Owning a musical instrument is a responsibility in itself. Starting from simple to deep cleaning, regular maintenance, and repairs, as and when needed, you need to be very protective about your gears. All of these care and maintenance things are okay. However, what have you done for the complete protection of your instruments?
Here, complete protection means anything that ensures that your gears are safe and your finance is sound regardless of the adversity of any given situation, such as fire, flood, theft, vandalism, public liability, and other eventualities. And, as far as musical instruments are concerned, Musical Equipment Insurance gives the best protection to musical gears as well as your bank balance.
So, have you been worried about the protection of your musical paraphernalia while on the go? Or, are you concerned about the loss or damage to your instrument? When you have a comprehensive music instrument protection plan in place, you are safe, either way, and in many other ways. Now, let us learn about the standard features of a standalone insurance plan for musical instruments that you can expect with a leading insurance provider in your state. Read on!
Standard features of a musical instrument insurance plan
Public liability cover
We all know how unpredictable life is. Right? You never know what will happen the very next moment. So, as a performing musician, you are pretty much prone to get affected by accidents involving third-parties. There can be situations when a spectator or someone from your crew may file lawsuits against you for an accident. You may also have to pay for their medical bills. Such incidences can swipe off your bank balance in the blink of an eye. Dedicated Musical Equipment Insurance will safeguard you against public liabilities.
Musical instrument cover
If you consider your home insurance for covering accidental damage to your musical instruments, you might be doing it wrong. Your home insurance policy is least likely to cover your musical equipment and instruments if you damage them in an accident. However, with a dedicated musical equipment protection plan, you will get full-risk coverage. It includes - theft, flood, vandalism, fire, other natural calamities. Moreover, our home insurance will not cover your gears outside your home. However, with a standalone policy, you are most likely to get worldwide cover. You may customize your policy according to your needs.
Loss of income
Did an accident, such as instrument theft or damage, leave you with no work? Such mishaps can be extremely painful and emotionally draining. However, with a standard musical instrument insurance plan, you do not have to pay out of pocket. Your policy will cover your loss of income too.
Accessories cover
Your home insurance plan is least likely to cover the accessories that come along with your musical instruments. However, musical accessories are valuable too. So, what can you do about it? The answer is quite simple - get a musical instrument protection plan. Yes, you read it right. A dedicated insurance plan does offer accessories cover. However, make sure to check with your insurance provider beforehand.
Equipment Hire
If you filed a claim and want your insurance company to cover your rental equipment, you can always expect the same from a reliable insurance service provider. As the extent of cover might vary from one service provider to the other, you should make sure to inquire about the same before taking out a policy.
So, these are some of the plus points of a dedicated musical insurance policy that you are less likely to get otherwise. Dear reader! Always remember, emergencies drop from out of the blue. Staying prepared is the key.
No comments:
Post a Comment