Do You Own The Best-fit & Affordable Musicians Coverage?

When you play the right chord, the soul stirs in peace. This is what happens when you have a musician by your side they play it right, and ring in peace and harmony within. But being a musician comes with a lot of responsibility. You need to create the right kind of music, stay connected with your audience, and be responsible.

As a musician, you may own one or more than one instruments, and you may need to keep these instruments maintained and intact. A lot of instruments look new even after years, for which you need to give credit to the people who own it. The way they take care of it, keep it clean and ensure it is placed in a dust-free zone ensures it is maintained through the years. Another way of ensuring nothing happens to your instrument is by investing in musicians coverage. This can help you cover the losses that may not be covered by your homeowner's insurance.

Insurance for your Needs
What you need is what you should get; similarly, what your instrument needs is what it should get. Homeowner's insurance helps you cover certain elements of your instrument but, you would realize that it does not cover major thefts and accidents that can cause a dent into your pockets. You may have to pay for these losses from your own pockets, and that is not something you would want to do, especially when you have an alternative for the same.

• You are a musician owning a studio, and you have your own workforce. What if something happens that your employee is unable to attend office for a month? Insurance that covers employee's health and pays for their loss can help you. Similarly, you can get the loss of pay covered through the insurance

• Someone robs into your studio, damages a few parts, and steals a few instruments and goes away. This can be quite a loss for you, especially if you are dependent on your homeowner's insurance to cover up for these losses. Theft and damage to your studio is covered under musicians' insurance

• If you are a traveling musician, and you or, the instrument you are carrying meets with an accident, then you would need a specific insurance to cover this loss. In some cases, you are unable to perform at the destined place because you are hospitalized or, because your instrument was damaged during the accident. To cover up these losses, you can own the right insurance that will cover up these damages, and help you cover the losses as well

• Some days you won't be playing because you are not well or, there is an emergency within the family. A good insurance will cover up for these lost days

Experienced Provider - A Must
As a rule, you should collaborate with an experienced provider who understands your insurance needs and offers the apt solution for you. List out your needs, and make sure they have a complete understanding of what your homeowner's insurance covers, and what it doesn't. Together you can choose the right cover for your musician needs.

Protect Your Event with Concert Insurance

When hosting a grand event, you are always under tremendous pressure of ensuring everything goes right. The event should be as spectacular as planned, which is why you make sure the entire event is taken care of from every perspective.

Concerts are very crucial in a musician's life, and it is the concert that gives them a major break in a many ways. But, organizing a concert can be quite tiresome, as you need to take care of many things while planning a concert.

The first thing would be the purpose of this concert. You need to define why you want to go through this concert anyway. Once the purpose is defined, you would know what your budget of the concert would be like. The definition to the budget is highly important, as that will help you figure out how big or small you want your concert to be like.

The third thing to decide in a concert would be to understand who would be performing in the concert. The type and purpose of your concert as well as the budget would help you define the list.

Once everything is set, you will need to work on getting concert insurance. Why do you need concert insurance? Practically, everything you have is an asset, and you need to insure them, else you will add up to your expenses in case of accidents.

Concert Insurance: What it Covers?
Heard of accidents during a concert? It happens like crazy because of stampedes or, because a natural disaster hit at the wrong time. If your concert is hurt because of these accidents, you would need to bear the losses, unless you are insured. You may face an accident owing to bad scaffolding as well, and that's truly not in your hands. That's practically the main reason why you need this insurance. It covers accidents, and the losses that you might need to bear because of that.

A lot of equipment is on board during a concert that you are responsible for, as the organizer. It is important to get the insurance in order to make sure you have the instrument and equipment damage and thefts covered. In case of even the slightest damage to the instrument, you have it covered with the concert insurance.

What if a musician calls in to cancel his/her performance, because they are not feeling well? You may end up facing the loss for their cancellation, as many people would have planned to attend your concert only because they are performing.

There are many people who would help you with the concert setup. Chances of the workforce meeting with an accident during the setup of the concert are high, and you may want to own concert insurance to cover up their medical loss and payday loss. This is probably another reason to own the right insurance.

When choosing the concert insurance, make sure you have an experienced provider by your side. They will help you choose the appropriate insurance premium, and build your cover in a way that will help you bear all losses.

Tips to Choose the Right Cello Insurance

Cello is one of the best instruments as it comes with the right emotional chord, and helps musicians express themselves. The rich tone and extensive range tend to add to the greatness of Cello as an instrument. Like every musician, the cello performers have also understood the importance of an insurance to help them cover the losses. When you are a performer, professional or amateur, there are things at stake that you will need to account for. With the right insurance, you would be taking care of your asset as well as other things involved.

When choosing a protection cover for your cello, there are a few points that you may need to consider. This will help you choose the appropriate cover that is solely meant for your purpose.

• Loss & Misplacement: Imagine waking up one fine morning, and finding that you have lost your favourite instrument; worst still misplaced it and you simply cannot find it. If you have a same day performance or, something important on that day, you will need to rent another instrument or, buy one. Imagine the losses associated with this! There are a series of cases where you can lose your instrument- while traveling, in the carpark wherein your instrument is safe in the car etc. Instead of facing these losses, you can always get the instrument covered with insurance and keep it safe

• Damage & Repair: What if your instrument is damaged while traveling air? You are walking with your instrument, and it falls because you collide with someone on the road, and it is damaged. All these cases can occur, and you should be prepared for it. The right insurance will help you cover up for the losses that occur because of these accidents and incidents. It will take care of the repair costs, and get the financial burden off your shoulders

• Replacement Costs: A typical cello insurance will also cover the replacement costs involved when you are exchanging your old instrument for a new one. Let’s say you spent x amount purchasing your cello. When you go out to purchase another cello in exchange for this one, you may need to spend an additional amount, which is covered in the insurance. So, you will end up spending just the amount you had spent a decade back to exchange your instrument

• Rent a Cello: In some cases, you may need to rent a cello for a day, when your own cello is in repair, and you need to perform in a concert. For this purpose, you will need to spend a dime. Instead, invest in cello insurance, and they will make sure you can rent an instrument without having to pay for it. This may be part of the basic plan. So, you may need to take up an add-on plan to cover the rent costs

An experienced provider will help you get the right cover with the appropriate add-ons depending on your needs and the way you work. If you are constantly traveling, then you will need the relevant add-ons to your cello insurance.

Ways to Mitigate Risks With Performance Insurance

Performing during a tour or, an event is one of the biggest achievements in the life of a musician. But, when performing in an event or during a tour, you are not just stressed about the performance but also about losing or damaging your instrument. This stress can affect your performance in a major way, which is why it is better to be insured than sorry when touring with your gadgets and instruments. While on the road for a tour or an event, there are certain things that you can do in order to reduce the risks involved, and give yourself stress free moments.

Firstly, let's understand what all does insurance cover? Insurance generally covers all the aspects that are likely to affect you monetarily. For instance, a lost instrument needs to be replaced with a new one to make sure you can perform during the event, which means you will need to spend the amount to purchase a new one. The insurance also depends on what your event structure is like? How many tours are you planning? Is it a single event or, multiple events? This will help you choose the insurance cover wisely. Based on all the details that you have gathered the first thing that comes clear is that you need a liability insurance to make sure you have it all covered.

While the insurance takes cover of all the monetary aspects, there are some things that you can take a look into when performing. You will need to be slightly careful while performing so that you can mitigate the risks.

No risks while on stage
It is good to be energetic while on the stage but, you should always be careful. When swinging while performing, chances are you might fall and break a bone or two. A lot of injuries have happened as a result of that. If the contract does not come with a good insurance cover, you might have to get a cover that can compensate for the broken bones. In many cases, the contract covers minimal aspects, and your insurance might not cover everything. This way you can mitigate the performance risk.

Crowd interactions
It is important that when you are performing, you should ensure the crowd interactions are minimal and secure. When you are inviting non-band members or non-venue personnel on the stage, you should be very careful. In case something happens to them or, they cry foul, your reputation goes for a toss, and you may need to compensate monetarily. Either ways, you will face major issues.

Watch out
You should hold on to your assets dearly so that you don't lose them. Apart from that, chances of loose wires or cables that can cause tripping on the stage are also high. Make sure you watch out for those things as well. You don't want to injure yourself when performing.

Choose a provider that will assist you in mitigating risks with the right performance insurance. Experience of the provider matters when they give you insurance cover; make sure it matches your needs.

How to Buy the Perfect Music Studio Insurance?

Protecting your music studio comes naturally to a musician. Whether it is the condenser mic that you so painstakingly bought some time back or, the echoplex you just invested in, the idea is to make sure they are protected, are well-maintained, and don't bother you just when you plan to conduct your recording. Music is not just your passion, but it also seems to be holding a great part of your life, which is why investing a few thousands in it doesn't seem to bog you down much. If you want to live a stress free and comfortable life, you may want to invest in the apt music studio insurance, which offers the monetary comforts of insurance, and brings peace and order in the life of a musician, which is indeed a rarity. Many of you believe that insurance costs you more, and affects your savings. Just imagine the time when you may have to go through crisis, and compensate from your savings? That would be more expensive than the entire amount your insurance probably costs you.

Like owning the music studio, investing in the insurance requires understanding of what are all the liability elements in the studio, and what kind of cover will best suit your purpose. Here we will take through all the steps that should be followed before purchasing the studio insurance.

Are you insured?
The first question that you may want to answer first is whether your music studio is insured or not. This question will lead to the next question that will help you buy the insurance for your studio.

If you do have insurance, you need to study it and find out what all things are covered by this insurance. Is the property your studio placed in insured with this cover? Are all the assets in your studio covered under this insurance? Do you believe your existing insurance takes care of medical bills, health, accidents and any other liability you are likely to face? These questions will help you decide if you need insurance cover specifically for your needs or, you can rely on the existing insurance.

Do you tour?
Once it is settled that you do need music studio insurance, the second question that arises is whether you tour or not. If you are the kind that goes on a tour with musical instruments, the insurance cover would need to include the maintenance and requirements of the instrument while moving around.

If you don't tour, you will need a basic studio insurance that covers all your gear, audio equipment, and takes into account health and worker's compensation- the requisites for anyone who owns a music studio.

What premium you should pay?
Once you are ready with what you want to include in your insurance, it is time to work out the premium you should be paying for the insurance cover. There will be various providers and each will give you different quotes. It is up to you to compare these quotes and choose one who you believe will offer you value for money. The premium will differ as you include the different additions to your policy. If you want to just include the property, the price will differ from when you are planning to include all the liabilities and assets.

When choosing music studio insurance provider, rate experience and their different solutions higher as compared to the price they quote.

Key Points to Keep in Mind When Opting for Event Liability Insurance

How easy or tough would you describe your life as a musician? Starting from composing the perfect music that your band can perform to organizing the best event, you need to be a part of everything. It is not enough to know how to play good music, you should be able to know how to brand yourself, and get the desired audience on-board.

Events are one of the most important parts of a musician's life, and to make the most of it, you need to stay prepared in every way for the musical events. Apart from composing the best music to delivering excellent performance, you should be ready with event liability insurance that can safeguard you against all possible problems.

Buying the right insurance requires a lot of thought, and cannot be done overnight. You need to understand what all you require, and the amount you are ready to pay for the insurance cover before you plunge into the decision. Answering the following questions can possibly help you decide on the insurance cover.

Why you need insurance?
This is the first question that you need to ask before you go any further. It is no joke, investing in the insurance premium, so you need to reason on why you need the insurance in the first place.

The events can end up in being a mess, and you would have to pay heavily for that. Suppose the flooring is damaged while the performance is on or, an artist needs medical attention- the bills will be automatically turned to you. Liability damage can cost you a visit to the court, and heavy compensation. Insurance can negate both, as you will have the money to pay up, and other damages are also sorted with the liability insurance. Even the lawyer's fees are included in this insurance cover. So, now you know why you need to be insured for the event. If you are a band, you may get all members covered in a single insurance, and you can get infinite shows covered in a single premium.

What insurance should you opt for?
Depending on your need, you should select insurance cover that best suits you. If you want to insure your musical instrument, then the cover you would select would differ from the one you would need if you need to insure your event or, your studio. The idea here is whether you need a specific musical instrument or, you need liability insurance. For bands performing abroad, they need liability insurance that covers the event as well as the musical instruments they are carrying.

How should you choose insurance provider?
When you are choosing event liability insurance provider, you should check for their financial stability and their credibility in the market. Check if they offer insurance solutions that can help meet your immediate and long-time needs. You should also check the premium they charge, and the period they specify in the insurance cover.

Experience matters when choosing the insurance provider. You cannot buy insurance from someone who is not that experience; you will need someone who knows the music market, and can understand your concerns, and offer you the apt insurance cover. Only when you are covered with the right insurance, you can concentrate on making good music, and performing well.