Why is Insurance Important for Musicians? Complete Guidelines

Musicians are engrossed in their glamorous world. Music is not only a passion for professional music players but also their reason for survival. As they have to travel frequently from one venue to another with their expensive instruments, they may face some unfortunate incidents that cause damage and even loss of their valuable possessions.

Did it ever strike your mind why a professional performing artist needs Musicians Insurance? Listed below are the types of coverage that musicians often require.

Public Liability Insurance - Are you all set for your upcoming gig? You might have invested a lot for the entire setup starting from the venue, stage decorations, banners or promo materials, microphones, monitors, all-electric equipment, and all above your all expensive instruments. It seems to be all great till everything goes according to your plan. However, as no one can forecast what happens in the future, it’s always better to be ready for the worst and take necessary precautions.

Have you ever thought about accidents taking place to any of your guests who trips over some cable wire kept in the auditorium and ends up in the hospital with a severe injury? In such a scenario, the person could sue you for a claim to succumb to an injury. Or if you have hired someone’s place for your performance, and accidentally you cause damage to the floor owing to mishandling of your equipment, you might face legal consequences and financial loss.

In such cases, Public Liability Insurance plays a significant role. It works as a safeguard that protects you from legal liabilities and financial loss against bodily injury to a third party or damage to any third party’s property. You can claim the legal costs and compensation expenses up to the limit mentioned in your policy.

In modern society, as performing musicians, Public Liability Insurance is a must as authorities and venues may not allow you to perform if you are not insured.

Employers’ Liability Insurance - As an employer, it is your whole and sole responsibility to protect your team members and provide them with ultimate safety. During a performance, any of your employees fall massively while setting up the stage and get an injury or is hurt at the time of lifting heavy equipment. Resultantly the person can lodge a legal complaint against you for the accident caused.

Opting for Employers’ Liability Insurance would be a great relief for you in case of an accident resulting in injury or death to your employees during their employment.

Equipment Insurance – If your musical instrument gets accidentally lost or stolen, Equipment Insurance acts as a backbone to save yourself from unbearable loss. If any piece of equipment is stolen from backstage on the day of the performance, with the help of musician insurance coverage, you can claim for the loss if you have an equipment policy.

Professional Indemnity Insurance – By profession, if you teach music, you need to opt for Professional Indemnity Insurance to get yourself secure. If your student fails a music exam, he can sue you by blaming your inadequate teaching technique. In this scenario, to defend against these allegations, Professional Indemnity Insurance works as a weapon to protect you and pay necessary legal fees and compensation.

Property Liability Insurance – As a professional musician, your vocation might demand you to travel places. It is imperative that you would carry your expensive instruments with you. In case of any kind of damage due to theft, breakage, or fire, Property Liability Insurance will help you to recover your loss in terms of repairing or replacing it.

Product Liability Insurance – If your sold musical gear causes harm to someone, product liability insurance will cover the cost of any resulting legal and financial liabilities.

Last but not least – For a professional singer or a music composer, it is always advisable to opt for Musicians Insurance to safeguard any risk of disruption to your professional career.

Do You Know That Your Saxophone Makes You More Creative?

The saxophone is one of the most beautiful additions to a musician’s life. Alongside its gorgeous looks, it has many other features that easily win many hearts. As the saxophone requires a single reed to produce sound, it gets classified as a woodwind instrument.

Though the shiny body of the saxophone has a metallic look, however, irrespective of what it is made of, the instrument gets classified on the sound they produce.

Sax is quite a popular jazz instrument and gets recognized in other creative genres like classical and contemporary music. Due to its wide range of dynamics and flexible sound, musicians get the opportunity to flourish their creativity vastly. The Alto is one of the most popular saxophones because of its style, shape, and versatility of tone, and the Baritone is the largest in size of the four main categories of saxophones.

Here Is Some Vital Information About Your Saxophone Instrument

An orchestra instrument owner requires detailed knowledge and a fundamental understanding of the musical gear. They should also be aware of a few prime factors mentioned below.

•    A tooth patch is essential for your saxophone mouthpiece. It will help protect the instrument as well as your teeth.

•    A neck strap is an integral part of the sax as it is unsafe to perform without the same. Holding the instrument for a long time is difficult because of its weight. At the same time, our hands are not strong enough to hold an orchestra without support for long. Better to have a padding strap for safe and comfortable performance.

•    The sewing machine oil works as a lubricator for your saxophone keys. A drop of oil will keep the keys running smoothly.

•    Avoid keeping the saxophone in an extremely hot or cold place or the basement, attic, or garage area. It’s always advisable to store the sax in a dry place at room temperature. The best is the back of a closet.

•    Sax is the worst for sticking and trapping bacteria. Rinse the mouthpiece with hot water and a good quality detergent-free liquid soap. Wipe it thoroughly until it gets dry. A leather casing also helps to protect it from getting damaged.

•    It’s better to wipe down the reeds with a clean, dry towel or specialized swab after every use.

•    If the pad absorbs moisture, clean it immediately.

•    Never miss brushing your teeth before playing the mouthpiece as sugar is like poison for the saxophone. Sugar and saliva make a dangerous solution that hampers the sound.

•    Once a year, it is advisable to take your sax to an expert technician for an annual servicing so that over a long span you can expect a decent performance throughout the year.

Do you wonder how you protect your vintage instrument from theft? Secure your orchestra with the Saxophone Insurance Plan.

For a musician, nothing is more important than keeping their instrument safe and secure, especially when their monthly earnings depend on it. Apart from daily maintenance, every musical piece of equipment needs special coverage that prevents accidental damage or severe loss. In that case, being an orchestra owner while looking for dedicated insurance coverage for your sax, you are on the right track. Saxophone Insurance is designed with components keeping your instrument risk in mind. If you insure your most valuable music equipment with a specific musical coverage plan, you can rest assured that your favorite instrument is in good hands.

Clarion insurance protects your instrument even when you are out of your home.

A musician never wants to think about the worst situation like theft, loss, or damage of the instrument while practicing in the studio or outdoors. However, there is no denying that accidents happen, and being a performing musician you have to be ready for the worst. Here is a relief for you as Saxophone Insurance protects your favorite instrument even when you are out of your premises.

When Your Fiddle Becomes the Best Companion of Your Life

Have you finally made up your mind to buy a long-awaited fiddle? A musician cannot deny that purchasing a decent string instrument requires a good investment and almost a year to learn and develop oneself from the beginner stage to an accomplished fiddle player. When you spend your hard-earned money and time on your passion, you should keep your favorite instrument in extreme care. Here, fiddle insurance comes in handy. Regular care, routine maintenance, and insurance coverage act as a weapon for the sustenance of your favorite string instrument.

Is it difficult to take good care of your fiddle?

The answer is "No". Here are a few quick, simple must-do steps that will help you to keep your four-string wooden instrument in good shape.

Regular cleaning will help prevent damage.

After every playing session, it's a mandate to wipe the wooden body of the fiddle with a dry soft microfiber cloth as the varnish on the wood is quite delicate. Without proper cleaning, it might lose its shine with time. Also, as the strings are an important component, it needs to get wiped gently with care.

It is always advisable to change the microfiber cloth regularly. For best results, the cloth or duster has to be changed after every wipe and keep it away from dust, dirt, sweat, and rosin.

Along with proper care, make a habit of keeping your string instrument in a strong, hard, fine-quality wooden case as exposure to air, humidity, or direct sunlight may cause damage.  Using a cost-effective casing is not a great idea at all. A cloth-based bag is not also advisable to consider for your valuable instrument.

In addition, the fiddle should be at room temperature as strings of instruments can get cracked or swollen in high humid conditions. To obtain a sustainable performance of your instrument better to keep it in a solid wooden casing with a proper locking system at a stable temperature.

There is a "Big No" to using any commercial polishing liquid, wood cleaner, or water for cleaning your fiddle instrument. A regular wipe with a dry cloth is enough to keep it away from any damage.

How to clean rosin from strings?

Rosin dust is the white substance that you find on your string instrument. Despite regular cleaning of the fingerboard and string, you may find a lot of rosin and dirt on your fiddle that sometimes gets thick and difficult to get wiped out with a dry cloth. In this scenario, you need to take special care and use the specialized string instrument cleaning solution or an Italian branded cream or polisher that will enable you to get rid of the rosin completely.

Never buy any oil or solution from a local hardware shop. Annual servicing of your fiddle is also necessary for long-term performance. It is always better to consult a professional and get a deep cleaning to protect your fiddle musical instrument.

Is it required to change the strings of the fiddle frequently?

The frequency of changing the strings depends on several factors. Majorly, it depends on the quality of strings used in the fiddle, the playing habit, and maintenance. According to the experts, the strings of a fiddle should be changed every 6-12 months.

Why is insurance integral for your fiddle?

Regular care, proper maintenance, and time-to-time string replacement will keep your fiddle in great shape and enable it to perform well for a long time.

However, despite many efforts to keep your musical gear in perfect condition, still, mishaps occur that are beyond anyone's control. Only secured fiddle insurance coverage can save it from irreparable damages. In the case of fire, theft, or any other accidental damage, a dedicated musical instrument policy would be a relief for you and save you from incurring high replacement costs. So, get your favorite instrument insured with music insurance company now.

Features and Benefits of Violin Instrument Insurance

Are you looking forward to renting a string musical instrument or buying a brand new one? A high-quality gear from the violin family is delicate and priceless. It goes a lot of dedication, precision, and effort into making a violin that produces heavenly sounds. No wonder even the starting range of string instruments made for beginners is so expensive. So, such musical gears deserve best-in-class care and protection.

The best way to protest your violin

As far as the protection of your beloved violin is concerned, getting sufficient Violin Insurance coverage should be your priority. It will ensure top-level safety for your string and ultimate peace of mind to you. Most importantly, it is one of the best ways to protect your finances while safeguarding your finances.

Like any other expensive and frequently used musical instrument, getting a suitable insurance plan for your violin can help you prevent making huge expenses if your gear is damaged or lost.

You may ask - if ensuring musical equipment and accessories is so important, why is sufficient information not available down the line? A valid question, indeed. However, it is similar to asking why you should buy an insurance plan to protect your home or vehicle. Hope you got the point.

Rental insurance does not work worldwide

Moreover, many musical instrument dealers provide rental insurance with their gears. However, this practice is not followed worldwide. Some instrument owners rely on their home insurance for protecting their gears. However, home insurance might not be the right choice as it has many caps that outweigh the benefits.

Top reasons to buy violin insurance

Fluctuations in temperature and humidity can make your violin behave in unwanted or weird manners. For example - it may make it out of tune or melody. In case the damage is intense enough, it may make your gear go beyond repair. The thing with wood is - if it accumulates too much moisture, gets swollen, cracks due to excessive dryness around or undergoes any climate-related loss or damage, you will not be able to perform using it. The only solution left to you is - to repair it or buy a new one (it is practically not possible for everyone). However, if you have a Violin Insurance plan, you can rest assured about emergencies. Your insurance policy will take care of the expenses.

Regardless of how cautious you are, no matter how carefully you store and take care of your string to prevent mishaps, accidents happen by chance and most of the time, they cannot be avoided. What if your little sister decides to imitate you playing the violin and drop it? What if your pet finds it interesting and damages it out of immense curiosity? Things like these happen pretty often, and only a dedicated music equipment insurance plan can protect your gear from the after-effects of the accidents. Based on the insurance provider you choose; you can expect repair and replacement coverage up to the policy maximum.

Musical instrument and accessories insurance is also a win-win for professional musicians. Are you always worried about your violin and other gears when you ship them to another state before your performance? Do you worry about transportation-related damages and losses? If so, then a musical instrument insurance plan is like a sigh of relief for you. Yes, it covers your equipment and accessories on the go and all over the world, no matter where you go. A reliable and reputable insurance provider has a network all over the country that makes emergency help readily available at the time of need. So, there is no need to be worried about your gear and finances.

These are some of the main features and benefits of an insurance policy dedicated to musical instruments. Hopefully, this writing will help you understand the importance of having proper insurance coverage for your violin and make an informed purchase. Always make sure to research your options before zeroing in on any particular insurance product.