Choosing a Right Cello Instrument Insurance Saves You from Bad Days

You have dedicated your life to music, and your cello has become an inseparable part of your life that you cannot do without - both professionally and emotionally. You take the best care of it and are free from worries because you know that your home insurance is protecting your cello and other musical instruments (if any). However, there is a huge gap between what you know and what the reality is. Yes, your home insurance is there for you. But, when it comes to musical instruments that are associated with your livelihood, you need to double-check your facts and reconsider your decision of having only your home insurance to protect your gears and no Cello Insurance.

A big-figured premium on your home insurance cannot save your day!

What if your father shelled out a huge amount on the premium on your home protection plan just to cover your string and its bow when you were a kid? Would all that go null and void? No, it will not go in vain. Your home insurance will protect your gears but not completely and with limitations and catches, which almost means you are not always protected. And, probably, you would not want it.

Dear reader, uncertainties make a bitter half of our lives. You never know where destiny takes you. It could be good or bad or anything in between. Right? Having said that, would you be able to protect your livelihood in case misfortune decides to visit you? Will your home insurance cover your cello if it goes missing from your car right from the outside of a concert hall? Will your home insurance cover your gears if something happens to them on a world music tour? Well, the only and the best answer to these questions is - get instrument-specific insurance protection and save your cello from the bad days while enjoying peace of mind.

Choosing the right cover for your string

So, how can you choose the right cello insurance coverage for your instrument? Picking one from a world of options can be a tricky and confusing thing to do. However, if you consider certain pointers, it would be easy and hassle-free for you to choose the most suitable one. Let’s take a look at the following pointers:

●    When it comes to buying an insurance product, the first thing you need to do is understand what you want from the insurance policy. With reputable insurance companies, you can tailor a plan according to your needs. So, when you are very sure about your needs, you can tell your insurance agent that you what, this, this, and this and based on which he or she will show you the products available with them.

●    Always make sure to consider multiple options. If you choose just about any one of the insurance providers without thinking about the ins and outs, you might miss something really important. However, when you consider and do your homework on more than one insurance provider, you can make a comparison based on your needs and preferences and choose accordingly.

●    In general, musicians or musical instrument owners need to have public liability cover, property damage cover, and a professional cover. Talk to your insurance consultant and ask about all options you have in hand. For example - if you often perform publicly, public liability cover can be very useful for you. Similarly, different covers have different extent and areas of coverage. Make sure to understand every policy you have shortlisted before buying your musical instrument insurance.

Although basic, these tips will help you choose the right insurance and insurance provider for sure. So, do not waste your time anymore and do it right now!

Safeguard Your Musical World with the Right Instrument Coverage

 

After a lot of brainstorming and seeking words-of-mouth recommendations, you have finally made up your mind to purchase dedicated Insurance Coverage for your musical gears. You might have a world of questions in your mind about the plans and how much coverage do they extend to your musical gears and other related aspects. Right? Well, the terms and conditions of insurance policies might vary from one service provider to the other. Therefore, you need to decide on your requirements before making any decision about which policy you should buy. However, with customer-oriented and reputable musical instrument insurance service providers, you are more likely to get comprehensive cover.

 

So, before deciding on an insurance plan, it is crucial to choose the right service provider for the smooth execution of the insurance coverage process, right from policy purchase to claim settlement. With an insurance company with years of experience in the market, you are most likely to enjoy the following coverage options. Although it might vary from plan to plan, you can enjoy the following insurance benefits. Let’s take a quick look at the pointers given below:

 

All-risk cover

 

When you have the right Insurance Coverage under an insurance service provider that is known for its seamless policies and high-quality customer care, your musical gears are covered for all possible types of damages and robbery or theft. As policy inclusions and exclusions depend on many numbers of factors, you can expect a few changes, but the overall protection will be all-encompassing.

 

Policies that trot with you wherever you go

 

Whether you are a touring musical instrument player or a globe trotter who also loves music and carries musical gears along, worldwide coverage is a must. It envelops you securely, no matter in which part of the world you are. A reliable and customer-oriented service provider ensures that you have this cover.

 

Repurchase the lost-then-recovered musical gear

 

Nothing could be as miraculous as getting a lost musical instrument back. In case it happens, and the lost gear is recovered, you have the right to repurchase the same for the amount you have got as compensation against claim settlement while not having to pay any extra chances to the insurance company. However, for this, your choice of the insurance company should be correct.

 

Reimbursement for loss of income

 

In case the loss or damage of your musical gear puts a padlock on your livelihood, it could be really hard to manage and accept. However, if you have the right insurance protection by your side, you are most likely to be covered against loss of income, and your insurer is likely to reimburse your loss.

 

Coverage for a replacement instrument

 

After an event of loss or damage, if your gear is being repaired and you have a commitment to fulfill, say, a concert or a local musical gig, your musical instrument insurance policy with a good insurance provider will also cover the replacement instrument. With a single musical instrument insurance plan, you can secure your gear as well as mental peace. So, isn’t it great?

 

A crucial pointer to keep in mind

 

Just as all that shines is not diamond, not all insurance providers claiming to be the most trusted option in the state can live up to your specific requirements from a policy. Therefore, be very informed with your choice and select an insurance company that deserves its salts. One of the best ways to do it is to consider multiple options while ensuring a comprehensive competitive analysis before zeroing in on a musical instrument insurance service provider. This way, your choice would be informed and right for you.

What Your Music Equipment Insurance Cover?

 

Music Equipment Insurance for a musician is as imperative as car and home insurance for a car and homeowner, respectively. And, if you do not want to invest in buying a separate music instrument insurance because you have adequate home insurance that covers all your belongings, including your musical equipment, think for a while.

 

Although your home insurance says that it will cover your musical gears, did you read the terms and conditions properly? Once you thoroughly go through the policy papers or talk to your homeowner’s insurance provider, you will get to find about the limitations that necessitate buying a standalone musical insurance policy.

 

So, what are the limitations?

 

● Your home insurance policy covers your gears for sure, but only if something happens to those inside the premises of your home. Any damage or loss outside the home will go uncovered.

 

● Moreover, even if your gears are damaged or lost within the insured property, you are very less likely to get comprehensive coverage for your gears.

 

● Your home insurance plan will not provide you with worldwide coverage. What if you are a touring artist? Think about it!

 

● Regardless of the instruments you play, if it is for commercial interest, your home insurance plan will not cover you. If such a scenario happens, where you played for just one hour for a few dollars, and unfortunately, your guitar got damaged, oops, you will not be covered by your home insurance. The time and amount of money do not matter here. All that matters is, you played your gear for a commercial purpose.

 

● Besides, sometimes, you cannot avoid public liabilities. What if you accidentally hurt someone during your concert or recording or while giving music lessons to your students? What if all fingers are pointed at you? Who will pay for it? No, your home insurance will not. You have to do it Out-Of-Pocket. And, such expenses and rip your finances apart.

 

So, with all these limitations in place, do you think it would be wise to depend on your home insurance plan and go uncovered in the time of need?

 

Do your homework and find a reliable insurance service provider that offers dedicated and comprehensive Music Equipment Insurance and relax!

 

Claim settlement - Home insurance Vs. Musical instrument insurance

 

Claim settlement is another crucial aspect of any insurance policy. As far as a musical instrument-related claim is concerned, it takes experience in understanding musical instruments, their intricacies, and value in the market.

 

And, your home insurance service provider is least likely to be the right one to understand the value of musical instruments and how things work because they do have much experience in this domain.

 

For example, a musical instrument insurance provider is more likely to understand the bond a musician shares with his or her musical gears in a better way than a home insurance provider.  

 

Therefore, buying an instrument-specific insurance policy makes a lot of sense, both financially and emotionally.

 

How can you go about finding comprehensive musical instrument insurance?

 

Well, with a market full of insurance providers claiming to be the most trusted and the best, it can be quite a tricky thing to find a reliable and customer-centric service provider.

 

However, it is not a Herculean task. If you research and compare your options properly and do a thorough price-value analysis, you will find a genuine and reputable insurance provider with years of experience in the industry.

 

Dear reader, your musical equipment means a lot to you, not because you have made a lot of investment buying them, but because you connect with them. A good musical instrument insurance provider understands this connection well!

Benefits of Learning the Violin and Having an Instrument Insurance

 

Music is a great way of self-expression. While it is a mystical escape from the material world, it comes along with a lot of benefits. Every time you enter a musical arena, you get awestruck to see and feel how beautifully the artists weave magic with their fingers. You feel it differently when you think that the finest players of the world were once only beginners, and now they possess the aura of captivating their entire world with their passion for music.

 

Inspired by the grandeur and beauty of the character of a violin, you want your child to learn this string instrument. Well, do you know that playing the violin can help your child in so many other ways, apart from adding a feather in his or her hat? Let us take a look at the beneficial aspects of learning how to play the violin!

 

Playing the violin helps in improving coordination!

 

The violin lessons of your child will help him/her learn the expertise of coordination. While your son/daughter will be playing the string, they will have to strike the right balance of the right and the left hand, which means the right and the left brain. So, he/she will learn how to coordinate and is more likely to learn to apply the same approach in their lives as well.

Striking the right pitch helps in improving intelligence!

 

Using the bow and the stings to strike the right pitch is another aspect your child will learn while playing the violin. This facilitates the promotion of the brain cells while improving your child's level of intelligence. Moreover, it is very like to boost the reasoning skills and mathematics of your child.

 

Playing a string helps in improving memory!

 

Music plays an important role in the cognitive development of your child. When your child goes to his/her music classes, he/she learns to be in a routine, including practical classes, rehearsals, or maybe participation in a musical gig. So, this routine helps a lot in strengthening their memory and makes them more responsible. Also, as your child develops a better hold on music, the patterns, tempos, and pitches, their memory tends to improve over time. Isn't it a great thing?

 

Learning the violin helps in improving self-esteem!

 

According to various studies, when we do something creative and positive or learn something new and do it successfully, we feel good. In the line of this finding, when your child gets to learn how to use the bow and the strings to play beautiful music, it will make him/her feel happy. It will also boost the self-esteem of your child and empower them from within. Moreover, in their course of learning, they will also learn to accept feedback, both positive and negative, which you already know, will help them in the long run.

 

So, these are some of the prominent benefits of learning how to play the violin. Hopefully, these pointers are convincing enough to enroll your child in a violin class.

 

Make sure to get an instrument-specific instrument plan!

 

When it comes to learning the violin or any other musical instrument, buying one could be an expensive feat. And, because musical instruments like violin, guitar, and others are expensive, it is crucial to get a Violin Insurance when you purchase that string for your child.

 

Having a Violin Insurance ensures that the investment you made towards buying the musical gear is safe and secure. So, in case of an accident or an event of loss or damage, your violin and your finances are well-protected, and your child can continue with his/her violin classes without fail and soon master the skills.

 

 

  

Why Is Investing in Saxophone Insurance Necessary?

Do you own a saxophone? If so, then whether you are an amateur or a high-end professional, whether you own a vintage sax or a model designed for beginners, it is crucial to give serious thought to safeguard your instrument as well as your career if music earns you livelihood.

Two ways to protect your woodwind

So, how can you protect your investment? Well, some of the best and most effective ways to do that are -

●    Get yourself comprehensive Saxophone Insurance to protect your gear against loss, damage, theft, or third-party liability.

●    And install a sturdy home security device to ensure the overall safety of your gears and other belongings.

Choosing a plan can be tricky. Comparative analysis might help!

Protecting your musical instruments against all odds is no doubt imperative. However, it can be a bit tricky, given the plethora of service providers and policies available in the market. However, if you clear all your doubts and queries with the customer support team of insurance providers and do a price-value analysis, you will be able to choose the right policy without having to tax your brain and pocket.

Moreover, while installing a securing system is a good idea, it will not provide you relief from the cost of repairing or replacing your precious woodwind if something bad happens for real. Isn't it? Therefore, investing in a good insurance cover is the best and wisest thing to do.

And the most important thing, musical instrument players, regardless of their professional standing, refrain from including their musical instruments under their home insurance because of obvious reasons, like under coverage, no coverage under certain situations. So, you should also look for an instrument-specific plan instead of relying on your home insurance or renter’s insurance plan.

Moreover, the safest bet here is to buy an instrument-specific insurance plan because the musical gears are expensive and need a good amount of coverage. Unfortunately, your home insurance policy is not the right to go here.

Insurance service providers who deal in musical goods are used to working with musicians, bands, collectors, music shop owners, or music teachers. So, they understand the type as well as the extent of coverage a saxophone player might need to ensure complete coverage against all odds.

Plus, an experienced insurance provider that deals with musicians and all sorts of musical instruments will help you design and customize your Saxophone Insurance plan according to your needs. This way, you will be able to save both your time and money.

Choose a policy that's going to help

As there are different types of insurance policies available in the market, you need to be very careful while choosing one and go for the one that best suits your needs. The extent of coverage is more likely to depend on your needs and your professional standing.

For example, if you are a student or you play the saxophone as a hobby, a simple or basic musical instrument plan would be good to go. However, if you are a professional musician, if you collect expensive and vintage musical gears, or you own a shop, then you are most likely to need a high-end policy insurance plan that protects your gears and your finance, in and out. It is as simple as that!

Hopefully, this blog has helped you understand why investing in saxophone cover is necessary. Also, insurance policies are so important that you should consider buying one along with your musical instruments because misfortune can strike all of a sudden. Therefore, it is wise to stay prepared.

Find a leading musical instrument insurance service provider in your state and play your gears while enjoying peace of mind.

Insurance Covers for Musical Instruments - Know What You Need

Oh! You are so excited that finally, you have bought your favorite guitar that you have been eyeing for so long. We understand that you are a responsible owner. And you will do whatever it takes to shield your musical instruments. Right? However, is your long-cherished instrument peril-safe, or "unforeseen-peril-safe", to be precise? How is that possible?

 

You can peril-proof your musical gears just by getting suitable insurance for musical instruments for a noted service provider. Although it cannot prevent any possible loss or damage to your gears, it can definitely protect you from the financial aftermath that follows.

 

If you are a professional musician or professionally related to musical gears and accessories, such as a luthier, appraiser, music shop owner, collector, or music teacher, you need to insure your musical paraphernalia for sure. Remember, musical instruments are more likely to be expensive and need to be well-protected. Otherwise, your entire livelihood and savings could be at stake.

 

When it comes to finding insurance for musical gears, there is no dearth of options. With a good and trustworthy insurance provider, you can choose from a full range of covers. The best part, you can tailor a plan according to your needs. It ensures that you do not have to shell out for something you do not need.

 

Let’s take a look at the types of insurance covers you can choose from:

 

Protection from loss or damage

 

One of the most common yet crucial ones includes protection against damage or loss caused as a result of theft, robbery, fire, water damage, thunderstorm, and deterioration, among others. With this cover, you can be assured that you do not have to pay out of pocket in an unfortunate case of loss or damage to your instrument.

 

Worldwide protection

 

Another one is worldwide coverage. As a musician, if you have to attend any musical concert in a different city or even country, your instruments need to be in their best forms. Right? However, what if you lost or damaged or gear on the way? What if your entire musical apparatus goes missing in a completely foreign land?

 

Do not worry when you have the assurance of your musical instrument insurance policy. Such policies, when taken out from a reputable service provider, come with a worldwide cover. However, the terms and conditions associated with it might vary from one insurance company to the other. So, make sure to check this out beforehand.

 

Protection against third-party liabilities

 

Have you heard about public liabilities related to being a musician? If not, then you have clicked on the right place. Let’s suppose you are playing live in an open musical gig, and suddenly the stack of amplifiers from the front of the stage fell down while injuring a couple of people from the audience?

 

Can you imagine how much the medical bills or cost of fighting lawsuits for each of the injured people could be? This is called public liability when you are responsible for someone else’s loss or damage. In such a scenario, insurance for musical instruments can go a long way to protect you from financial calamity.

 

Get complete protection even when you are a novice

 

You might be wondering that all the types of insurance covers mentioned above are too good for professionals. However, what about the amateur musicians? Is the homeowner’s insurance enough for them?

Well, home insurance, regardless of your professional status, will not cover your musical instruments if something happens to them out of the insured property. So, you are wise enough to understand if or not home insurance plans will be sufficient for your musical gears even when you are just an amateur musical instrument player.

 

Reed Instrument Care Tips

Musical instruments are finely-crafted, valuable investments that can be easily damaged if not properly cared for. Therefore, proper instrument care and maintenance is vital for any musician who wishes to keep their instrument safe and protected. Like with any other kind of musical instrument, a well-maintained and cared-for reed instrument will have a much longer life than one that isn’t.

Whether you are playing a flute, clarinet, bassoon, piccolo or even an oboe, there are several things you can do to preserve both your reed instrument and theirreeds. Keep readingto learn some useful and easy-to-implement tips on how to properly clean, store, maintain, and protect your instruments and reeds.

Caring For Your Reed Instrument

 

When it comes to your reed instrument’s protection, one of the most important things you can do is storing it in a weatherproof case — away from heat, direct sunlight and humidity — when not in use. But here are some additional tips you can follow:

 

●      Before storing your reed instrument, make sure you carefully swab the inside to remove any moisture. We also recommendwiping it down as well, to help preserve its finish.

●      Always place your instrument correctly and gently into its case, never force the case closed. Consider removing your neck strap beforehand as well.

●      Never pick your instrument up by its keys.

●      Oil your instrument’s keys regularly using key oil. You can apply it with the help of a cotton swab, needle, or toothpick to help ensure you don’t use too much oil.

Caring For Your Reeds

 

Good reeds are hard to come by. So when you do manage to find them, you need to handle them with care and do your best to extend their life. Here are some useful tips that can help make your reeds last much longer:

 

●      When buying a new reed, unpack it carefully, avoiding contact with its tip.

●      Before playing, make sure you moisten it first. Some musicians dip their reeds in warm water, while othersuse their saliva.

●      Once the reed is prepped, align its tip with the end of your instrument’s mouthpiece and tighten the ligature screws.

●      Never play a new reed for more than a few minutes during the first few days you use it. This will allow for the reed to gradually get used to expanding and drying.

●      When you are done playing, remove it from your instrument’s mouthpiece, rinse it thoroughly and wipe it dry to remove any excess moisture.

●      Always store your reeds separately, ideally in a reed case. A reed case will keep them flat as they dry and help prevent warping. It will also help protect them from getting chipped or damaged during transportation.

●      Avoid playing the same reed every day, as this will cause it to wear rapidly.

●      Rotate your reeds regularly.

●      Before playing, don’t forget to wipe off lipstick, lip balm, or any other lip product. It is highly recommended to brush your teeth and wash your hands beforehand as well.

●      Make sure you clean your reeds semi-regularly using water and a mild detergent.

●      Avoid exposing them to extreme changes in temperature or humidity, as reeds respond poorly to dramatic environmental changes. 

Getting Full Coverage Instrument Protection

 

While proper instrument care and maintenance can help protect both reeds and reed instruments, it isn’t enough to protect against all of life’s risks. Musical instrument insurance on the other hand, will safeguard your reed instrument in almost every situation. At Clarion Associates, we have designed specialized and customizable musical instrument insurance policies that offer worldwide coverage and an array of benefits you won’t find anywhere else.

 

Whether you are playing a bassoon, piccolo, oboe, clarinet, or flute, we have the perfect musical instrument insurance solution for you. Reach out and contact us today for a quote and find out why Clarion is the leading choice for thousands of musicians and musical instrument owners.

How to Care For Your Instruments in the Fall

 

 

As we move farther into the fall, the weather becomes more unpredictable. Fall can bring both warm and cold breezes, as well as showers and even snow, all within the same week, in some areas. It's hard to know what the weather will be like from one day to the next during this season.

 

These humidity and temperature changes can be exhausting for many of us to keep track of and adjust to. Yet, musicians have another challenge as well – the damage these weather conditions can cause to their musical instruments. We’re going to break down exactly how autumn/fall weather can affect your musical instruments and what you can do to protect them.

How Can Autumn Weather Affect Your Musical Instruments?

 

Science teaches us that most objects expand in the heat and contract in the cold. Like most other objects, musical instrumentsmay also expand and contract when subjected to significant temperature changes. At the same time, moisture and humidity can cause wood to swell, warp or crack, as well as make metal rust, which is true for musical instruments as well.

Therefore, the transitions from cold to hot or from dry to wet (and vice versa) that typically occur during autumn can be significantly harmful to your musical instruments and can lead to expensiverepairs if you’re not careful. Since musical instruments are not weatherproof, proper instrument care is crucial during this time of year.

 

 

What Can You Do To Protect Them?

 

When it comes to instrument protection during fall, the main rule of thumb is to try minimizing your musical instrument's exposure to temperature changes, wind, humidity, and rain.

 

The first thing you can do to avoid such exposure is keeping your musical instrument inside its protective case when you're done playing or cleaning it. After all, this is the primary purpose of a case: to safeguard your musical instrument from the adverse effects of moisture, dust, temperature fluctuations, and direct sunlight. Ensure that the case is tightly closed, and properly latched.Remember to occasionally inspect it for any gaps or holes. If you spot any signs of damage,repair or replace it as soon as possible.

 

As the level of humidity inside your home may rise during fall, investing in a hygrometer and a dehumidifier may be a good idea. The hygrometer will help you measure the humidity level in your home, and the dehumidifier will help you adjust it accordingly.

 

Of course, sometimes you have to travel with your musical instruments. As a musician, you might regularly tour around the world, performing in open-air festivals, or maybe even be a member of a symphony or quartet. In this case, trying to limit the amount of time your instrument will be out of the house might not be a viable option, but there are some things you can do to help minimize your risks.

 

If you’re musical instrument has been out in the cold for an extended period of time, remember to let it gradually warm up to room temperature before attempting to play it again. Use covers to protect it from rain whenever possible, and soak up any excess water or moisture with a towel as soon as you can. An important point to follow year-round is to avoid leaving your musical instrument in the car, where temperatures can fluctuate dramatically and rapidly.

 

 

What Can Clarion Do For You?

 

Regardless of whether your musical instrument is kept at home or travels with you, the best way to keep it safe and sound in the fall is by investing in musical instrument insurance. With Clarion Associates by your side, you’ll be protected against most of the dangers that may befall your instrument.

 

At Clarion, we've designed a specialized, customization musical instrument insurance policy that offers worldwide coverage for damage due to weather conditions, as well as many other benefits you won't find anywhere else! With over 50 years in the insurance industry we have worked with thousands of musicians, so you can rest assured that we understand and respect our customers' unique needs and situations.

 

We offer various specialized services and customization coverage for musicians, music stores, recording studios, instrument collectors, and more! We cover instruments ranging from strings to wood winds, and even pianos! Contact us for a quote today and see why thousands of musicians worldwide trust us with their protecting their prized musical instruments.