Everything You Need to Know Before Purchasing a Brass Instrument

It does not matter if you are a professional musician or someone who plays occasionally on demand - the significance of musical instruments in your life cannot be neglected. And especially when it comes to brass instruments, you need to be extra careful.

To protect your brass instruments at all costs, you may be looking forward to brass instrument insurance plans that cover most of the risks as well as come within your budget, right?

Well, there are multiple aspects of such coverage and choosing the best one is the only way to go.
 
But before you do that, explore how an insurance policy can help and why you should get one for yourself.
 
What Do You Mean by Brass Instrument Insurance?

A brass instrument can be understood as a musical instrument that delivers sound pitches when air is blown through the mouthpieces. When the rich brassy sound comes out, it is considered to be heavenly and pleasant.

However, there are times when these musical instruments may encounter problems where the gear can be compromised.

To protect the gear at all costs from such damage besides loss or theft, brass instrument insurance is needed to be purchased by a musician.
 
This type of insurance plan prevents the musician from bearing the expenses of repairing or replacing the instrument because of unwanted problems.

Know Why It Is Important to Get Your Brass Instrument Insured

Are you thinking that getting an insurance policy done for your favorite instrument is a waste of money?

Well, then wait and check out the benefits that come along with purchasing it.
 
●    Prevents Negative Impact on the Music Career

It does not matter how popular a musician you are or if you are just a beginner - having purchased an insurance plan for your favorite instrument can prevent a negative impact on your music career.

This means you do not have to wait for months to buy a new brass instrument before a concert if your old one gets damaged or stolen. The right insurance plan would take care of it all.

●    Keeps Your Musical Instrument Safeguarded

A trusted insurance partner will guide you to avail of an insurance plan that will help to keep your instrument and its accessories safeguarded. There are times when you may have to travel from one place to another for musical events.

This means there would always be increased chances of encountering accidents, theft, and other unwanted events. When you have musical instrument insurance in place, you can stay rest assured that it would offer coverage for such instances.

●    Offers Peace of Mind

Knowing that your gears are safe both in and out of the home allows you to stay relaxed. As a musician, you gain the peace of mind that your brass instruments can easily be repaired or replaced without needing you to spend much.

This whole thing enhances your musical performances for sure. A musician needs complete focus on his music to perform at their best- isn’t it?

What are the Basic Features to Expect from a Brass Instrument Insurance Coverage?

The basic features to expect from a full-fledged insurance policy coverage start from maintaining the unique sound to helping it to look new as always.

But that's not the end. When you purchase an insurance plan specifically for the brass instrument, it keeps you protected from common risks like theft, accidental loss, damage, and so on.
 
Apart from that protection from natural disasters can also be expected depending on the type of insurance provider you have chosen.

Moreover, if you are a frequent traveller, then the plans will safeguard your brass instruments, particularly in times when they are left unattended in the vehicle.

Choose the Best Brass Instrument Insurance Policy- The Best Gift for Your Instrument!

As the benefits of purchasing brass instrument insurance are endless, make sure that you have hired the right insurance provider for it and have chosen the most profitable plan.
 
One such renowned and trusted insurance provider you can rely on completely is Clarion Associates.

Being in the industry for over 50 years, they have been offering the best type of plans to their clients. You can expect your specific needs to be understood by them and receive complete assistance throughout. When you are covered by Clarion, you are safe at all means!

The Best Insurance Plans for your Lost or Damaged Guitar

Be it they are performing at home or on a tour - any musician makes sure that they are delivering a pleasing sound that amazes the audience.

Also, it would not be wrong to say that the amount of time you are spending with your favorite guitar creates a strong bond between the musician and the instrument.
 
However, when you are performing or about to perform, you need to make sure that your guitar is safe. Besides taking extra care of it, one thing that can save you is guitar insurance from renowned insurance providers like Clarion Musical Instrument Insurance.

Who knows when your favorite instrument gets damaged or lost?

Touchwood! But you need to be careful by making insurance for the same, so that, you can get the instrument replaced or repaired at the time of urgency.
 
At this point, you might be wondering what is guitar insurance, some more insights on the same like why is it important, what premiums to be paid, etc. Let’s dive deeper into the following sections. 

Why is Guitar Insurance Important?

There is not one reason why you may need guitar insurance. So, check out some of the valid reasons before you make a purchase of a plan.

●    Get Another Guitar

There may be times when your guitar may get damaged, stolen, or lost for some reason.

Now imagine having a performance within a week and you are out of cash to spend on a new guitar. This is when the guitar insurance can cover you and reduce the amount of time you would be spending without a guitar.

●    Save Money on Repairs

If your guitar requires a repair or you are looking forward to renting or purchasing a brand new one, having insurance can save you.

There are plans which can cover all of the above demands or particularly one of them depending on your situation.

●    Peace of Mind

It does not matter if your guitar has been stolen or you have lost it somewhere when traveling - what you may lose the most is your mental stability.

In such times, guitar insurance can give you a sense of relief that you would be covered and supported by all means at the earliest.
 
●    Professionals to Assist You

Having guitar insurance means you would be having professionals to assist you in times of need.
 
In case of being stuck in a problem with a musical instrument, you can contact the professionals and resolve the query over the phone.
 
What are the Basics Covered in Most Insurance Policies?

The guitar insurance policies are masterfully designed keeping every small situation under consideration that a musician may have to encounter.
 
#1: Coverage While Travelling

Starting from offering coverage when traveling from one place to another - you should know that any trusted insurance policy would not be restricted to your hometown only.

However, the chances of covering insurances while baggage checking or others may not be considered depending on the plan you are choosing.
 
You may also not be offered any coverage if your guitar has encountered a situation of nuclear threat, mold, vermin, wear, and tear.
 
#2: Damage Due to Natural Disaster, Theft, Lost

You can stay rest assured that your guitar is covered during times of natural disaster like floods, and fire besides situations like theft or damage.

Additionally, it is highly recommended to consult with the musical insurance service provider as all plans differ depending on the policy you are choosing, the instrument you have, the provider you have selected, and so on.

Time to Choose the Best Guitar Insurance Plans for Yourself

If you want your guitar to be safeguarded by all means, make sure you are choosing a renowned insurance provider like Clarion Musical Instrument Insurance.

Being a leading provider of guitar insurance, they have a wide range of plans available under their roof. No matter what type of guitar you have, they offer coverage for almost all the branded models.

All you need to do is contact the officials and consult with them. Even if you own a local guitar, you can discuss the plans with the officials for the best guidance.
 
With more than 25 years of experience, they have come up with plans which are beneficial for beginners to advanced level musicians.

When you call them up, you can expect prompt assistance related to your query, and the best plans to be offered to you with the least expenses and best coverage.

Reasons to Buy a Dedicated Orchestra Insurance Policy

Processing an insurance claim and looking into it for quick settlement is not the only thing about good insurance plans for musicians or orchestras. When it comes to performing arts organizations like symphony orchestras and bands, the show should never stop for anything or anyone. It must go on. And therefore, you need a dependable insurance partner who would be there for you to solve the possible issues at the earliest. By offering you a comprehensive and specialist insurance plan, an insurance carrier takes the pain away and lets you play beautiful music, and give your best while protecting your business.

The more the exposure, the more need to get covered

As you already know - orchestras, ensembles, and musical bands present specific types of risk exposures. And the advancement of the Internet also opens you to different online and digital risks. Therefore, it is always wise to be prepared. And, as far as musical instruments and bands are concerned, what other than a feasible Orchestra Insurance could be a better option. 

Answer some questions to understand the importance of a dedicated plan

If you are not aware of specialized insurance plans for orchestras, bands, and ensembles, you may have several questions in your mind. Right? You might also be wondering - why is a specialized insurance plan, and not a rider on your home insurance plan? Here are a couple of questions for you to answer. Let us take a quick look:

●    What if the musical instrument of your band's leader gets damaged during transportation?
●    What if someone from the audience gets injured during your performance?
●    What if the props, costumes, or equipment you borrowed get damaged?
●    What if one of your band members gets injured on stage?
●    What if there is an earthquake in your area, and it plunders your musical paraphernalia?

Dear reader, you already know the answers to these questions. So, if any of the above scenarios arise, your home insurance plan will not cover you, and you might end up hitting a rough patch. And, you have to make all the payments on your own. It could be detrimental to your finances as well as your business. Therefore, you should not give any second thought to specialized musical instrument insurance plans and go for a suitable one without further ado.

Will a specialist insurance plan for orchestras cover the above scenarios?

Many people ask - if home insurance plans do not cover the above scenarios, will a specialist plan cover the same? Or, what situations or events does an all-encompassing Orchestra Insurance plan cover? Well! Yes! A specialist insurance plan for symphony orchestras will cover them and even more. Read on to learn about what does an insurance plan for symphony orchestras and music bands offers:

●    Property cover: It includes offices, musical instruments, sheet music collection, props, audio-video equipment, computers, stocks, and other properties.

●    Workers' compensation cover: It covers your finances if an employer gets injured working for you.

●    Consequential loss cover: It covers your income flow in the event of technological or physical disruptions. They include - power cut, telecommunication failure, flood, fire, etc.

●    Public liabilities cover: It pays for the compensation bills as a result of third-party personal or property damage.

These are some of the offerings of a dedicated insurance plan designed for musicians and orchestras. So, now that you have an idea about it, let’s check out how a reliable insurance partner is crucial. Always remember, the quality of your insurance mostly depends on the insurance provider you choose. So, be wise and choose the right one to protect your musical band from the unforeseen.

Make an informed choice. Select the best service provider.

A reputed and experienced service provider understands the risks and apprehensions you are likely to come across. Therefore, they offer seamless support and appropriate advice to the buyers. So, considering the expertise and goodwill of a provider will help you choose the most suitable one to cover your orchestra.

What Do You Need to Know About Insuring Your Cello Instrument?

Have you bought a cello recently? Is every person you meet (of course, of considerable professional standing) suggesting buying a specialist plan for your musical instrument? Are questions like the following crossing your mind like anything -

●    How much does a musical instrument insurance plan cost?
●    What extent of coverage does it offer?
●    When does the policy come to action?
●    Is it worth investing in an insurance plan only for your musical gear?

Well! A Cello Insurance plan is like a protective umbrella that you should have in advance because if you buy it once it has already rained, it would be useless. Right? Hopefully, you get the point. So, the best time to buy an instrument-specific insurance plan is before a disaster hits.

Attention! Home Insurance Owners! Attention!!

You have a hefty home insurance plan. That’s good! Wait! Are you planning to include your musical instrument under it (it is one of your properties, after all)? It is highly advisable not to go that way. If you do so and suppose your cello is stolen from your studio or an unattended vehicle, your insurance policy will not cover it. So, it does not make any sense. Therefore, industry experts recommend buyers get a separate insurance plan for their musical instruments to be on the safe side.

Invest Now, Relax Tomorrow and the Years to Come

Another question that may bother you is - what should be the minimum value you should consider getting an insurance plan? You may get started at around $5,000, say, industry experts. What if your string or whichever musical instrument you own is not that pricey? Good question! Although your gear may not be costly, you may end up buying some pretty bows, maybe a decent case, other relevant accessories, and perhaps, a collection of sheet music. Right? These could surprisingly add more figures to the value. So, in light of the same, getting an insurance plan is a wise thing to do. It is particularly crucial if your life and livelihood depend on your cello, and replacing or repairing it is a big deal for you.

Learn About The Area of Focus

There are a couple of things you should know before you invest in an insurance policy. The insurance carriers that deal with musical instrument insurance plans offer more or less similar services. However, their focal areas are likely to be different. For example - Company A specializes in woodwind musical instruments, and Company B handles string gears of all types. Company C offers all-encompassing services, and Company D covers musical bands and orchestras. Some companies also make group programs with alliances like the American String Teachers Association (ASTA). If you happen to become a member of any such association, the risks are shared by members. Being a part of an association is an added advantage. Therefore, make sure to choose the right company that suits your insurance needs.

Homework is an Imperative Chore

Do your homework in the first place. Do online research about the musical instrument insurance companies that offer Cello Insurance plans. Learn about their services and specialties. After researching, follow up with them and discuss your personalized insurance requirements. This way, you can make an informed choice. Always remember! Musical instrument insurance policies are designed to protect you at the time of need and cover your worldwide, regardless of where you are - your home, your neighborhood, your studio, or an entirely different country. So, check with your insurer - if or not they offer worldwide coverage. Otherwise, you might end up choosing a plan that is not worth its salt.

To Conclude

These are some of the crucial things that you need to know about insuring your cello. Hopefully, after going through this blog, the concept of musical instrument insurance is pretty much clear to you. So, be wise, find a suitable insurance plan for your cello and play to your heart’s content.