with their favorite instrument, the answer would surely be in negative. Though music instruments are priceless to the musicians, it is important to price them and get them insured to safeguard against monetary loss arising out of theft, misplacement or damage to the instrument. Today we see a number of insurance companies dedicated to the music industry offering tailored insurance plans. These plans take into account all kinds of risk and trends in valuation unique to the music industry. But insuring your instrument alone won’t offer you complete coverage. Here in this short write-up we take a look at the types of insurance coverage that you need as a musician.

•    Instrument Insurance – This is among the most popular types of insurances that you would be looking for. Music insurance companies usually have dedicated plans for different types of musical instruments. For instance if you are buying viola insurance a normal plan would cover the instrument and protect it against different causes of loss, damage/breakage, theft, fire, and others such as natural disasters. Here again the needs of an amateur and a professional may be different and the insurance plan would cover them accordingly. The instrument insurance plan should take into account the value of the instrument based on its rarity and condition as this is important for you as a musician.

•    Event Liability – There is nothing more tragic for a musician to see people get injured during his/her program and have to face series of liability cases. If you regularly set out for performances during stage shows, consumer shows, fundraisers, dances, luncheons, parties, weddings, concerts or any other type of event this is a must for you. What this does is protects you against all kinds of third-party claims related to bodily injuries and other damages that may happen during your performance. In fact this coverage has become a must when you book a venue for your performance in many cases as it protects against everything from accidents to hooliganism.

•    Studio/School Insurance – Today it is common for many musicians to start their own music school and impart lessons to music enthusiast. Also there is a growing trend to set up a small recording or mixing studio at home that allows them to experiment with their music and improve upon their popularity among their fans. If you offer music lessons or have expensive equipment at home other than your instruments you must get them insured.

You need to find a company that offers you these types of insurance plans. They need to have a strong name among amateur and professional musicians and it shouldn’t be difficult for you to verify their credentials as you can ask for references from your fellow musicians before zeroing on a company that offers you the kind of insurance plans that you are looking for. Do your research carefully and this will not only protect your instruments but will give you the peace of mind that you need as a creative artist.

All That You Must Know About Importance of Guitar Insurance

There is nothing more painful for a guitarist to know that his/her guitar has been stolen or damaged. When it’s a highly valuable or a rare piece of instrument, the pain and the grief magnifies as such instruments aren’t easy to replace. We have time and again heard stories of guitars being stolen from a tour van or being damaged due to the negligence of an irresponsible baggage handler at the airport. Such stories aren’t rare but more of a norm in the music industry and there is little that you can do about such incidents. Guitar insurance can however offer you some solace at the time of pain and ensure you don’t suffer financial losses though there is little that can be done about the emotional loss.

Get It Valued
   
The appraisal of a guitar or other musical instrument doesn’t follow the same rule that is applied for appraising a vehicle. The appraisal process is complex where a number of things such as the age of the instrument and its rarity are considered important values. So before you buy an insurance to protect your guitar you need to get it valued by a professional who has expertise in this trade. Get the appraisal on paper and preserve it carefully. This will help you get insurance for the instrument’s actual value and not for its depreciative value. Since market forces also affect the value of the instrument, do not forget to get it appraised every 3-4 years or even earlier for correct valuation.

Find Right Insurer
   
As a musician you can rejoice the fact that there are a number of insurers that offer insurance plans dedicated to the needs of musicians and the music industry. The emergence of such specialized insurers has changed the scene completely for musicians who earlier found it extremely difficult to get a policy that was tailored to their needs. Here you need to take note of the types of insurance coverage that the company offers. For instance along with guitar insurance you may also like buy studio coverage that protects your studio and its equipment against all kinds of thefts and damages. In case you have some special needs you should browse through their website or get in touch with their agents for a tailored plan.

Types of Insurance for Guitar
   
Music created by different kinds of guitars are different and so are their insurance packages. Whether you want to insure your electric guitar, acoustic guitar or orchestral instrument you would find a plan suited to your needs. Music insurance companies also offer you tailored plans that cover a variety of gear. While purchasing insurance, you need to let your insurer know the amount of travel you undertake, the type of shows you play and the way your travel. All these factors helps them to analyze the risk associated with the instrument and suggest you an adequate plan for your needs.

These things kept in mind will help you buy the right insurance for your needs and protect you valued musical instrument.

Think About Fiddle Insurance Before Leaving For Concert

Most of the musicians are getting aware of the benefits of insurance; but there are occasions, these musicians are exposed to some sort of tricky situations without being aware of it. Being a part of the music fraternity, unless they take the necessary required steps against the protection of themselves as well as of their investments they are on the verge of facing the risk if rather something takes place during the moment.

Insurance vendors who have considerable experience in this fraternity, have an ability to meet an entire range of ifs and buts that do exist with the day to day professional life of the musicians and other experts who have spread their wings in this evergreen industry. There are occasions when unthinkable consequences do happen; and imagine the situation of young musician when someone falls on his/her instrument. In case, the instrument is not secured under a right kind of insurance plan and gets damaged or lost, can leave behind a huge financial and emotional setback to the owner of the instrument.

For the majority of the musicians, their musical tools along with accessories are the most precious and priceless assets they own. After all, these priceless possessions are their primary tools that help in earning a living. If these instruments are either stolen or destroyed due to any of the reasons and, can leave behind drastic situations for these veterans. They can be out of work for some time and at times out of luck too. So, as a drummer, always take a wise step and make sure to cover it under Drum Insurance as soon as you acquire the one for yourself.

Once out for the performance in a live show, these musical tools are prone to peculiar and inconceivable risks. While performing if a rowdy fan that is eager to shake his hands with you, can bump into your instrument; and these gadgets being delicate get damaged. Hush!!! What will happen now, as you have only one instrument and that too broken; as a result you are out from your passion up to the time your instrument is not replaced or repaired. Even, there are occasions when you have to spend a good amount of money for repair; and here, if the instrument is insured, it is a job of the vendor to take care of all necessary steps.

The Insurance sector has undergone a terrific expansion in recent years; and the awareness among the musicians for covering their assets has also been increased. This is the reason; you can find attractive and interesting plans under their charter. These plans and policies can be altered as per requirement of the musicians and their ensembles. Whether you are acquiring Fiddle Insurance, or insurance for any other plan, make sure to check the credibility of the insurance provider.

Internet gives you an opportunity to go through the insurance vendors in your neighborhood; and the best part is that established vendors can be contacted round the clock through their websites.

Concert Insurance Factors That Should Be Taken Care Of

After a long struggling phase, you are about to perform in one of the biggest shows of your life; and this can be noticed from the glowing face of yours. But, in the back of your mind some negative thoughts might be floating around, what will happen if the musical show in which you are going to perform is being postponed or cancelled? The mere thought of the consequences of such actions can shiver you up to bottom. After all it is a question about your career, and if it is a source of your bread and butter, things become more delicate for you. However, if you have acquired Concert Insurance, things will be not as pathetic as you think so.

Being in music and entertainment fraternity from a considerable period of time, you might be well aware that the career of a performer is full of thrill, glamour and excitement; and the one who are ahead of their competitors have a huge fan following, who are ready to do anything for the musical diva. But, with all these fun and frolics, these musicians have series of botherations which they have to face in day to day life. The Safety of their instruments from a variety of factors is one of such factors that keep these musicians on their toes round the clock.

The biggest concern for the musicians while performing on the stage is about the loss of property or the physical injury taken place to the spectator. Where on the one end, the safety of their precious instrument is at stake, on the other hand ,they are worried about the consequences of the outcome due to the physically injury. They are well aware that they can be dragged on the doors of law to compensate for the losses occurred and medical bills regarding the physical injury.

For musicians of all levels and type, their musical instruments are the biggest asset of their life, as these musical gears are the modes of identity. In case, these gadgets are misplaced or damaged while you are carrying them at the venue of performance can leave you shattered. For a Piccolo player, if his or her instrument is misplaced just before the performance can leave you nowhere, as you cannot make arrangements of another piece in a short span of time. Whereas, you leave an opportunity to perform and make your name in the fraternity, on the other side you have to face the financial loss due to the misplacement or the damage of the instrument; thus as a musician you have to face a double blow.

This is the reason veterans of the industry suggest to acquire a Piccolo Insurance; so that you are free from all such consequences and only pay attention in sharpening your skills. With a period of time, more and more vendors are showing their presence in the fraternity with a broad range of plans and policies for music professionals of all levels. These can be altered as per demand of these professionals.

Ask The Insurance Vendor To Design Your Music Instructors Insurance

Have you ever imagined what will happen if your oboe gets breaks down while you are taking a music session in one of the leading music academies? If any musician is willing to secure his or her musical gear, it will be precisely suggested to buy a correct insurance plan. Having a coverage plan will not only save the equipment, but consequently will also secure the owner’s profession with entrust. There are only a few of the music teachers or instructors who take adequate care of their musical assets along with their occupation in first place.

Basically, Music Teacher Insurance rescues the music instructor from third party liability, a major concern for the tutor fraternity. It includes loss due to breakage, theft or any other consequences that can generate harm to your musical device.

Are you thinking that acquiring such plans may turn to be quite expensive? Here, is when your perceptions and notifications are quite wrong. Being adequately geared up in your profession is the clue to success. Visualize the situation you will face when your only instrument gets smashed and dented, in the middle of the coaching session? You never know when any sort of legal petition enters your happy business that is running in the backyards of your premises. Experienced and veterans of the industry, always advise the amateur music learners as well as the instructors to equip their musical assets with the right kind of coverage.

There are situations when all the policies cover the vital and paramount liabilities faced by these music professionals; so take a deep look while acquiring it. There are a multitude of insurance vendors in the market, who are lending their services to the music industry, that includes solo performers, music bands, associations, orchestras, music instructors; and it is through their expertise they are tailoring policies for these audiences.

In case you are a music instructor if you are running music classes from home, this insurance plan can save you from the accessible risks that can hamper your teaching career. As a learner of oboe, if you are carrying your instrument to the music institute, it can be dented or damaged on your way to the class. On the other hand, if some veteran is impressed with your instrument playing skills, as a result invites you to join the performance in a concert; and indeed this is career breaking opportunity for you. But, while in the live performance, you are anxious about the possible damages that your instrument can encounter.

After all, you have invested your entire savings in acquiring this delicate instrument for yourself; and in case it is damaged, lost, or misplaced will be indeed a big financial and sentimental loss to you. Here, if you have Oboe Insurance on your side, there is nothing to worry about. It is the responsibility of insurance vendors to take care of your losses that are occurred from the loss of the instrument.  Vendors with years of experience have expertise in crafting policies for the musicians of all genres.

Flute Insurance: Protecting the Musical Gear against All Sporadic Events

Most of the insurance vendors understand the specific requirements of the music fraternity in general and musicians in particular. Through this expertise, insurance vendors make sure to cater plans according to the specific needs of musicians of all types.

Recently, it had been noticed that one of the great maestro having a proficiency in playing the oboe, had to lose his hands over his classy and highly prized musical instrument while he was coming back attending a concert overseas. The day such an incident took place, proved to be an eye opener for this music veteran, as he made sure to safeguard his line of work, as well as his instrument with a well contrived insurance coverage. Whether you are playing flute or oboe or even trumpet or piano and clarinet, your musical gear means a lot to you! You will find lots of musicians even if they are amateur who love and preserve their musical assets as they do for their heart and soul.

Flute Insurance is quite common among music fraternity as well as insurance sector; as the music professionals who learn flute travel a lot. Bands and ensembles besides solo performers too travel from one city to another in order to display their talent to music lovers. Here, most of us are mistaken that insuring ourselves is one of the most essential things, rather than securing the musical assets under our possession. Even though, some of the veterans of the music fraternity have safeguarded their musical assets and gears; but the majority of the professionals having their presence in this bubbly and evergreen industry nor are serious about securing their assets, and even there are few who do not have adequate awareness or importance of securing the musical objects.

It has been observed, that these musicians and other professionals as dealers, retailers and appraisers are not even aware of the presence of insurance vendors in their living town and even in their neighborhood. Guitar Insurance encases you from the losses occurred due to theft or accidental damage. If your guitar is having heritage or vintage value, then it is quite imperative to have security coverage of the instrument. Additionally, as a guitarist if you are known figure due to your playing skills, you might be a regular face in rock shows, live shows and even music concerts. If this is the case, you might have to travel a lot; and thus you carry more risks against theft, misplacement or even damage.

No doubt, musicians are always worried in the back of their mind about the safety and security of their musical belongings, and at times it affects their performance. With insurance by your side, you are mentally free from such consequences; thus you are able to concentrate on your performance. For overcoming inescapable situations, you have to spare bare minimum sum from your earnings that you receive through your music instrument. You can take help of the specialist insurance vendor who solely work for music fraternity; as they are the perfect source to guide you for the type and level of insurance policy that you should acquire. A vendor who has years of experience is always willing to retain the customer, hence they make sure to design all inclusive policies for the musicians keeping the level of their presence.

Concert Insurance Protects You When Things Don't Work According To Plan

When King of Pop Michael Jackson passed away days before he was to make a comeback on the stage in London, the event organizers suffered a huge blow. Apart from returning millions of dollars to people who had bought tickets, they also needed to deal with a number of lawsuits.  It was a big wakeup call for the music and event management industry that often tends to take things for granted. If there has to be a Case Study for the importance of Concert Insurance, this surely has to be one. As a musician or an event organizer you may not be as famed as MJ or work with artists of this stature but concert insurance is a must for everyone in the industry.

You Need To Plan For The Worst
   
As someone who plays at concerts or organizes them you always wish for the best weather, best crowds and everything else related to the event to fall into place. But it’s just a ‘wish’ and on many occasions things may not go according to the plan and this is where you need to plan for the worst case scenario. The weather may play spoilsport, the artists may not be able to make it to the venue due to some unavoidable circumstance or a fight may break up between two groups of fans.

Irrespective of what the situation is, you always need to be prepared and avoid being involved in legal issues regarding any mishap or injury happening during the event. This can not only spoil your name but can put you into unnecessary stress. Concert insurance will also cover the medical expanses of people who have suffered injury during the event.

Event Liability Insurance Protects Your Interests
    
Like music concerts if you are organizing any other personal or commercial event, it would be wise to get it insured using Event Liability Insurance. This type of insurance protects you against any kind of mishaps or other incidents and accidents that may occur during the event. There are a number of things that can go wrong in an event and lead to bodily injury for your guests and others attending the event. With event liability insurance you would be protected against third-party claims. It may also be mentioned that many venues put Event Liability Insurance as a pre-condition to let you host the event in their premises.

With more and more people wanting coverage during their events, insurance companies have come up with a number of types of insurance that take care of a number of events apart from your regular concerts. These include insurance for fairs and festivals, consumer shows, fundraisers, dances, meetings, luncheons, parties, weddings, concerts and more.

Before you buy a Concert Insurance or one that protects you during any other event, you must carry out some bit of research on the insurance company. Check out their ratings and also read the details of the plan especially the coverage area to make sure what you think to be important is covered in the plan.