How to Get Musical Instrument Insurance for Your Cello

Are you planning to add a brand new cello to your strings’ collection? Well, a cello, known by many names, such as violoncello, French violoncello, to name some, is one of the most popular bass instruments of the violin group. And undoubtedly it feels great to play this instrument. But, what if your gear gets damaged beyond repair? What if you lose it? What if someone steals it?

It’s always a good idea to be prepared for the future and unexpected events that can pop-up out of the blue, like theft, damage, or loss. And such events, needless to mention, can not only swipe your savings on repair or replacement, but are also draining, in terms of time, effort, and emotions. 

Getting the right musical instrument is imperative

What do you think could be a better idea than getting cello insurance? Because, why not? Being covered under a comprehensive insurance policy means complete protection for your gear and peace of mind for you. So, before it’s too late and you are bound to put a pause on your performance due to a broken or stolen cello, it is crucial to find an adequate insurance plan. Always remember, pre-planning is better than scraping your wallet when you’ve already lost your uninsured cello to an unfortunate turn of events.

Here is how you can get yourself the protection of a Cello Insurance -

Before you sign on the dotted lines of your insurance agreement, it is vital to make sure that you are getting the right cover. The first thing to do in this regard is to get an appraisal for your insurance policy. Although you need to get multiple estimates from multiple service providers, qualified and experienced luthiers are the best person to get in touch with.

Importance of getting your gear appraised

Have you purchased a cello recently? Do you still have the receipt intact? If yes, then you can get an estimate for the sum of the purchasing cost written on the same.

Are you planning to buy a cello? If you haven’t bought one yet, then make sure to ask for an appraisal and include the same in the deal while purchasing it. It will help you avoid the extra charges for cello appraisal.

When it comes to buying a musical instrument insurance policy, you should not forget to consider devaluation aspects. Remember, the condition of your instrument will define its value in the market. Even a simple crack, dent, or a broken bowhead can decrease the overall value of your instrument just like that. Therefore, it is highly recommended to get all the repairs done, if any, before taking your cello for appraisal.

Find the right insurance agency

One of the best ways to get a cello cover is to find a reliable insurance agent. Because of the importance and increasing popularity of standalone musical instrument insurance plans, you will find a number of services providers operating in the state. Therefore, finding one isn’t a big deal. However, what you need to be careful about is - choosing the right agency. If you choose a service provider just like that, you might land in rough waters.

Two of the most important things you should not forget while looking for an insurance service provider are - their license and registration credentials. These documents are like benchmarks of quality, reliability, and experience.

Read your policy agreement for sure

You should seal the deal with your Cello Insurance provider only after reading your policy agreement thoroughly. In case, you are unable to understand any clause, do not hesitate to clear your doubts. It will make sure to get a suitable policy sans any hassles.

Is your Music Studio Protected by a Suitable Music Studio Cover?

Behind every musician, be it a junior artist or a head-turner, there is a music studio from where he/she might have embarked on his/her journey in the industry.

Behind every artist, there is a music studio to carry out their passion for music.

What’s the bottom line?

So, the bottom line is - every musician depends largely on music studios to make his or her dreams come true. It is a place wherein musicians, engineers, producers, technicians, and marketing professions spend hours to make a music album reach out to the audience. Therefore, it needs to be protected.

How to protect your music studio?

Do you own a music studio? If so, then you should not forget that for every such facility an adequate music studio coverage is essential. The reasons are - high level of professional exposure, legal intricacies, financial investment, and other complexities involved with the music industry. Therefore, it’s necessary to have protection against the unforeseen and unexpected scenarios that might pester you in the future.

As a studio owner, you probably know that the demand for music is very less likely to fade away with time, no matter what. You also know that owning and managing a music recording facility is a big endeavor in itself. And, just like any other business, it also involves several risks. Isn’t it? So, you need something to protect your business from the possible risks.

What’s that?

That something is a music studio insurance. It is a type of business insurance plan that is formulated to safeguard studio owners from many unwanted scenarios. It includes - third-party lawsuits, loss or damage to the property and its belongings. Reliable insurance providers offer different types of coverage plans that allow the owners to tailor their music studio cover according to their needs. So, whether you own a small home studio or a professional one, a customer-oriented music insurance service provider will keep you covered.

Different businesses, different needs, different policies

Frankly speaking, today’s market and business environment are highly competitive. So, in order to get going, you need to leverage every advantage and opportunity that comes across. And, because music recording studios are not similar to any other business, you need to insure these accordingly. To live up to the specific requirements of the music studios, you need specialized insurance policies that make sure that each and every aspect of your business is covered properly.

So, let’s see how important is studio insurance for music studios!

Liability coverage

Liability coverage is one of the most crucial components of a music recording insurance plan. There are many situations that might land you in rough waters of a lawsuit. And, as usual, the fees of legal defense can make you shell out a fortune.

Fortunately, a suitable insurance policy from a good service provider is likely to cover all such expenses. Liability cover includes - product liability cover, general liability cover, special event liability cover, rented property liability cover, worker compensation insurance, etc.

Property and asset coverage

An effective musical studio insurance plan is also likely to cover your property and assets. It might include - equipment breakdown insurance, building property cover, the continuation of income coverage, employ dishonesty insurance cover, are to name some.

Plus, a suitable insurance plan for your music studio is likely to cover your property and assets in case of loss and damage due to natural calamities and catastrophic events.

Get your plan now!

Now that you are aware of the benefits that a Music Studio Coverage brings along, find a reliable and reputable insurance service provider, and get protection for your music studio, right away!

Always remember that for a music studio owner, getting a recording studio insurance plan is a smart move.

How to Find the Best Pick Among Music Studios in New York?

What is the most essential requirement of an aspiring musician? A state of the art music studio, of course! When it comes to creating the best quality music, the quality of the studio matters a lot. If it does not have good facilities needed for coming up with a musical masterpiece, there is no point in investing precious time, money, and energy in it. But finding a great music studio is easier said than done. It involves lots of research as well as experimentation to sort out the best studios, which specialize in music production. So, how to find the most useful studio that will fulfill all your musical needs? Which things do you need to be aware of while choosing one to work with? What actually makes a music studio awesome? We have all your answers.

Read till the end and find the best pick among the music studios in New York to create the most amazing and perfect sound.

 
1. Well-Equipped with Advanced Technology

A modern music studio houses all basic equipment that is necessary for producing regular tracks. But while trying to achieve both quality and versatility, you need to look beyond it. The studio must be equipped with the most advanced technology in order to amplify your music and bring life to it. Hence, take a tour around the studio premise and make sure that it has ample number of instruments and equipment to offer to the artists.

2. Many Years of Experience in the Industry

The experience of a studio in the industry has a huge impact on the music produced in it. If you are expecting the most fruitful results, you have to work with a studio that has been in the business for a considerably long time. Newer studios may not have enough proficiency in pushing the freshly produced tracks to reach their full potential. So, choose only an old music studio for your optimal success.

3. Knowledgeable and Co-operative Staff

Talk to the members of the music studio and try to understand whether they have the same vision for your music or not. Lining up your visions is crucial as it helps in accomplishing the goal quickly, smoothly, and efficiently. They should also have sufficient knowledge in their respective domains for hitting the target without compromising with the quality. It is a bonus if the studio members are friendly and co-operative in nature.

4. Lively and Highly Creative Environment

Production of music is one of the most exciting creative processes and a studio must encourage it from all aspects. Therefore, the environment of the studio should allow your mind to run as free as possible. It will not only inspire you to think out of the box but also let your creative juices flow. As a result, you will be able to produce wonderful musical pieces.

5. Affordable and Competitive Rates

Though working with a music studio can make your dream come true, it can turn out to be an immensely expensive affair. Most of the studios charge artists at hourly rates, which are significantly high. Thus, you can find yourself in the budget crunch if there is a delay in the production of the track. For any serious artist, exploring the studios out of the town is always a wise idea as they can offer cheaper rates compared to others. It will keep you worry-free about the release of your song and give you complete peace of mind.

There might be hundreds of music studios in New York but keeping the aforementioned points in mind will help you choose the right one from them easily. So, just start your hunt for the master class studio in the city and settle on the most satisfying services.

Buy a Specialized Insurance Policy to Enjoy the Best Musical Instrument Coverage

To a musician, a musical instrument is much more than a mere tool for creating music. The bonding between the two becomes so strong over time that it is sometimes even considered as the truest companion of all living objects. Some century-old instruments that are still in use carry immense value to their owners while the keepers of modern delicate items consider them as stunning pieces of art. All these prized possessions need to be stored, maintained, and protected well, right? But what if they get damaged, stolen, or completely lost? That is why you need to invest in a unique insurance policy offering exclusive instrument coverage. If you are worried about your beloved musical instruments, go through this article to know more about how specialized music insurance can help you the most.

Homeowner’s Insurance vs. Instrument Insurance

Yes, your homeowner’s or renter’s insurance comes with extended coverage for your musical instruments. But if you feel that it is enough to keep them protected anywhere anytime, you are wrong! A homeowner’s policy is designed to protect your personal property, which includes your musical instruments. But it has its loopholes. Typically, it covers your instruments as long as they are inside the home. You can also not expect your instruments to be safe during a flood. Apart from its limited coverage, you need to pay deductibles too. Hence, a homeowner’s insurance is only good for a music lover, who plays the instrument casually at the home studio.

On the other hand, independent musical instrument insurance offers specialized coverage for protecting your music-related belongings in all circumstances without any deductible. If you are a performer, who needs to travel with your valuable instruments, you can certainly count on it. The extensive coverage also ensures the safety of your instruments during all types of a natural disasters. In short, separate insurance for musical gear can meet the expectations of all professional musicians, instrument collectors, and music dealers perfectly.

Which Instruments are covered by the Policy?

Being a specialized form of insurance, a musical instrument policy covers almost all types of instruments. They are categorized by insurance providers to streamline the procedure. Usually, the most common categories insured by such policies include string instruments (classical, acoustic, and electric), brass instruments, electronic instruments, woodwind instruments, reed instruments, bass musical instruments, percussions, pianos, harps, harpsichords, clavichords, and so on. Besides, other items like accessories, tools, electronic gear, and recording equipment are also included in it.

Coverage Features of Instrument Insurance

If you invest in good music insurance, you can enjoy some of the most unique benefits for your instruments. Following are the best things about such policy coverage:

•    Custom-made and comprehensive coverage that caters to the individual's needs of the policyholders
•    Coverage extends to anywhere in the world irrespective of the location of the instrument
•    Covers almost every possible type of risk, such as damage, theft, loss, breakage, and natural calamities i.e. flood, earthquake, storm, etc.
•    Offers the ‘Agreed Value’ for the replacement of an instrument in case it is lost or destroyed
•    Reimburses the loss of earning, which is caused due to the damage or loss of an instrument

While purchasing your musical instrument insurance, it is important to find a company that specializes in it. This will make sure that you get the best instrument coverage for your precious possessions and help you stay Affordable rates of premium based on the declared values of instruments, locations of storage, frequency of playing, career profiles of policyholders, and so on assured.

Everything You Must Know About Musical Instrument and Audio Equipment Insurance

When it comes to producing wonderful music, we need much more than just natural talent and artistic vibe. Even the most euphonious melody sounds incomplete without the presence of appropriate musical gear. It does not matter whether you are a simple hobbyist with a small recording setup at home or the owner of an entire studio being used for professional recording. Investing in premium-quality musical instruments and state of the art audio recording equipment is essential for all scales of production to take the creation to the next level. So why not make an effort to keep them protect-ed? Here comes the importance of musical instruments and audio equipment insurance. With the coverage provided by such insurance policies, you can always stay assured about the safety of your musical gear. Want to know more? Keep reading.

What is Insurance for Musical Instruments and Audio Equipment?

It is a type of musician’s insurance, which is specifically designed for people associated with the music industry. It makes sure that you do not need to pay out for expensive repairs or replacements during unexpected yet unavoidable circumstances. Depending on your exclusive insurance needs, this cover can insure all your beloved musical instruments as well as audio recording equipment against a myriad of different aspects. While an ordinary household policy ensures the protection of your gear inside the home, a specialized policy can safeguard your financial investment in your musical instruments and recording gear even off-premises. It also keeps your prized items well-protected instead of covering a limited percentage of their values.

What Does the Insurance Policy Coverage Include?

An all-inclusive musician’s instrument can cover any risks that may threaten the lives of your instruments and equipment. These include:

•    Theft from your insured location or home through forced and violent entry or exit
•    Theft away from the insured location or home, especially during transit
•    Theft from a securely locked motor vehicle when left unattended in it
•    The loss happened during the transition of the instrument or equipment
•    Accidental damage resulted from sudden, unintentional actions of you or others
•    Malicious damage caused by deliberate harm or vandalizing
•    Damage and loss due to fire, smoke, water, moisture, lightning, explosion, and natural disasters (flood, wind, earthquake, etc.)

Which Instruments and Equipment are covered under Policy?

Your musician’s insurance can shield your favorite musical gear always – in storage, on the move, and during the performance. But before purchasing one, you must know about the insurable items.  Such policies usually cover all types of musical instruments along with their accessories (bags, holders, straps, cases, stands, sheet music), audiovisual equipment (lights, microphones, speakers, transmitters, amplifiers, mixing desks, PA systems), cameras and their accessories (lenses, tripods), editing and projection equipment (monitors, desktops, laptops, software), and so on. This applies to both owned and rented instruments and equipment.

How to Find the Best Insurance Company for Your Policy?

Now, as you have gained enough knowledge about the musician’s insurance and its coverage, it is time to invest in it for ensuring the optimal safety and security of your musical gear. Make sure that you find the most reliable company offering the most affordable policy. Following are the points you need to remember while finding the right insurance company for yourself:

1.    A company with many years of industry experience can understand your needs better than others and hence, can customize a unique policy for you.
2.    The best coverage provided by the company should reimburse the full insured value of the lost item as well as the full repair costs of the damaged item.
3.    Your company must offer worldwide coverage for your musical instruments and recording equipment so that you can take your policy with you wherever you will go.
4.    Though the annual premium of your policy will depend on your overall insurance needs, make sure that you do not need to pay hefty amounts for that.

If music is your passion and recording is your profession, you should consider the idea of buying musical instruments and audio equipment insurance seriously. So, are you ready for it?

Gibson Les Paul Guitar Insurance – The Best Choice for Your Most Treasured Instrument

Every musician shares a very unique bond with his beloved instrument. The attachment becomes even more special when it is something as iconic as a Gibson Les Paul guitar. And why not? After all, it is the pivotal collaboration between the brand Gibson and the brilliant guitarist Les Paul that helped shape the sound across popular music genres like rock, blues, metal, and their modern offshoots.

Since 1952, the solid-body electric guitar won the hearts of some of the world's greatest guitarists including Eric Clapton, Jeff Beck, Jimmy Page, Marc Bolan, Slash, etc. with its rich, midrange-focused tone. During its Golden Era (the ‘50s and early ‘60s), the brand came up with dozens of variations, which gradually fell out of favor for weight and cost issues.

After that, Gibson-LP experienced resurgence in its production in 1968 and a modern collection was also built on its legacy of innovation paying tribute to the original collection. However, it is still that classic ‘old-fashioned’ instrument, which is considered as the ‘most desired guitar ever made’.

So, if you are one of those fortunate who has an original Gibson Les Paul guitar in his collection, you just cannot afford to neglect it. Can you? Here comes the importance of investing your time and money in finding the right insurance for it.  

Why Insure Your Gibson Les Paul Guitar?

....Because it is a treasure rather than a keepsake!

Just have a look at the beautifully carved maple-top instrument with the signature set-neck construction and trapeze tailpiece. The enchanting appearance is even coupled with the extreme sonic versatility along with an amazing ability to sustain notes. Each Gibson-LP instrument truly reflects quality, authenticity, and precision, which make it the most coveted guitar on the planet.

The iconic status of the guitar combined with its wonderful playability and perfect retro vibe earns it the title ‘vintage’. And when it comes to the world of music, the V-word carries a lot of stature. Musical instruments that are considered highly collectible items have a huge market. These days, even sparkling-new instruments from lesser-known brands are getting aging treatments to command greater values and bigger price tags.

Hence, it is needless to say that investing in a Gibson Les Paul guitar insurance will help you take the maximum care of your instrument and enjoy its ‘vintage value’ at the same time.

Tips To Pick the Right Policy Coverage

Your Gibson Les Paul guitar is one of your valuable possessions. Make sure that you find the most suitable coverage for it. The following tips will arm you with proper knowledge so that you can stay prepared for the worst:

1.    Choose stand-alone musical instrument insurance over a commercial insurance floater for comprehensive protection.
2.    Opt for a specific guitar insurance plan that will be tailored for the unique needs of your elderly instrument.
3.    Check if the policy covers a wide range of circumstances or not as this will make your experience smooth and hassle-free.
4.    Verify whether the premiums you are supposed to pay are well-worth the benefits you are about to receive.

How to Maintain Your Gibson Les Paul Guitar?

While purchasing Gibson Les Paul guitar insurance will offer you peace of mind, it is still highly recommended that you preserve your instrument well. Any kind of repair or modification will reduce its value. Therefore, look after your vintage guitar and act with consideration. Take note of the following maintenance tricks to get the best results:

•    Whether you are an amateur guitarist with the classic guitar in your collection or a performer who travels with it, spend for a high-quality case. This will protect the instrument from all sorts of damage.
•    Poor storage can harm your instrument badly. It is crucial to store it the right way for keeping its charm and elegance intact.
•    Be as much care as possible while handling your guitar. It will not only lessen the risk of accidental damage but also minimize regular wear and tear.
•    Take care of your vintage guitar in public places. Never leave it unlocked or unattended.
•    Increase your home security by choosing visible deterrents like closed-circuit television cameras, burglar alarms, fences, etc.

The more you will care, the safer your Gibson Les Paul guitar will be. So, pick your way to a better insurance plan and ensure its optimal safety.

Flute Insurance - An Integral Part of Flute Maintenance

A euphonious instrument known for its enunciated and deep notes, a flute produces music that’s refined, comforting, and rich. And, a flutist weaves magic with this melodic woodwind instrument. If you are a trained flutist or an aficionado, your tool is perhaps the most cherished and treasured thing to you.

Always remember that the way to take care of your musical instruments shows directly on the sound quality and clarity of the same. Plus, it also affects the longevity of the gear. Therefore, it is necessary to take proper care of your flute and make sure that you clean and maintain it from time to time.

Even a new flute needs routine care to give its best and keep in good working condition. So, if you have purchased one lately and think that it can do without cleaning for at least a week or two, you are wrong, dear reader.

We’ve rounded up some tips to help you keep your woodwind instrument clean and protected from possible damages. Also, besides cleaning and maintaining, there’s one more aspect, probably the must-not-forget one that we'll discuss below. And, that’s getting your gear the protection of the best Flute Insurance. So, let’s get started!

Moisture removal from the body

As flutes are mostly crafted using metals like silver and gold, needless to mention, these instruments are likely to be expensive. Any moisture sitting on the body of these musical gears can damage them. Therefore, keeping the body dry and clean is most important. Here is how you can keep it clean -

● Take polishing gauze and put it through the slot on the cleaning rod’s tip.

● Now clothe the cleaning road with the gauze. Make sure that the metallic part of the rod isn’t open. Or else, it can get scratches on the body of the fluid.

● Turn the cleaning rod in the direction in which you have wrapped the gauze. It will help you get the moisture removed from the flute’s main tube.

● Unlike other instruments of the woodwind family, you cannot clean the flute’s head joint with swabs. However, clarinet swabs can be used to clean the foot joints and body.

Moisture Removal from the pads

Pads usually get damp after you play the flute. You can remove the moisture by doing the following -

● Insert a cleaning paper in the vacant spaces between the flute’s tone holes and pads.

● Thereafter, press the key gently for a couple of times and repeat this process 2 to 3 times. Make sure to insert the paper into different spots.

● In case the pads of your flute have become sticky, try applying powder paper.

Dirt removal from the body and overall cleaning

Silver-made flutes get oxidized easily due to oxygen build-up. Therefore, it’s important to keep your gear dirt-free -

● Use a polishing cloth and wipe through the body length of the flute gently.

● To prevent your flute from discoloration, make sure to play it every day.

● If you see dark spots on the body of the flute, only a polishing cloth would not help. You can try using silver polish or silver cloth.

● Screws in your gear might loosen often naturally. Do see to this once in a while and tighten those, as and when needed.

● Oiling the moving parts of the flute once in a while is important. However, avoid over-oiling.

Now, let’s move on to one of the most important, yet overlooked part of having a musical instrument. Yes, it’s insurance for musical instruments.

Flute Insurance - An overview

While your homeowners’ insurance plan does cover your musical instruments, a standalone insurance plan is the safest bet. The reason - a household insurance policy covering your music instruments and accessories has certain limitations.

For example - if you practice outside your home, say at a studio or a concert hall, or if you perform at various places across your state, your homeowners’ insurance is less likely to protect your flute if it’s damaged or stolen. So, it will take you to pay out of pocket for the replacement instrument. Plus, you won’t be eligible for a no-claim bonus either.

Wait! Your standalone Flute Insurance will not only protect your instrument against damages but also cover it against theft in and outside your home.

If you often perform for a live audience, public liability insurance is something you should not avoid. First of all, most of the venues these days need you to have this cover to allow your perform. Secondly, with comprehensive insurance for musical instruments, you are protected against possible mishaps.

So, find a reliable insurance service provider and get the right cover, right away!

Do Comparative Analysis Beforehand and Get the Right Musicians Insurance Plan

Whether you are an expert musician or simply a hobbyist, you put in your time and effort keeping your instruments spick and span. You clean your violin under its bridges, replace the strings of your guitar, and pamper your gear, as much as possible.

However, is that enough? Will it protect your instrument against theft, fire, and elements of nature like storm, earthquake, etc.?

Well, taking proper care of your musical instrument also means protecting it from every possible damage and peril. And, you can do it by investing in Musicians Insurance. It will not only protect your instrument but you, as well from the associated liabilities.

Certain home insurance plans do cover your musical instruments. However, with most of these, you’re not likely to get a comprehensive cover. Therefore, a standalone policy is the safest bet.

What’s covered under musical instrument insurance?

A customer-centric insurance provider generally covers most types of musical gears and accessories. It includes -

●    Traditional musical instruments like guitars (acoustic and electric), clarinet, pianos, piccolo, drums, and others

●    Stage equipment such as microphones, speakers, PA systems, smoke machines, lights, etc.

●    Studio equipment such as records, CDs, computers, mixing gears, turntables and all.

●    Associated accessories like amplifiers, bows, drumsticks, cases, adaptors, and pedals.

What instrument coverage will protect against?

Most instrument coverage plans protect you against the following -
●    Theft, loss, and accidental damage - This policy inclusion covers your musical instrument if, unfortunately, they are lost, damaged, or stolen. This feature is more or less standard with most musical instrument plans. However, you should always compare various policies before buying one.

●    Public liability - This policy gets you covered if you have injured someone or damaged his/her property which your on-stage performance or training sessions. This aspect of musicians insurance is crucial for you. So, check with your insurance provider beforehand.

●    Personal accident cover - What if you got injured during a stage show? What if the accident made you bed-ridden or you lost your eyesight or limbs? A personal accident policy will cover you against all such unforeseen situations. It is highly advisable to get this cover included in your musician cover.

●    Coverage across the globe - As you are a musician, you might have to travel a lot, even abroad. What if your instrument is damaged or you are injured in a foreign country? What if someone else sustained any kind of bodily injury or property damage because of you? An insurance plan you choose should offer worldwide coverage. Make sure to clarify the same with your insurer before buying a policy.

So these are some of the standard features that you can avail with an insurance company on purchasing a musical instrument insurance policy. However, you can always customize if or not you want a particular cover. For example - if you love playing guitar, but don’t perform in public, getting public liability cover is not necessary. Just having your guitar covered for accidental damage, theft and loss would be enough. So, be informed, know your needs, and then decide on the extent of coverage you need.

How much does a comprehensive insurance coverage cost?

Well, the amount of money you need to shell out on a comprehensive insurance cover depends on certain factors including the extent of coverage, policy inclusions, policy exclusions, the sum insured, premium, deductibles, cancellation charges, etc. So, it is more likely to vary from one service provider to the other. So, make sure to confirm everything with your insurance service provider before going into the agreement. With a reliable and customer-oriented service provider, you will always get upfront price quotes without any hidden games.

Is it important to compare various policies?

Yes, policy comparison is important because it allows you to choose a suitable policy after analyzing several policies. It helps you understand which insurance plan offers what. Once you have a clear idea about the inclusions, exclusions, and other relevant aspects of multiple insurance plans, it will become easier for you to choose the most suitable plan according to your needs.

How can insurance plans help you burning holes in your pocket?

Let’s consider that you don’t have any insurance coverage and your musical instrument gets stolen or lost or damaged. How will you pay for buying a new one or repairing the damaged one? From your pocket, right? Needless to mention that buying and repairing musical instruments can be expensive. However, if you had insurance coverage, you could have saved a lot of money because your insurance provider will be taking care of the finances. Plus, it also saves you the mental hassles you are most likely to go through.

We know that nothing can take the place of your beloved musical instrument. However, with a reliable Musicians Insurance service provider by your side, you can at least shoo away the financials issues.

Shed your worries to Violin Insurance

Music isn’t always about relaxing or enjoying but it’s also about the various instruments which are being used to make it more melodious. For a singer, voice is precious and how a sore throat can bring stress to the performer. Similarly, for those musicians who have expertise in playing instruments have a lot more presence in their instruments. The major concern is for the safety, damage or what if someone drops it then the entire instrument and it might go for a toss. For a musician, his every breath connects to their instrument and how the inevitable fear of losing it at any point in time might be a thing to worry about.  It matters the most if a musician’s instrument is totally different in all terms, rare or it might be customized in a manner as per their need.

Also, as they practice regularly on these instruments, they know how to tune them and what’s best they can live with it. Not to mention, for a musician, instruments are like their baby and the love and attachment to it cannot be ignored. This is the reason why insuring music instruments are important. Like many other instruments Violin insurance can bring down your worries to none and you can pay attention to your learning and performance.

For a violinist, keeping his violin safe is the utmost priority. It doesn’t matter if you are the beginner, running a music school, a violin teacher, or a well-known professional, the violin insurance is for all. There is always a concern in the back of mind that what if the violin is stolen or damaged during travel and you have a performance to give.

Things might go critical on stage or even much before. And imagine if something unexpected happens then how much would be replacement cost at that moment when it's most needed. The most important which is about expenses and who will bear the cost? These kinds of questions might pop-up regularly for musicians and bring unnecessary stress which is beyond control.

Insurance for music instruments is different from the homebuyer’s insurance and so the benefits. Homebuyer’s insurance doesn’t cover any musical instrument if damaged. But instruments are as expensive as any other thing and if you’re an expert musician then instruments become more customized and precious.  Violin Insurance protects you against the risk associated with it. There could be multiple risks like damage due to fire, travel, theft, if it’s lost during travel or what if someone drops it, damaging the valuable violin.

Violin Insurance also offers temporary replacement or reimbursement while you search for the new instrument in case of emergency. And making sure that your violin is insured with the right value, keeping it safe and helping you to concentrate only on your performance rather worrying about the safety of the instrument.

For a musician, the biggest concern is keeping his instrument safe as this is the only asset he is recognized with and a part of his life. One can imagine the mental load while they travel for their performances and how important is to keep their instruments in the safest place to avoid any contingency which might create havoc for a musician. Musicians are creators, artists and so their instruments. They spend their whole life learning through them or creating soulful music. Considering these aspects insurance for music instruments becomes vital which can only give them peace of mind while they can only concentrate on their performance!

Guide to Choose Audio-Video Equipment Store Insurance

Your audio-video equipment store is more than just a store. It is an adobe for you, your safest haven. Well, if you are a musician or a music enthusiast, then owning a musical instrument shop should be especially rewarding for you. It allows you to live your passion while conducting retail business operations.

For musical instrument insurance shop owners, their shops mean a lot to them. A shop means a lot of investment involved in terms of time and money, and hundreds and thousands of dollars instruments and accessories. In simple words, a shop means livelihood.

As an audio equipment store owner, you know things better than anyone else does. And, like everyone else, the last thing you would want to think about is unforeseen situations like flooding, burglary, fire, catastrophic phenomena, and other accidents, interfering with the flow of your business. However, such misfortunes do strike, more often than we think.

Many audio-video equipment store owners are uncertain if or not their standard business or homeowner’s insurance covers their stores, musical instruments, and related accessories. And, in light of the uncertainties that can unfold at any point in time, getting standalone Audio Equipment Insurance makes a lot of sense.

Go for standalone not home alone!

Jokes apart...

Insurance policies are all about covering risks. And, insurance companies need to understand the risks a policy seeker is subject to in the first place. It's then only the service provider can come up with the right insurance solutions for that particular insurance holder.

Let's take an example.

A homeowner's insurance plan is designed to protect the risks a building face, provided it is being utilized as a home, not a commercial music studio or shop. Nevertheless, many home-studio or shop owners think that if a disaster strikes, their standard homeowner’s insurance will cover them. However, that might not be the scenario all the time.

With a plethora of insurance service providers showcasing a variety of products and services, it’s hard to say which plan includes and excludes what. However, getting standalone audio equipment insurance is always a good idea.

Ample availability of insurance options is like the two sides of a coin. On one front, you have so many to choose from, whereas, on the other, you end up in a dilemma. And, it's indeed taxing when you cannot decide on the most suitable option for you.

So, before you zero in on a musical equipment insurance policy, make sure to consider the following questions -

1. Does the policy you intend to choose cover flooding?

2. What if the inventory of your audio-video equipment is destroyed? Will your insurance provider compensates for the purchase price?

3. What if the instrument you shipped lately turned out to be damaged? Will your insurance provider compensate for the same?

4. What if your store is damaged in a catastrophic accident, say thunderstorms or lightning, leaving you to shut down your store for a month?

5. What if you are responsible for the accidental and unintentional damage to the building your store is located in?

6. What if a customer gets injured while touring your store?

Considering these questions at the time of policy purchase is important because you will never want to make a claim only to learn that your claim cannot be fulfilled. Besides the aspects associated with your retail business set, there are many other things to think about, like -

You need special coverage for the musical gears and accessories that you won but are not stored in your store because you give those on rent.

Plus, how can you forget about repairs and replacement? These can come very expensive. Therefore, having proper insurance coverage helps your savings protected, if you need to repair or replace instrument(s). However, if you choose a customer-friendly service provider, you are more likely to avail upfront services.

Choose a service provider that’s true to its claim

Choose a good Audio Equipment Insurance service provider that’s endorsed by the regional and national musician associations and is recognized by the leading music networks. Accreditations and endorsements say a lot about the reliability of a service provider.

Let No Threat Affect your Music with Instrument Coverage Insurance

Are you passionate about your art, which is music? Then there is no point in allowing any threat to stop, even for a while. Accidents do happen and they come without knowing the door. And the last thing you’d want is to stop the tunes that make your life. Not only it can be frustrating, but it can also be expensive too. Especially when it is an accident and you’re reasonably unprepared to afford the bulky price of repairs or replacements.

Getting your musical instruments secured with the best quality Music instrument coverage is, without any second thought, a very essential, least you don’t want to end up in a fuss with the damaged instrument. However, do note that, not a every insurance for musical instruments are worthy, and are crafted to meet the most demanding of the mishaps.

The most worthy insurance for musical instrument coverage would be the one that is holistically crafted in a way that meets the most distant occurrences possible, one that is worldwide, so that the place of the mishap doesn’t stand in between your ways to get the coverage among other factors.

Clarion coverage on musical instruments is created keeping in mind to provide the best possible insurance coverage to the clients who’re not only owners of musical instruments but also recording equipment. For over the last 25 years, Clarion Associates, Inc. has been providing undisputable support to the owners of the music industry with best instrument coverage. With their time and expertise in the market, you can only expect masterful support that you’ll have a hard time finding otherwise.

Why Clarion Coverage?

These are the major, among many other features why you should go for Clarion.

1.    Widely recognized by

You know when a product is safe to go with when there are the best names of the particular industry that recognizes the product. Clarion coverage of insurance for musical instruments is not only time tested but widely recognized. The Alexander String Quartet, Foghorn Classics, Target Markets, USC Thornton School of Music, Berkley College of Music, New England Conservatory and many others recognize the Clarion insurance for musical instrument coverage.

2.    All Risks? Covered

The instrument insurance covered all the types of damages and theft possible, except for the few excluded in the policy.

3.    Worldwide Service

No matter wherever on earth the instrument is located, their service will get it covered.

4.    Value Difference? Covered.

Clarion insurance does an amazing job in covering the value difference prior and posts any accident or mishap with the musical instrument. What does it mean? It means that they will cover the difference in the value of the instrument before and after the loss, alongside obviously covering the cost of repairs of the damage.

5.    Borrowed Instrument Insurance? Covered.

If you’ve borrowed any instrument, Clarion gives coverage of 30 days for free with your policy. To get that into effect you’ve got to notify the company within 48 hours of taking possession of the instrument. In the event of claiming, the company will pay the price equivalent to the highest value of your instrument in the policy or $50,000, whichever is less?

6.    Inflation Guard? Covered.

If your instrument in less than two years old, you will be eligible for this inflation guard coverage. For this, your instrument has to be newly manufactured and must fall in the time-frame stated.

These were the major features that make Clarion stand on the crown of many other insurance policies. It is superlative and future-proof to the most extent possible.

Guitar Insurance – Protect Your Strings in the Best Possible Way!

What if your vanity van catches fire or your guitar gets destroyed by flood or any other elements of nature? What if someone breaks in or torches your house or steals your precious guitar? Emergencies are always uninvited and unfortunate. And, only the right protection can shield your prized possessions and provide you with peace of mind. So, if you are a musician or play guitar as a hobby, Guitar insurance is a must-have for you. It’s the only way to protect your monetary investments in terms of your string instrument and relevant accessories and gear.

Isn’t your homeowners’ insurance plan enough?

There are a number of guitarists and other musicians who mistakenly think that their renter’s or homeowner’s insurance will get their guitar covered. They fail to understand that such insurance policies are designed to cover residential buildings in case of fire, flood, earthquake, and other related scenarios. To the utmost, a homeowner’s insurance plan will cover minor scratches, etc. However, what if your guitar has been stolen or gone completely beyond repair? These scenarios will not be covered under a homeowner’s insurance policy. For the complete protection of your gear, you’ll need to buy dedicated instrument insurance. In fact, a large number of professional musicians do prefer insuring their musical instruments and accessories under a separate insurance.

How can you get a suitable replacement for your prized guitar, if not the real one?

All insurance brokers or agents are not necessarily guitar players or musicians. Therefore, it’s hard for them to realize the actual worth of your guitar or the actual replacement cost. And, the majority of the homeowner’s plans have caps on the basis of category or item. For example – the price of your Les Paul is $ 10, 000 and it’s destroyed when your home was torched. And, you filed a claim with your homeowners’ insurance service provider. They can replace your vintage Les Paul with the latest one that costs much lesser than the one you had. However, if you had a dedicated Gibson Les Paul insurance, they would have recognized the actual worth of your guitar and would have helped you get the right replacement for it.

How can you get started?

After learning that as a musician, you are less likely to do without the right musical instrument insurance, you’re probably looking forward to getting started with it. However, before you start getting in touch with insurance providers, you should itemize a list of the instruments and accessories you want to insure. It will help both you and your insurance provider in the long run.

How about the cost of musical instrument insurance?

How much you have to shell out for getting your guitar covered? Are you wondering about the same? Well, the price of good guitar insurance can vary from one service provider to the other and on the extent of coverage you chose. Whatever it is, it will not burn holes in your pocket, provided you’re covered under a reliable and customer-oriented insurance service provider.

Dear reader, the music never dies, it’s eternal and heavenly. It can neither be stolen nor be destroyed. However, your instruments are susceptible to loss, theft, and all the elements of nature. Therefore, it is crucial to shield it against possible threats to it.

Get Your Favourite Drums Insured Before Losing Them

A musician, like a drummer, puts a lot of thought and effort in selecting the correct drum for themselves. If you don’t have drum insurance, then there are a few things you need do to secure your drum and keep your drum looking and seeming like new.

Daily maintenance and care & a well-fitted drum case will guarantee your drum is with you for quite a long time to come. However, these simple steps are okay but the best protection is to get drum insurance.

Given below is a list of simple steps which will help you in taking care of your drums and expand their life:

• Occasionally, you might neglect your drum due to other preoccupations and being busy in other activities with your friends or family members. At such times it is best to detune the drum when it isn't in operational use. The steady strain on the skin can cause wear and not using it once in a while will expand the life of the skin. In case you are wondering then be assured that wear and tear issues are covered in musical instruments insurance.

• Given the delicate skin of the drum, it can get a rubdown sometimes. When the skin dries, it is best to use a light covering of oil or moisturizer on the skin which will help to rehydrate it. Hydrated skin is good, and this regular oil treatment will keep your drum sound and look great. It would be good to test a modest quantity of oil on the skin to make sure that no unwanted discoloration happens. If you have decent drum insurance then these problems of discolouration, etc. will be covered in it, just cross check with your insurance provider.

• It is also useful to store your drum in a cool, dry spot. Too much exposure to the sun makes ropes and skins fragile. Dampness may bring about mould. It can also cause a foul smell. Nowadays, drum insurance covers these aspects as well, and you need not worry about them.

• An appropriately fitted, cushioned bag will ensure enough protection to your drum during transportation and storage. A cushioned pack will offer most assurance for your drum. However, cloth bags are also available which can be used and are less costly too. A pack that is too big won't offer the best possible security, and a bag that is too little may just not be a good idea.

• You should also make it a habit to regularly take care of your drum. If treated well, your drum will be your reliable partner for a considerable length of time to come.

Nowadays, it is very easy to find correct musical instruments insurance and you can easily look for it online. You should look for one which will give you a customized solution based on your individual needs. You should compare insurance rate quotes. Careful analysis of the needs and then deciding the insurance provider will surely help you in getting a good deal for sure.

Reverences by Resources: - http://zordis.com/get-your-favourite-drums-insured-before-losing-them

Things You Should NOT Do While Buying Saxophone Insurance

A musician always carries a gear worth $5,000 into a $500 car. This is quite interesting, no? It is indeed. But have you ever thought how difficult it is to carry an expensive musical instrument without any protection? Protecting your equipment, while you are on road, is a must.

The musicians often do several things to keep their equipment, especially their saxophones,  protected. But, being inefficient or without the help of the proper guidance, they sometimes make mistakes which cost them a lot.

Choosing the right insurance service is a daunting task for musicians. This is true that musicians’ insurance services protect them from financial loss, build their business and safeguard their equipment, but when you make any mistake in choosing the right service provider, it can be a great loss for you. You should be careful while choosing insurance for a single musical instrument, like saxophone insurance.

To help you keep protected from making major mistakes, we have listed a few things that you should avoid while shopping insurance for your musical instrument. Read on –

1.      Don't depend on single insurance coverage:

If you have homeowners’ insurance and you are assuming that your equipment is safe, then let me tell you it is safe only when you are at home. But, a musician never stays at home and they have to carry their instruments wherever they go. In fact, if you want to protect your saxophone, musician insurance might not cover every part of the instrument and every circumstance it gets damaged.

2.      Don’t Buy too many insurance policies:

Buying too many insurance policies for a single instrument might affect you as same as single insurance coverage. Be wise enough to choose your coverage smartly. If you choose the right instrument coverage, it will include worldwide coverage or inland marine coverage. Purchasing multiple insurance policies, except the right one, is just a waste of money.

3.      Don’t go for shorter terms:

People often choose shorter term so that they can pay lesser premiums. But the truth is, this can cost you more in the long run. This is because you have to buy new insurance for your musical instrument, which might be more expensive. So, it is recommended to choose long term insurance for your musical instrument.

4.      Don't choose an insurance provider in a hurry:

While buying Saxophone Insurance, the most important part is to choose the right insurance provider. It is quite overwhelming for people to choose the best one, and they often make the wrong decision in a hurry. Remember, this is not the proper way to choose your insurance provider. You have to conduct extensive research if you want to make the right decision. Consider the honesty, efficiency, professionalism and transparency of the company before finalizing them.

The safety of your favorite and precious instrument is in your hand. You know how to protect it. All you need to do is to take the right step to avoid any mistake. Also, don’t forget to find the best insurance provider, specialized in providing musician insurance, so that you get complete guidance from them.