Drum Insurance - Make an Informed Choice While Buying a Plan

As a drummer you have an emotional connection with your drum kit. It is this collection between you and the drum that allows you to create the right beats and make music. When there is so much emotion attached to the kit, any loss or damage can be quite difficult to deal with. But as a professional you need to take such unfortunate situations in your stride. There is little that can be done to console your emotions but drum insurance plans help you deal with the financial loss. Here in this article we shall take a look at some of the ways in which you can choose the right insurance plan for your kit.

Choose A Good Insurer
To find the right insurance plan for your drum kit or any other musical instrument you need to find a reputable insurer. There are a few companies in the world that cater to your needs and hence you need to make your choice carefully. Start by researching on the credentials of the company. While most companies make lots of promises few take care of your interests in times of need. You can read through the review of other customers and this will help you zero in on a good company. Next you need to take a look at the drum insurance plans that they offer you. The plan should take care of all the risks associated with your profession.

Read The Finer Lines     
This is one of the common mistakes that people make when buying musical equipment insurance as they look at the cover and make a decision without going into the finer details of the plan. Your need an insurance plan that extends much beyond compensation for loss or damage to the instrument and it lies in the various terms and conditions. For instance does the company offer you worldwide coverage for any loss or damage to your instrument? If it doesn’t the benefits of the plan would be restricted within a limited geography and may not offer you the protection that you really need. Also on what basis do they decide on the compensation? Do they offer you ‘New for Old’ plan or offer you compensation based on a previously agreed amount. Both these have their pros and cons and so you should decide on a plan carefully. Never hesitate to ask a question while buying a plan if you are in doubt about their coverage.

Public Liability 
As someone who plays at different venues you should never choose a plan that doesn’t offer you public liability coverage. It anything went wrong during your performance you can easily be held liable and might need to deal with numerous third-party claims which would also affect your reputation as a musician. Public liability coverage would deal with all claims regarding physical injuries and damage to property when you are performing at an event.

These few considerations will help you buy the right plan and build a protective wall around your professional career.