There are numerous things you have to keep in mind as a musician. A musician simply cannot enthrall the public with soothing renditions and be happy with it. A musician must think about how he can protect himself and his musical instruments in the event of breakage or damage. Thankfully, there are numerous music insurance available to cater to the varying needs of musicians. Today you can get anything from flute insurance to piano insurance from a reputed insurance company. But what if you are looking for a more specialized type of insurance, such as orchestra insurance?
Orchestra is an ensemble consisting of various musical sections, such as, string section, brass section and percussion section. Depending on the size of the orchestra, there can more or less musical sections. Since an orchestra is all about several musicians coming together to great a symphony of music, the risk and threats are multiple. The need of insurance is more since numerous instruments are moved at one time. Moreover there are different types of instruments, some of which can be very expensive. When publicly performing with so many priced instruments insurance is the only guarantee against all eventualities.
You can get various kinds of coverage if you purchase orchestra insurance. Though there are variants to the basic coverage depending on the insurance agency, any basic insurance will offer the following –
• You will get coverage if accidently any one or more instruments is damaged, stolen or lost. This is one of the most common coversoffered by almost all insurance agencies. The threat of loss or damage is the highest for orchestras.
• You can also get coverage if any one or more instrument breaks down due to a mechanical or constructional fault. This is often considered to be similar to an extended warranty.
• Since orchestras perform in public events, there are various risks involved. All of these risks get covered under the public liability insurance. Public liability insurance can ensure that if the event was called off, the crowd damaged your property or the stage broke down, you can get compensation for your loss through the insurance cover.
• Rare and vintage instruments are often part of an orchestra.Carrying them around in public increases the risk of damage. They can even get stolen. For all such eventualities, there is the new-for-old coverage offered by insurance agencies. Under this coverage, you can seek replacement for damaged or stolen instrument on a new-for-old basis. Insurance can also compensate for the loss in value.
• Insurance agencies also have an additional benefit in the form of instrument hire policy. Under this, you can continue playing during a claim using a hired instrument. This arrangement will last till your instrument is repaired or replaced.
When you look for orchestra insurance, one of the things you must be looking for is flexibility offered. Since your orchestra can be moving from place to place, your insurance must protect you in foreign shores too. Choose the insurance carefully so that you can enjoy the benefits as long you want.
Orchestra is an ensemble consisting of various musical sections, such as, string section, brass section and percussion section. Depending on the size of the orchestra, there can more or less musical sections. Since an orchestra is all about several musicians coming together to great a symphony of music, the risk and threats are multiple. The need of insurance is more since numerous instruments are moved at one time. Moreover there are different types of instruments, some of which can be very expensive. When publicly performing with so many priced instruments insurance is the only guarantee against all eventualities.
You can get various kinds of coverage if you purchase orchestra insurance. Though there are variants to the basic coverage depending on the insurance agency, any basic insurance will offer the following –
• You will get coverage if accidently any one or more instruments is damaged, stolen or lost. This is one of the most common coversoffered by almost all insurance agencies. The threat of loss or damage is the highest for orchestras.
• You can also get coverage if any one or more instrument breaks down due to a mechanical or constructional fault. This is often considered to be similar to an extended warranty.
• Since orchestras perform in public events, there are various risks involved. All of these risks get covered under the public liability insurance. Public liability insurance can ensure that if the event was called off, the crowd damaged your property or the stage broke down, you can get compensation for your loss through the insurance cover.
• Rare and vintage instruments are often part of an orchestra.Carrying them around in public increases the risk of damage. They can even get stolen. For all such eventualities, there is the new-for-old coverage offered by insurance agencies. Under this coverage, you can seek replacement for damaged or stolen instrument on a new-for-old basis. Insurance can also compensate for the loss in value.
• Insurance agencies also have an additional benefit in the form of instrument hire policy. Under this, you can continue playing during a claim using a hired instrument. This arrangement will last till your instrument is repaired or replaced.
When you look for orchestra insurance, one of the things you must be looking for is flexibility offered. Since your orchestra can be moving from place to place, your insurance must protect you in foreign shores too. Choose the insurance carefully so that you can enjoy the benefits as long you want.
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