Why Do Musicians Need Music Equipment Insurance?

The word music carries infinite depths, and musical instruments help the musicians to travel the almost unfathomable depths and make good music available for all. So, you can say that musical instruments bridge the gap between music and the listeners.

Musicians and their priority

Are you a musician too? Which musical instrument do you play? Do you play solo, or are you a part of a band? Do you play one particular gear or multiple gears? Do you own a musical instrument insurance plan?

Just like questions, such as which model or brand of car do you drive, if or not you are a pro or learner, do you drive daily, etc., do not matter when it comes to buying an auto insurance policy, when you have a car, having car insurance is a must.

Similarly, all the questions mentioned above around musical instruments do not matter either. When you own musical instruments, dedicated musicians insurance is imperative.

Home insurance and its limitations

Although some people advocate home insurance for insuring musical instruments, you are less likely to get comprehensive coverage with it. The reason? There are many limitations with home insurance in light of musical instruments. And, therefore, musicians need music equipment insurance policies.

So, without wasting any more time, let us take a look at the pointers talking about the limitations of home insurance and why a dedicated musical instrument policy is crucial!

Why do musicians need a specialized insurance plan?

Home insurance plans have a cap for the total property of your home. So, it can be possible that they might have a cap on per item as well.

And, the per-item cover for your musical instruments might not be worth it or satisfactory.

Plus, most home insurance plans cover only the named perils, including theft and fire. A flood situation might not be included under your home insurance.

You can enhance the extent of coverage of your home insurance by adding a rider. However, still, you might not get complete protection.

However, dedicated musicians insurance ensured comprehensive cover against all risks.

What does a musician's insurance cover?

Covering musical instruments under a standalone musical has many upsides. It includes the following:

●    A dedicated insurance plan ensures that your gears are all-risk proof. So, what do you mean when you say all-risk? It means exactly what it sounds like. Unlike home insurance, musical instrument insurance plans cover all risks, including fire, flood, theft, accidental damage, and loss or damage due to elements of nature.

●    Whether you play professionally or not, your musical instrument insurance plan will cover your gears. However, your home insurance policy will not cover any item used professionally.

●    With a specialized musical instrument policy, your gears are protected both inside and outside of your home. In fact, you can also get worldwide coverage for all possible risks. However, your home insurance will cover your gear only if it is damaged or lost from inside of your home.

●    Your personalized musical instrument insurance will cover more than the base instrument. With reputed insurance service providers, you can even cover the accessories as well, including case, mics, stands, and sheet music, to mention a few.

●    A dedicated musical instrument insurance plan also covers public liabilities involving your musical instruments. It is indeed a faraway thing with your home insurance policy.

Conclusion

These are some of the many ways musical instrument insurance policies are worth the investment. So, with all these given benefits, don't you think every musician or musical instrument owner should go for a dedicated cover? A musical equipment insurance plan is not a mere piece of paper, it can be your savior at the time of utmost need.

How to Protect Your Guitar from Damage and Theft?

All decked up to get your first guitar home? You are feeling that familiar adrenaline rush. Right? Well, your very first string might not cost you heaven. However, if you decide to pursue music as your career and become a well-known musician someday, it is quite possible that the price of your gear will increase accordingly.

Like many other musicians rocking the world, your instruments would probably be the most cherished and the most expensive asset you have. And for music lovers, the value of their instrument extends beyond just financial. Hopefully, you know that well.

Whether you play guitar for livelihood or just to experience the sheer joy and charisma that music exudes, at some point in time, you will realize that your musical instrument needs your attention. And you need to take care of it religiously. So, how to go about it? Are you wondering the same? Don't worry.

Here we have rounded up some of the best ways to keep risks related to your guitar at bay. Also, we have talked about how Guitar Insurance can help you with that. Because, sometimes, no matter how hard you try, you cannot stop mishaps from happening. That's where insurance policies come into play.

Situations or Perils You Need to Protect Your Guitar From

One of the most prevalent risks for musical instruments is damage. The thing with damage is, anyone can cause it, even you, the musical instrument owner, yourself. Unlike theft, you cannot protect your gear just by locking the doors of your studio or home. You never you, you might drop it from height, or you may slip with your guitar while breaking it. So, the problems that damage can cause are omnipresent. So, let's take a look at some of the common scenarios a dedicated musical instrument insurance protects you from:

Damages Due to Heat and Humidity

Most musicians think of their guitars as their beloved. Therefore, they make sure to protect their gears from all possible perils. One such peril is damages caused by heat and humidity. How do you handle this issue? Make sure not to keep your string in a basement as cold as a freezer or an attic as hot as boiling water. Also, ensure that your guitar is covered under a decent and comprehensive musical instrument insurance policy.

Physical Impact

Another common problem that musical instrument owners are likely to come across is physical damage due to impact. In order to minimize such problems, the best thing to do is to keep your guitar in a high-quality and sturdy case. Buying a hard case is better than a soft one. However, sometimes, accidents are unavoidable and turn your fate upside down. Therefore, industry experts suggest it time and again to keep musical instrument insurance policy handy.

Theft

Although you may take all the precautions to keep your guitar safe and secure, accidents like theft can happen out of the blue. So, every guitar owner should have the protection of all-encompassing Guitar Insurance for sure.

The Thumb Rule for Musicians

Even if you are one of the most cautious and nit-picky persons in the world, even if you do everything that takes to protect your guitar, sometimes nothing works. and accidents happen. Therefore, it is always a good idea to get an insurance policy when you buy a musical instrument. Misfortunes will never give you time to think or act. Isn't it? So, if you have adequate insurance coverage, you can learn, play, and make delightful music without having to be worried about the unforeseen.

If you are reading this content, it means that you are interested in buying musical instrument insurance. Bravo and Wise! Find a good insurance provider and get your copy now.

Never Let Your Musical Career Hit a Rough Patch, Get Orchestra Insurance

Do you own or are you a member of a symphony orchestra? If so, then what is the definition of a good insurance policy for you? Something that processes your claim and compensates against it? Read on!

The show must go on!

As far as the world of performing arts and music is concerned, the thumb rule is - the show must go on. Therefore, you should choose an insurance company that stands by your side when a problem occurs and solves it as quickly as possible. It is where a specialist symphony Orchestra Insurance comes into play. A decent policy from a reliable insurance partner ensures complete protection of your musical instruments, equipment, accessories, and crew.

Orchestras comprise different types of gears and musical paraphernalia. Moreover, they are prone to a range of risks. With a customer-friendly insurance company, you can take a sigh of relief from the after-effects of mishaps that could arise and focus on your music.

Things that could go wrong

Many people when, advised to buy a musical instrument insurance plan, ask one question -

What could possibly go wrong with my gears? I take good care of them. Do you think the same way?

Well,

Here are some questions for you:

●    What if your lead guitarist's string is damaged during transportation?
●    What if one of your crew members gets injured while performing?
●    What if equipment or props you borrowed gets stolen?
●    What if you cannot reach the venue due to a flight delay?
●    What if you accidentally hit an audience with your gear leaving him or her injured?

The answers to these questions can change drastically based on one factor - whether you have musical instrument insurance or not.

Answer 1: If you do not have dedicated Orchestra Insurance and you fall prey to any of the scenarios (given in the question), you might hit a rough patch, both financially and emotionally.

Answer 2: If you have dedicated musical instrument insurance designed for a symphony orchestra, you can come out with a flash of silver lightning no matter how adverse the situation is.

So, the choice is all yours whether you want to buy a standalone insurance plan for your orchestra and give your best performance whenever you hit the stage or be without a cover and repent later on.

The extent of coverage you can enjoy with dedicated orchestra insurance

An all-encompassing musical instrument insurance plan can help you with the following situations. Let us take a quick look:

●    Property insurance: It covers all your musical instruments, offices, computers, AV instruments, props, mixing desk, and accessories.

●    Loss of income cover: It protects you against loss of income and ensures income flow during unforeseen events of technological and physical disturbances. It includes power failure, telecommunication faults, flood, fire, among others.

●    Public liability insurance: It compensates you if a third party is injured or his or her property is damaged with you at the party at fault.

●    Workman's compensation insurance: It compensates your employee(s) on your behalf if the former is injured on duty.

Besides the extent of insurance coverage mentioned above, you can also avail yourself of worldwide cover, transportation cover, policy customization options, and a lot more with a customer-friendly insurance provider.

The verdict

After going through this article on specialized musical insurance for musicians and everything musical, now you probably understand the importance of having one. Right? So, without making any more delays, get one for your band and give your 100% every time you perform.

Always remember staying ahead of uncertainties might not be possible. However, staying prepared is always in your hands.

Musical Instrument Coverage Kicks in When Uncertainties Can Knock You Out

Picture this: You own a 1969 Fender Mustang, and you went to a concert with your guitar as an audience. After hearing a not-so-good rendition of your favourite number, you got furious and smashed your guitar into pieces out of the bad mood. After a couple of moments, you realized - what blunder you have done!!! You immediately called your home insurance provider, filed a claim, and they quickly reimbursed the entire value of your Fender Mustang. Wow!

WAIT! Do you think insurance policies work like this? NO. They don't! And, although your home insurance plan may protect you against many perils, right from theft to natural disaster, it won't cover you if you intentionally break your musical instruments.

Moreover, it has several other limitations too. So, what should be your take here? To ensure all-encompassing coverage, make sure to get a specialized musical instrument coverage policy.

When will your musical instruments insurance plan kick in?

Unlike your home or renters' insurance policy, musical instruments insurance plans protect you from accidental damage to your gear or mysterious loss of the same.

Here are some situations, for example:

●    You are rehearsing with your musical instruments, and suddenly it broke due to a fall or pressure.

●    You left your guitar in the lounge of a gig space and went to the loo. When you came back, alas, it was gone, and you never saw it again.

●    You are relocating your home music recording studio to a new house. While shifting your musical instruments, you dropped your flute, damaging it badly.

●    You and your crew decided to do a roadshow. Wow! Great idea! When you were in the midst of the jam, suddenly it started raining. As worse as it could be, your electric piano and guitar were gone with lightning sparks.

These are some of the many situations where your musical instruments insurance plan will kick in and protect you and not your home or renters' insurance. 

What musical gears does insurance for musical instruments cover?

Many people ask, is musical instrument coverage only for traditional instruments? Well, although it would be wise to confirm it with your provider in the first place, most customer-centric insurance providers cover a wide range of musical instruments, regardless of their families, models, and makes. So, whether you want to include a guitar, a flute or a turntable, or a MIDI keyboard, you can always do the same.

What about the sheet music and other accessories?

Coverage for musical accessories is one of the best things about dedicated musical instrument insurance policies with reliable and customer-oriented insurance providers. Yes, you heard it right. With a comprehensive musical instrument plan, not only your musical instruments but the accessories are also covered, including sheet music, cables, speakers, mic, and others.

Also, a comprehensive musical instrument insurance plan makes sure to cover different types of musical instruments. So, whether you want to insure your woodwinds, strings, keyboards, or anything else, you have your back covered. No wonder the policy is called all-inclusive.

Will your home insurance cover you if you play professionally?

If you simply want to rely on your home insurance plan, you should keep something important in mind. If you play professionally, your home insurance will not cover you.

To conclude!

So, these are some of the crucial information about musical instrument insurance plans and how they differ from home insurance. Hopefully, it will help you clear all your common if and buts associated with protecting your musical instruments.

Once you have assessed the range of coverage you want, choose a good insurance provider and get your gears covered before it is too late.