Protect Your Music Studio with the Right Coverage Options

Having your place reserved in an industry that is consistent and evolving robust makes a great deal. And, owning a music recording studio is the first leg forward. Whether you are a professional, a newbie in the world of music, or you are doing this for the sheer pleasure that music gives you, does not matter here. What matters is - comprehensive Studio Coverage for your recording facility that will take care of your studio and finances if a catastrophe knocks on your door.

Attention! Studio owners. This is for you!

Anyone who owns a recording studio is more likely to have invested a lot of money in buying musical gears, studio equipment, the property, its decor, and the list continues. Even if you have a small home studio, it is likely to have many thousands of dollars invested. And no one would ever want or even think about disasters with financial and emotional consequences. However, if you have dedicated insurance for your music studio, it will ensure that your investment is secure. And, one of the crucial things to remember - your standard + add on homeowners' insurance plan might not live up to your needs as well as expectations.

Now, let's find out the coverage options you get with your standalone recording studio insurance plan!

● Third-party liability cover - There are instances in which someone else suffers physical injury or property damage or loss. Also, if your studio is a rented property, and you accidentally damage it or injure someone on the premises there could be a financial menace. Most importantly, you and your recording premise are considered responsible for the same. As a result - lawsuits, medical expenses, court fees, legal charges, and so on can mount up on your shoulders. A third-party liability cover ensures that all the costs related to a third-party claim will be taken care of by your insurer.

● Property or building insurance - If your music recording studio is set up on your owned property, you will surely want it to stay safe and protected. Damages induced by elements of nature, fire, and others can lead you to break your bank if you don't have the right insurance cover. Even if your studio is housed in your home, your homeowners' insurance might deny a complete coverage. However, property insurance will protect your needs for sure.

● Product insurance - If any product or object kept inside your recording studio is damaged or lost as a result of fire, theft, robbery, vandalism, severe weather conditions, and similar causes, your Studio Coverage will ensure that you will not have to face any financial consequences. The products mentioned can include your musical instruments, peripheral equipment, wires, microphones, furniture, furnishings, and so on.

● Income continuation insurance - In case any of the covered accidents bounds you to stop working due to studio closure for a significant time, this cover will make the continuation of income a surety. 

So these are some of the main coverage options you get with your music recording studio insurance. As different insurance providers have different types and names for the converge options, it would be wise if you understand a given policy beforehand. 

How much does studio insurance cost?

Well, the cost of an insurance policy depends on several factors. It includes the following - 

● Studio size

● Studio location

● Gross annual income

● Age of the establishment

● Sum insured

● Insurance provider 

To make sure that you get the right coverage at the best price, a comparative analysis is crucial. Ask for price quotes from more than 2 to 3 service providers, compare their services with their pricing, and then choose the one you find the most cost-effective and fit for your needs.

 

How to Care for Your Instruments at Home

 

Properly caring for your instruments is essential for any dedicated musician. Ensuring they are safe and secure is a common concern, especially during the humid summer months or while traveling. Keeping your instruments free of dust and debris, and protecting them from humidity and heat are necessary if you want to both save in maintenance costs and prolong their life. Specific care requirements may differ, but there are a few general instrument care tips every musician should know and follow. 

 

The Basics

An instrument is a substantial investment. As such, many musicians choose to get some form of insurance for their instrument to protect it. While proper care can help prolong your instrument's life, there are plenty of unexpected factors it can't prevent. That's why musical instrument insurance is the perfect option for musicians looking to protect their investment no matter what happens.

One of the simplest ways to take care of your instruments is handling them properly. Instruments are delicate and need to be carefully maneuvered. So, it's vital your instrument is placed into its case gently. Most musicians know how to avoid bending or twisting anything or putting excessive pressure on their instruments’ joints. This will also help keep your delicate and expensive equipment safe while traveling. Other general tips to follow include limiting how often anyone else handles your instrument, and making sure you latch your instrument's case properly.

Proper Instrument Protection

Another great way to protect your investment is to keep your musical instruments in a weatherproof case when you are not using or transporting them. Periodically check to make sure the handles, zippers, and locks on the case are working correctly. This simple step will help prevent accidental damage from your instrument falling out.
 
While it may be tempting to showcase your instruments as decorative pieces in your home or studio, this may lead to excessive dust accumulation, which may ultimately cause additional wear. As such, you should always keep your instruments clean and free of any dust or debris. Wiping them down with a specialized rag will remove any dirt or other debris that may affect performance or potentially damage the instrument itself. 

Heat and Humidity

One of the most impactful ways to boost your instrument's lifespan is to protect them from excessive heat and humidity. Your instrument should always be kept in a dry and cool place. Higher temperatures can cause the wood or metal to wear and warp, significantly impacting your instrument's lifespan and sound. It's also important to avoid moisture, as wood may expand and contract, leading to cracking.

Moreover, make sure to never leave your instrument or its case out in the sun, even for a brief period of time. As most instrument cases are black or dark blue, they retain a lot of heat, which could seriously deteriorate your instrument’s varnish or adhesive. You should also periodically check any screws, keys, or tubes of your instrument to ensure they're not loose or damaged.

While you may be able to make very simple repairs on your own, keep in mind that any complicated servicing and adjustment should only be handled by an experienced professional. They have the proper equipment and expertise to make those repairs. They can get it done promptly and adequately, while also taking liability for any potential damage that may occur. 

 

Conclusion

Following the above advice will help get you started on the right path. To significantly extend the lifespan of your instrument, as well as helping to save you money on unneeded and unnecessary repairs, you must remain vigilant. Properly taking care of your instruments is a great way to keep them around longer. However, proper maintenance can't protect you from all accidental damage or the risk of theft. Thankfully musical instrument insurance is a great way to help protect your instrument and the investment you made in it.

Our instrument insurance plans help cover the cost of repairing or replacing your instrument in the event they're lost, stolen, or damaged accidentally. We also offer additional benefits such as the ability to file a claim anytime, access to a nationwide network of dealers, as well as customizable policies to meet your specific needs.

Contact us today for a quote, and see why Clarion is ideal for protecting your investment. Our comprehensive coverage allows you to keep your focus on playing while we take care of the rest!
 

Guitar Insurance: A must-have for All Guitar Players

Insurance is an essential element for every precious item. It is of utmost importance that whenever an expensive item is purchased, insurance of that particular item should be done. If you are a guitar player, then make sure that it must be insured to protect your instrument from all odds. An instrument must be protected from all corners. Thus, when you are a proud owner of the exquisite guitar, it is imperative that you must embrace guitar insurance and have complete peace of mind.  When you have insurance, it not only gives you protection to the instrument but also helps you in saving a huge sum of money. 

If you are unable to decide as to which insurance policy will suit you, get in touch with your chosen insurance company. They have experienced a team of executives who will guide you completely and will help you to settle for the best policy that suits you as well as goes with your instrument. Premium insurance providers well understand what risk the musicians face and the insurance provider is ready to safeguard their clients from such risk. If the guitar is accidentally dropped, you will certainly get the coverage but if you deliberately smash it at the end of your show, then the insurance provider will refuse to cover the damage. These things must be kept in mind while doing the insurance.

Concert involves traveling from one location to another with your guitar and it can get damaged while traveling or can get stolen and you can lose it too. So, if you have insurance, it will give complete protection and will ease all your worries. As soon as you buy the guitar, the most exclusive model that you have been eagerly waiting to have in your possession, you must not look further and go for guitar insurance.

When it comes to availing any service, the very first thing that comes to the find is how much to be paid for getting the service. This thought is certainly not an exception while buying insurance for your musical instrument. Make sure to ask for a quote before you proceed to pay for your chosen policy. The insurance companies offer free quote to their clientele. Once you get to know the amount, you can then stay assured that it is within your means and you will not feel any pressure on your pocket while you pay the premium annually.

Technology has made the lives of humankind simple and easier. With the emergence of internet service, everything is just a click away.  So, if you do not have time to visit the insurance office in person, then online is the best possible way to get in touch with the insurance agent. The executive will render complete assistance and will help you in completing the entire process right from choosing the policy, getting the quote till you make the payment. A thorough guidance is rendered to the insurance buyer and you will have complete satisfaction.

Wrapping up

Get the insurance for your guitar at the earliest and travel for concert with ease. The insurance is not only required for you to travel from one location to another for performance but is also required if you give lessons. So, before you buy insurance for your guitar, remember to consider the above-mentioned things. Stop brooding as whether to embrace insurance or not. Do a survey, find the suitable insurance provider and go for it. You will indeed get the best benefit when insurance is done. The insurance offers manifold benefits and the investment is well worth.

When to Insure Musical Instruments and How Beneficial It Is?

 

Insurance has become an integral part of the life of an individual. When you own any plush item right from home to car, musical instruments, and so on, it is of utter necessity that you must get it insured. When you have insurance, it is nothing but acts as a shield giving complete protection to your prized possession. The insurance eases of all kinds of tension. An unfortunate incident can occur at any juncture as it cannot be predicted beforehand. It is the insurance that got you covered. Make sure that the insurance must be done from a premium insurance provider which has long years of experience in operating in the market.

When you are all set to insure musical instruments, let the process begin by doing comprehensive research on the cyberspace. You will find several insurance providers operating in the market, but remember only to choose the prominent one. Musical instruments that are finely crafted are indeed expensive. When you opt for insurance, your musical instrument gets 100% protection from if it gets damaged or stolen from any disaster. Insuring a musical instrument is certainly a great idea if you use the instrument on a regular basis for performance purposes or for teaching the students. Insurance not only gives coverage to the instrument but also covers the accessories, case, and sheet music.

You may require a separate musical instrument insurance policy to get the coverage. There are certain homeowner’s insurance through which you can insure musical instruments but before you jump on to do it, you must check the coverage in details so that after the insurance is done you do not face any issue with it.  The homeowner’s insurance policy has some limit for the total damage of the property and might have a limit for each item.  The coverage for each item might be lower than the cost of musical instruments; one very significant option to increase protection for your musical instruments under the home insurance policy by getting a rider which is at times referred to as floater, endorsement, or scheduled personal property.

It is advisable that other than getting the musical instrument insured under the home insurance policy, you can choose a commercial policy for your musical instrument. When it comes to choosing between homeowner’s policy or specialized policy for your musical instruments, there are certain things that must be taken into consideration.

In the first place, all you need to do is to find the appropriate policy for your musical instrument. Once you are done with choosing the policy, make sure to go through the policy in detail. The next thing that needs to be taken into consideration is the premium which you need to pay annually. The premium of the policy must be so that it must not put pressure on your pocket and you can pay comfortably.

The last but not the least is considering the testimonials of the satisfied customers who have been benefitted from choosing the policy that you have decided to select.  The reviews significantly help in making the right decision. Once the policy is chosen and premium paid you cannot switch to another plan for the next 1year. So, before you choose the policy, do research, take time, read reviews, consider the plan how suitable it is for your instrument and then proceed to take the ultimate decision.

Reputed insurance companies offer a free quote to the clientele. So, feel free to get in touch with your chosen insurance provider and ask for a free quote. The premium insurance provider has experienced executives who will guide you to get the insurance done. It can be done online as well as offline.

Put an End to your Confusions and Get Dedicated Insurance for Musical Instruments

Protect Your Gears and Wallet with the Right Insurance for Musical Instruments

Life Insurance? Checked. Health Insurance? Checked. Homeowners’ Insurance? Checked. Music Instrument Insurance?

Umm, it is absolutely-necessary?

"Yes, I am a musician. But, is specialized musical gear insurance so important? I mean, I've my homeowners’ insurance in place. And I think it will cover my musical instruments too."

Do you think alike? If your answer is 'Yes', it's time for a reality check!

Dear reader, if music makes a significant part of your livelihood, then suitable and specialized Insurance for Musical Instruments is something that’s more than important for you. Just imagine, music being your profession and a source of income, you need to make sure that it’s safe and protected from the unforeseen. If your livelihood is secured, your life, your health, your home and everything else will be protected. Isn’t it?

Get in touch with an experienced insurance provider

Leading and customer-oriented musical instrument insurance service providers understand and acknowledge the special connection between a musician and his or her instruments. It’s because of their first-hand experience and understanding of cases and emotions that they’re able to provide the best possible coverage according to the musician’s needs. And, as we all know that it’s better to take precautions beforehand than looking for a cure later, musical instrument insurance makes a lot of sense, and it’s imperative.

Answer to your confusions

For all those musicians who have some confusions or are not sure about getting dedicated insurance policies for their instruments, here is a list of issues that can come your way (based on the common mishaps integral to the music industry) and restrict you from earning your livelihood -

●        Irreparable damage to your instrument due to overexposure to heat and humidity

●        Water damage due to flood or a broken faucet or plumbing fault

●        Stolen or damaged while in transit

●        Being accidentally dropped by you or your team members

●        Damage due to house fire or any other natural calamity

Other accident(s) linked with your musical instrument that can break your bank and heart like nothing else is any damage or loss to a third-party due to your instruments. What if someone is injured after a mic stand fell from the stage while you were performing? What if an instrument drops over the head of a visitor to your music instrument store? What if you run a music class and one of your students stumbles upon a cable at your class? See, these things are unforeseen and you can crop up when you least expect. Therefore, don’t you think it’s wise to be prepared?

Does everyone owning musical gear need insurance?

It is one of the most common questions people ask when they are advised to get specialized Insurance for Musical Instruments. Yes, everyone owning a musical instrument(s), especially if they take it outside, play it for livelihood, own a musical instrument store, or conduct music classes, should get a dedicated insurance policy for their instruments.

Some people also ask, “what if it’s my child who plays the guitar and takes music classes?”

Whether you use it or anyone else in your family, proper insurance coverage is vital. What if your child damaged or misplaced his/her violin while getting back from his/her music classes? Remember, dedicated violin insurance can replace the lost gear.

If you are a part of a band or local symphony, it’s wise to cover the musical instruments for protecting them from loss, theft or damage.

So, no matter whether you take part in local musical gigs or you’re a world-famous music sensation, and no matter you have got a class of 2 to 3 students or a number of them, if you have musical instruments, insuring those become imperative.

What’s the ideal extent of coverage (Sum Insured) should you go for?

There is nothing called ideal as such. What suits your specific needs, and of course, your pocket should be the ideal choice for you. And what about the amount of cover? Well, it mainly depends on your needs and the appraised value of your musical instrument. The insurance service provider you choose will make sure to assign an insurance appraiser for you to understand your case, and account for factors like the condition of the gear, age, and quality.

With insurance comes peace of mind!

The best thing with insuring your musical instruments is - with appropriate coverage, your instrument, and wallets, both, are protected against the uncertainties of life. Not only that you don’t have to pay out of pocket if something happens to your gear, but you are also safe from the legalities of public liabilities if someone else is affected due to your instruments.