Tips to Choosing Insurance Company for Your Orchestra

When the orchestra fills the studio, the music feels pleasant to the ears. But, the fact is that when the orchestra is truly stress-free, it can perform real well. With the tension of carrying so many instruments and micro managing various tasks, it becomes difficult for the people behind the orchestra to actually perform freely. The worst fears that are handled by these people include having to pay for the damages of the instrument, breaking of the stage, a natural calamity striking thus leading to cancellation of the event or having an instrument damaged that will lead to a dent in the pocket.

If you have an orchestra and are surrounded by these fears, the first thing that you should be doing is invest in orchestra insurance. Choose wisely, as that will help relieve you from the losses, and ensure a stress-free performance from your musicians. Here we will talk about the various covers that come with the orchestra insurance, the importance of this insurance and finally how you should choose the ideal insurance.

Importance of Orchestra Insurance
With the apt insurance all your instruments are covered as per their valuation, which means you are covered for their losses and from theft as well. In case an event gets cancelled owing to some reason or the other, the insurance covers up for the losses, and makes sure you don't have to pay for it.

Here we will talk about the type of cover this insurance offers

• Accidental Damage & Loss: With this insurance, you are covered against accidental damage and the loss that occurs because of that. You can even protect the damage caused by theft of the instrument

• Breakdown: In case there is a constructional or mechanical fault in the instrument, you can get it repaired without paying for the damage caused with this cover

• Liability Insurance: This could be an event liability or public liability depending on the place where you face the damage and the reason for the damage

• Rental Insurance: You can give your instrument for rent and have it covered. This insurance will pay up for the damage caused during the period it was rented out

How to Choose the Insurance Company?
Good insurance companies will make sure you have all your clauses covered, and can prevent the losses as an individual or as a company. To choose the right insurance company, you need to identify how they evaluate the instrument insurance, and what all they cover in their insurance. Customer reviews play an important role when choosing the insurance company. If the company has good reviews, you should surely go ahead with the buy. But, if there are faltering reviews, a double check would be a good idea.

Partnering with a good company should weigh high on your priority. Make sure you have a checklist of what you want covered in the insurance, and then choose the custom solution that applies to you.

How to Buy a Cello Online?

Buying something online requires more thought than when you buy the same product in the store. The reason being you don't have anyone who will be actually taking you through the whole product, describing it and telling you why you should buy. A store help would always try to find out your requirements and suggest products accordingly. But, when you go and buy the product online, you are on your own. The virtual world doesn't seem familiar to the keen eye.

That's precisely why you need to be careful and jot down your own points that you need to consider when purchasing cello online.

Here are all the questions that you must ask, including a question about the Cello insurance

Are they Ready to Use?
A cello purchased from the store next door allows you to touch and feel the instrument, which is not the case when you purchase it online. You will need to make sure that the instrument is set-up online as well. So here are a few basic questions that you may need to find answers to before you purchase the cello online. Will the cello be setup before they ship it to you? Are you aware of how the string instruments are tuned? If not, then this is the primary question that should hit your mind. If it is not ready to use, then you will need to figure out another way of setting it up or, look for another place to buy from.

What's the Return Policy?
When you are buying something online, you should always check for the return policy. When you are buying a cello, you are basing your purchase on what was shown in the picture and said in the product description. Chances are you will not get something similar, which is why the return policy should be discussed before the purchase. If you do not ask about the return policy, chances are you will get an inferior product that cannot be changed.

Is there a Shipping Insurance?
What if you receive a broken cello at your doorstep? That can be heartbreaking, as you have put in a lot of money to buy it. So, do ask if there is a shipping insurance? This will help you get it repaired or changed, whatever is the policy of the store, free of cost. You should get into details on shipping to save the dent in your pocket.

Check for Reviews
It is important to give a quick glance to the customer reviews before you book your cello. If anyone has ordered the cello, they may be able to say something about the purchase, and what their experience has been with the instrument. This will help you understand if the cello is worth purchasing or not.

Cello Insurance: Part of the Package
The final question is whether you get a cello insurance as part of the deal. If not, then you will need to invest in it separately, as this insurance will protect the different parts of the cello.

To purchase the insurance, you will need to rely on a good company that offers genuine and custom insurance solutions for your instruments.

With these checkpoints, you are ready to purchase your cello and insurance for the same.

Why You Need 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.

How Important is Insurance for Music Studios in New York

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 the one in many music studios in New York that you own 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 studio coverage provider, rate experience and their different solutions higher as compared to the price they quote.

How to Choose a Perfect Guitar Insurance ?

Haven't we all had this one thought about learning a new instrument and spreading happiness with our music? If you are a string instrument lover, there is nothing more pleasant than a guitar. It sounds nice to the ears, and the one who plays it finds the strumming easy and effortless. Guitars are popular not just with amateurs but also classic musicians and insurers. A lot of insurance companies have come up with specific guitar insurance that makes your life easy and hassle free. It offers all the personalized insurance coverage that is necessary for guitar.

As a musician, if you are planning on investing in guitar insurance, then you need to think from the musician's perspective before actually investing in one.

If you are planning to invest in guitar insurance, you need to think from the instrument's perspective as well as your needs. The instrument has certain vulnerable parts, which if not taken care of can actually cost you more than you can afford. It is good if you know what the instrument can handle, and what needs to be insured. Let's take a look at how to choose the insurance for guitars

Know your guitar, and get to know what parts would need repairs in the near future. This is one part that might require some understanding and help from outer sources. You might want to consult someone who has an experience with handling guitars.

Along with the vulnerabilities in the guitar, you might want to know what kind of needs you have as an individual musician. For example, the instrument insurance would also insure your music and your compositions. This is a basic need for musicians, who are mostly involved with creating music that they forget to look after maintaining their compositions.

So, here's how you go about choosing the insurance

• Know your needs: If you don't know what you need, then you won't be able to identify the provider for the insurance. So, start with identifying the instrument and personal needs. If you want, you can always consult an expert in these matters, and figure out what they have to say. They might even be able to help you with buying the insurance that truly reciprocates your needs

• Identify the providers: When you have identified your needs, identifying the provider who can fulfil them becomes easy. You just need to pull out the list of providers who meet all that you have identified as your needs. Once this list is clear, then you can list out what they provide as part of the insurance

• List out their provisions: If you believe the providers you have listed can help you, then start comparing their quotes. Compare them based on the list you have made of all your requirements. This list will help you know who will offer you the clauses you want for the instrument

• Compare the premium: Based on your valuation of the instrument, and your list of needs, you would have set aside a premium budget. Now is the time to compare the premium amounts you would be required to pay for the guitar insurance. Choose the provider who is experienced and can offer you best-in-class solutions at affordable prices.

How Personalization Improves Your Musicians Coverage ?

Good music is a stress buster, one that makes you comfortable and peaceful from within. A musician creates several sounds that resonate with the words peace and yoga. As a musician, you need to protect not just your instruments but also your music and the studio perfectly. This is why a musicians coverage is a must. You need to make sure the coverage is personalized so that you don't end up taking a generalized cover. A generalized cover will help but, it will not cover the specific needs you may have.

What are your personalized needs?

• As a traveling musician, you may want a cover that can take care of your travel and other aspects involved. For example, you might want to protect the instrument you are carrying while traveling. It is also important to make sure you are insured for your health. These are some things that the musicians' coverage will take care of

• If you own a studio, a musicians coverage will help protect the studio in a much better way. You would be able to handle the various aspects of the studio, including the premises, the musicians you have hired, the compositions as well as the audio assets

• As a musician you are responsible for regular servicing of your instruments. If you fail to take care of these instruments, they can get damaged or useless with time. It is important to cater to the smallest damage that occurs in your instrument

• As a traveling or studio based musician, chances of your instrument or other musical accessories getting stolen is high. You need to protect your instruments in every way from being stolen and damaged. This is another personalized need that you should cater to when investing in insurance

You may say that when a ready-to-avail instrument is easily available, why there is a need to invest in a customized insurance solution? The answer is pretty simple

• A personalized insurance caters to your role needs. A teacher involved in teaching music would have different needs from the person owning a studio. Similarly a student may have completely different needs. A single type of insurance cannot accommodate the different needs, which is why you need to personalize.

• In many cases there is no need for worker's compensation to be added to your insurance. This is when you need to personalize, so that there is no unnecessary clause added

• You pay for what you ask the vendor to include. So, basically with custom solutions you are saving a lot of money

• Your premium would be less compared to that of ready-to-use solutions

• A musicians coverage can act double as your concert insurance as well as studio coverage, giving you enough liberties

It is not just about the choice of insurance but also about who you buy it from. It is suggested you do a perfect research before hiring the insurance solution partner for your needs. There are some amazing providers in this niche, and each one owns an expertise that is unbeatable.

A Guide to Investing in the Right Viola Insurance

A good insurance protects you from the disaster that you are about to face. It is always a good idea to think through your needs before investing in insurance.

As a viola player, and the owner of the instrument, you would have invested quite a bit of money into this instrument. Won't you want to protect it by investing just a little more in the insurance aspect? It is a sound idea to keep the instrument under the wraps of insurance for its long life and regular maintenance.

A good insurance allows you to take care of the instrument regularly, gives you service reminders and helps you find the ideal maintenance solution. It even helps you identify the vendors who will help you get the right solutions from the insurance you have availed.

Insurance companies: A guide to identify the right one

• While there are a lot of companies that offer insurance for musical instruments, each of them differs in terms of focus, and the instrument type they cover

• There are companies that cover only the wooden instruments while, others cover only the string instruments

• The companies also differ in the age group and the type of demographics they would be insuring

• The classification based on coverage included also occurs among companies. Some companies do not offer rental facilities for instruments while, some others offer the same

Insurance cover you should probably engage in
It is important to choose the right insurance cover for your Viola, which is why you need to consider the below factors

• Does it offer monetary compensation if your instrument is damaged and you need to rent another one? Does the company offer rental facilities and is associated with the right people who can offer you a Viola on rent immediately?

• In case your instrument is stolen, would the company compensate for the loss?

• Under natural or man-made circumstances, your instrument can be damaged. Is this covered under the insurance you have chosen for your Viola?

• During a concert, chances of instrument getting damaged while playing are high, which is why you need it covered in the insurance policy

Choosing the right provider
It is important to associate yourself with the right provider when it comes to insuring your Viola. Start with researching the right insurance provider. There are many, and you may want to shortlist based on your needs, and individual requirements. Check for premium and perils, as that can change many things when choosing an insurance provider.

The amount you have paid for the instrument should be covered with the premium, and the premium should be affordable. It should include various aspects and the accessories you have chosen with the instrument. In case anything gets damaged, it should be compensated by the instrument cover you have received from the company.

Are all your requirements covered in the instrument insurance you have just invested in? That is another important deal. If not, you might want to choose someone who has everything covered.

Finally, it all depends on the experience the person possesses. Choose the viola insurance provider who has the right experience, and can offer you valid solutions.