What Type Of Studio Cover You Need?

 

Music, be it a source of livelihood or passion, needs you to be devoted to it. However, do you know what is common in both scenarios - being a pro and just-a-hobbyist? Your musical instruments. Isn’t it? And, in case you own a music recording studio, then your belongings go way beyond only musical instruments. Then you have to take care of an entire facility that houses recording gears, musical equipment, woodwinds, strings, keyboards, mixing desk, mic, sound system, and what-not. Right? Is your music recording studio safe from the unforeseen perils? Do you have enough Studio Cover?

 

Your studio. Your Investment. Protect it wisely

If you play musical instruments or record music on a professional level, needless to mention, but there is a lot of time, money, and effort involved. Even if you have a tiny home studio, it can contain several thousands of investments that you have done over the years. While you would never want to think of the ugly consequences of mishaps that can break your business, no one actually does. Disasters do strike. Therefore, it makes sense to secure your investments from all possible uncertainties that life can pour on you cold-heartedly. But how can you do that? With the help of a padlock? Well, not exactly a padlock, but kind of. You can secure your recording studio by getting a standalone studio coverage for your den.

 

Why not your home insurance?

 

When it comes to insurance policies, these are all about covering risks. So, an insurance service provider should be capable of understanding the range of risks you, the policyholder, can come across. If they do not understand the same, they will not be able to cover you properly.

So, now come to the main point, why not your home insurance? It is because such insurance plans are fabricated to protect the perils that your home's building can face, not to protect the home studio that you use commercially. Yes, your home insurance policy can cover your musical instruments up to some extent in some cases. However, that extent is very less likely to help you.

 

What type of cover do you need?

Now let's find out the type of covers you can choose from. Understanding it will help you choose the right policy for your recording studio.

With a customer-friendly insurance service provider, you are likely to avail the following features and coverage options. Take a look -

All-risk cover - It ensures that your music recording studio and its content is safe from all possible risks. It includes - fire, flood, rainfall, theft, robbery, and thunderstorm among others.

Worldwide cover - Being a professional musician means traveling would always be there on the cards. Right? Having this cover ensures that your gears and equipment and your finances are safe, no matter where you go.

Third-party liability - It is one of the most important covers that you should never ever ignore. It protects you from a number of financial hassles, including - lawsuits, paying for medical bills for someone else, and so on. What happens is - if any other person or his or her property is damaged or lost because of your musical instrument, you are likely to be liable for the situation. Therefore, you will have to take care of all the expenses. However, when you have the third-party cover, your insurance provider will take care of everything and you will not have to shell out even a single penny.

Borrowed instrument cover - In case you have borrowed a piece of musical equipment and it is damaged or stolen, then also some musical insurance policies ensure coverage. However, the terms and conditions might vary from one service provider to the other. So, it would be wise to seek assistance from your insurance provider and clear your doubts in the first place.

So, these are some of the many features that you are likely to get with your Studio Cover. Why wait? Get your plan now!