It goes without saying that you have worked hard and put
in a lot of time, effort, and resources to sharpen your musical skills and
reach the point where you are standing right now. And, perhaps, you have spent
fortunes on collecting your musical instruments and taking good care of them.
Right? So, what have you done so far to protect your musical instruments? Well,
you have made regular visits to the maintenance and repair workshop, you have
cleaned your gears properly, and most importantly, stored them securely in the
right cases. However, have you invested in buying a musicians insurance plan? If you don’t have this documentation yet,
you cannot claim that your musical instruments and the entire paraphernalia you
have are protected from the possible perils. Can you?
Dear reader, if music is your life, it is your
livelihood too. And, you need to do whatever it takes to secure your livelihood
or business from the uncertainties of life.
Know more
about insurance policies for musicians
As far as insurance plans designed for musicians are
concerned, there are two aspects associated with them. They are - insurance for
your musical instruments and public liability cover.
Safeguard
your gears like never before
If you are a professional instrument player and you are
almost always busy playing in a lot of music gigs across the world, your gears
mean a lot to you, right? In such a scenario, you should get your gears insured
without giving any second thought to it. No matter whether you have home
insurance or not, dedicated musical instruments insurance is a must for
musicians. If you take a look at your home insurance policy, you are most
likely to find exclusion clauses too. One of them might read that if you play
your instruments for commercial purposes and derive income from them, your
gears won’t be considered as a part of your home insurance coverage.
Say
goodbye to public liability
Another aspect of Musicians
Insurance is public liability cover. This part is integral to risk
financing and protects you from public liabilities, including lawsuits, medical
compensation, and other similar types of claims. Without this cover, you will
not be completely protected against the vicious circle of public liabilities.
As a performing artist, you cannot say that you are public-liability-proof
owing to the environment you work in. What if you accidentally hurt any crew
member? Even worse! What if you injured someone from the audience? Well, long
lists of bills would be awaiting! Therefore, public liability cover is very
crucial.
How much
do you need to shell out for buying insurance for musicians?
There are several factors depending on which the cost of
an insurance policy depends. It includes - the area in which you work, the
extent of coverage you are looking for and for how long you want the cover, the
number of people in your crew, among others. One of the best things about
buying an insurance plan from a reliable insurance provider is, you can
customize the policy according to your needs. It will help you save a great
deal that you may have spent otherwise.
No more
relying on home insurance
So, all the musicians out there, if you have been
thinking that your home insurance plan will come to your rescue in the time of
need, now it’s all clear to you that dedicated insurance for musicians is
important. So what are you waiting for? Get in touch with a reputable musical
insurance service provider and find the right insurance plan for your gears.
Once you have the protection of an all-inclusive insurance plan, you take a big
sigh of relief.
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