Plan Ahead and Get Your Audio Equipment Insurance

As far as audio production is concerned, whether you are a seasoned professional or just a hobbyist, your equipment is no less than your lifeline. It is the tool that brings your creative vision to life. Isn't it?

However, despite your best efforts to care for and protect your gear, you cannot prevent accidents from happening. Right? From unexpected damage due to mishaps to loss from theft or natural disasters, anything can lead to bad financial health.

Therefore, it is crucial to be prepared for the unexpected. In this blog, we will take you through the steps you can take to safeguard your audio equipment and deal with the impact of potential damage or loss.

Invest in a Quality and Comprehensive Insurance Plan: It is Worth Your Money

One of the first steps you can take to protect your paraphernalia is to invest in comprehensive audio equipment insurance coverage. While you may think that buying an insurance product would be an additional expense, the peace of mind you will get would be priceless.

Look for insurance policies tailored to audio supplies or consider adding a rider to your existing homeowner's or renter's insurance policy to cover your gear. The latter option, of course, comes with its share of limitations.

Be sure to read the fine print and understand what is covered, including coverage for damage, theft, loss, and even coverage for equipment used outside of your home studio.

Document Your Gear: It’s Better Not to Take a Chance

Creating a detailed inventory of your audio equipment is essential for insurance purposes. It can help you streamline the claims process in the event of damage or loss.

Take photos of each piece of gear you have. Do not forget to include the serial numbers and any identifying marks. Keep a written record of the make, model, purchase date, and value of each item.

Store this documentation in a secure place, such as a cloud-based storage service or a physical safe.

Implement Proper Storage and Security Measures: A Little Goes a Long Way

Prevention is key when it comes to protecting your audio equipment or musical instruments. Invest in sturdy cases or storage solutions designed specifically for audio gear. These boxes will help protect your tools against physical damage during transport or storage.

When not in use, store your equipment in a secure place, preferably a dedicated studio space or room with limited access. Consider installing security measures such as alarms, surveillance cameras, or even a safe to deter theft.

Backup Your Data: It is More Important Than You Think

In addition to protecting your physical equipment, safeguarding your data is equally important. Make sure to regularly back up your audio files, projects, and settings to multiple locations, including external hard drives, cloud storage services, or dedicated backup servers.

Implementing a robust backup strategy ensures that you can quickly recover your work in the event of equipment failure, damage, or loss.

Stay Informed and Educated: It Always Comes to Your Rescue
     
Stay informed about potential risks and hazards that could affect your audio equipment, such as environmental factors like extreme temperatures or humidity.
 
Educate yourself on proper equipment maintenance and care to prolong the lifespan of your gear. Regularly inspect your equipment for signs of wear or damage and address any issues promptly to prevent further problems.

Take Control Because Your Gears Deserve It

Preparing for the unexpected is an essential aspect of audio equipment management for any audio professional or enthusiast. By investing in a dedicated audio equipment insurance plan, documenting your gear, implementing proper storage and security measures, backing up your data, creating a contingency plan, staying informed and educated, and networking with fellow professionals, you can effectively mitigate the impact of potential damage or loss to your audio equipment.

Remember, while accidents may be unavoidable, being prepared can make all the difference in minimizing disruption to your creative process and protecting your valuable assets. So, why not take these steps beforehand and take a sigh of relief?

The Importance of Cello Insurance: Protecting Your Musical Investment

As a dedicated cellist, you understand the importance of your instrument in creating beautiful music. Your cello is not just a musical tool; it's a valuable investment that requires protection. One essential aspect of safeguarding your instrument is obtaining dedicated musical instrument insurance. In this blog post, we will explore why cello coverage is crucial for every cellist while outlining the benefits it provides and the peace of mind it offers.

Protecting Your Financial Investment

Your cello represents a significant financial investment. Whether you own a beginner's model or a rare, high-end instrument, the cost of replacing or repairing it can be substantial. Cello Insurance provides financial protection against unforeseen events such as theft, loss, or damage. It ensures that you won't face a financial burden if something unfortunate were to happen to your instrument. By having a standalone musical equipment insurance plan, you can confidently play your cello without worrying about potential financial setbacks.

Coverage for Accidental Damage

Playing the cello involves a delicate balance between finesse and strength. However, accidents can happen, even to the most careful musicians in the world. Accidental damage is a common risk for cellists, whether it's a bump during transportation or an unintentional mishap while practicing. An Insurance covers accidental damage, including cracks, scratches, and other forms of physical harm. With this musical gear insurance, you can have your instrument repaired or replaced, ensuring that your musical journey continues uninterrupted.

Theft and Loss Protection

Theft and loss are unfortunate realities that musicians face. Imagine the devastating feeling of having your cello stolen or misplaced during travel. Cello protection provides coverage against theft and loss, ensuring that you are financially protected in such distressing situations. With cello insurance, you can replace your instrument quickly and resume your musical pursuits without unnecessary delays or financial strain.

Worldwide Coverage and Travel Protection

As a cellist, you may need to travel for performances, auditions, or music festivals. While traveling, your cello is exposed to various risks, including damage during transit or mishandling by airlines. A specialist musical instrument insurance policy typically offers worldwide coverage, protecting your instrument regardless of your location. It also provides additional travel protection, compensating you for any expenses incurred due to instrument-related issues during your travels. With a dedicated insurance plan in place, you can focus on your musical journey with peace of mind, knowing that your instrument is safeguarded wherever you go.

Additional Benefits

Beyond the core coverage, musical instrument insurance often includes other valuable benefits. These may include coverage for accessories like bows, cases, and stands, as well as liability protection in case your instrument causes damage to others' property. Some policies also offer coverage for rental instruments if your cello is temporarily out of commission. By exploring different insurance options, you can select a policy that suits your needs and provides comprehensive protection for your cello and associated accessories.

Few words of caution

If you have any plans to include your cello under your home insurance or renter’s insurance plan, be aware that it is unlikely to cover most of the potential perils your gear may come across. It will lead to an unwanted financial burden on your head. Therefore, industry experts always recommend having a suitable and dedicated insurance plan for musical instruments. Make it a point to listen to what experts say and stick to your decision of buying a dedicated policy for your beloved musical instruments.

Conclusion

Cello coverage is not just an optional extra. In fact, it is a wise investment for any cellist. By obtaining insurance, you protect your financial investment, secure coverage for accidental damage, theft, and loss, and gain peace of mind when traveling with your instrument. Remember to thoroughly research insurance providers and policies to find the one that best meets your specific needs. With the right coverage, you can confidently focus on your musical journey, knowing that your beloved cello is well-protected.

How to Protect Your Music Audio Equipment?

Audio equipment has been carrying a significant weightage for centuries. The journey from large-sized conical gramophones to digital electronic sound systems is a remarkable transformation in the music industry. In the modern era, from a gig to a large concert, audio equipment plays a vital role in engaging the audiences and adds a substantial fan base for the musicians.

Being a musician, you must have developed a special bond with your equipment and undoubtedly never want to lose it under any circumstances. However, the lifespan of the music system will depend on how well you safeguard it. Periodic maintenance, annual servicing, and Audio Equipment Insurance are three weapons that act as a protection shield for your beloved stereo set.

Here are five easy steps on how you can protect your instrument.

Keep your beloved equipment away from dust

Dust particles are dangerous for your sensitive audio system, as they can ruin the equipment from the inside and lead to unrepairable damage. Daily cleaning and routine maintenance are essential for your music system. A simple solution to remove dust from the surface is to wipe it with a damp cloth. However, it is always better to use dry fabric or a vacuum cleaner to clean pads, speakers, or other sensitive parts.

Heat is harmful to your audio system

It’s advisable to place your music system away from direct sunlight. Exposure to heat is extremely disastrous as it damages the electromagnetic voice coils, which ruins the sound output. Extremes of hot and cold temperatures may cause severe damage to your equipment. Room temperature is the best for the optimum life of your music systems.

Your sound systems require ample ventilation

Audio music systems need adequate ventilation to cool down when in use. Avoid piling equipment over each other, as substantial airflow should be allowed to circulate around the devices. If one component gets stacked on another, they start transferring heat that may damage your equipment. You can put a plastic sheet in between to avoid them getting heated.

Both humidity and moisture are equally detrimental, so try to store them in a dry place. Proper airflow not only improves the sound quality but also helps your music system to perform for years.

Keep your audio equipment protected from a power surge

High-powered equipment, poor substandard wiring, static electricity, lighting, and electrical overload cause voltage spikes and surges that causes harm to your music system and leads to irreversible damage. A surge protector provides primary protection and protects your audio equipment from getting damaged by unstable voltage fluctuation. However, the power conditioner does wonders in fully protecting your valuable music equipment against power surges, enhancing the audio quality, and reducing electrical noise.

Protect your valuable equipment with a suitable insurance plan

Whether it’s a musical instrument or a sound system, each piece of equipment is an asset for music players. Visionary musicians enforce all protection to not lose their invaluable gear due to any mishap or unavoidable incident.

Routine maintenance minimizes the damage that may occur due to dust, heat, or pollution. However, accidents are unprecedented and can occur at any point in time. As an instrument player, your profession may demand you to carry your equipment from one place to another as per the schedule of events. Traveling with instruments is full of risks.

Have you ever imagined the circumstances where your newly prized possession gets stolen from the gig, or you fall victim to a robbery, where you lose your most valuable equipment? Even your musical piece can get damaged due to natural calamities like floods, storms, or earthquakes. Natural disasters are unplanned that can disrupt lives. Hence, you cannot undertake any precautions to bypass them. Audio Equipment Insurance provides coverage for your favorite instrument. In case of any damage that needs repairing to the musical gear, the insurance could be a blessing and save you financially from this disaster.

Musical Equipment Insurance - Standards Features and Plus Points

Owning a musical instrument is a responsibility in itself. Starting from simple to deep cleaning, regular maintenance, and repairs, as and when needed, you need to be very protective about your gears. All of these care and maintenance things are okay. However, what have you done for the complete protection of your instruments?

Here, complete protection means anything that ensures that your gears are safe and your finance is sound regardless of the adversity of any given situation, such as fire, flood, theft, vandalism, public liability, and other eventualities. And, as far as musical instruments are concerned, Musical Equipment Insurance gives the best protection to musical gears as well as your bank balance. 

So, have you been worried about the protection of your musical paraphernalia while on the go? Or, are you concerned about the loss or damage to your instrument? When you have a comprehensive music instrument protection plan in place, you are safe, either way, and in many other ways. Now, let us learn about the standard features of a standalone insurance plan for musical instruments that you can expect with a leading insurance provider in your state. Read on!

Standard features of a musical instrument insurance plan

Public liability cover

We all know how unpredictable life is. Right? You never know what will happen the very next moment. So, as a performing musician, you are pretty much prone to get affected by accidents involving third-parties. There can be situations when a spectator or someone from your crew may file lawsuits against you for an accident. You may also have to pay for their medical bills. Such incidences can swipe off your bank balance in the blink of an eye. Dedicated Musical Equipment Insurance will safeguard you against public liabilities.

Musical instrument cover

If you consider your home insurance for covering accidental damage to your musical instruments, you might be doing it wrong. Your home insurance policy is least likely to cover your musical equipment and instruments if you damage them in an accident. However, with a dedicated musical equipment protection plan, you will get full-risk coverage. It includes - theft, flood, vandalism, fire, other natural calamities. Moreover, our home insurance will not cover your gears outside your home. However, with a standalone policy, you are most likely to get worldwide cover. You may customize your policy according to your needs.

Loss of income

Did an accident, such as instrument theft or damage, leave you with no work? Such mishaps can be extremely painful and emotionally draining. However, with a standard musical instrument insurance plan, you do not have to pay out of pocket. Your policy will cover your loss of income too.

Accessories cover

Your home insurance plan is least likely to cover the accessories that come along with your musical instruments. However, musical accessories are valuable too. So, what can you do about it? The answer is quite simple - get a musical instrument protection plan. Yes, you read it right. A dedicated insurance plan does offer accessories cover. However, make sure to check with your insurance provider beforehand.
   
Equipment Hire

If you filed a claim and want your insurance company to cover your rental equipment, you can always expect the same from a reliable insurance service provider. As the extent of cover might vary from one service provider to the other, you should make sure to inquire about the same before taking out a policy.

So, these are some of the plus points of a dedicated musical insurance policy that you are less likely to get otherwise. Dear reader! Always remember, emergencies drop from out of the blue. Staying prepared is the key.

Musicians Insurance - The Best Solution for a Musician’s Financial Foes

 

 

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.

 

 

What Your Music Equipment Insurance Cover?

 

Music Equipment Insurance for a musician is as imperative as car and home insurance for a car and homeowner, respectively. And, if you do not want to invest in buying a separate music instrument insurance because you have adequate home insurance that covers all your belongings, including your musical equipment, think for a while.

 

Although your home insurance says that it will cover your musical gears, did you read the terms and conditions properly? Once you thoroughly go through the policy papers or talk to your homeowner’s insurance provider, you will get to find about the limitations that necessitate buying a standalone musical insurance policy.

 

So, what are the limitations?

 

● Your home insurance policy covers your gears for sure, but only if something happens to those inside the premises of your home. Any damage or loss outside the home will go uncovered.

 

● Moreover, even if your gears are damaged or lost within the insured property, you are very less likely to get comprehensive coverage for your gears.

 

● Your home insurance plan will not provide you with worldwide coverage. What if you are a touring artist? Think about it!

 

● Regardless of the instruments you play, if it is for commercial interest, your home insurance plan will not cover you. If such a scenario happens, where you played for just one hour for a few dollars, and unfortunately, your guitar got damaged, oops, you will not be covered by your home insurance. The time and amount of money do not matter here. All that matters is, you played your gear for a commercial purpose.

 

● Besides, sometimes, you cannot avoid public liabilities. What if you accidentally hurt someone during your concert or recording or while giving music lessons to your students? What if all fingers are pointed at you? Who will pay for it? No, your home insurance will not. You have to do it Out-Of-Pocket. And, such expenses and rip your finances apart.

 

So, with all these limitations in place, do you think it would be wise to depend on your home insurance plan and go uncovered in the time of need?

 

Do your homework and find a reliable insurance service provider that offers dedicated and comprehensive Music Equipment Insurance and relax!

 

Claim settlement - Home insurance Vs. Musical instrument insurance

 

Claim settlement is another crucial aspect of any insurance policy. As far as a musical instrument-related claim is concerned, it takes experience in understanding musical instruments, their intricacies, and value in the market.

 

And, your home insurance service provider is least likely to be the right one to understand the value of musical instruments and how things work because they do have much experience in this domain.

 

For example, a musical instrument insurance provider is more likely to understand the bond a musician shares with his or her musical gears in a better way than a home insurance provider.  

 

Therefore, buying an instrument-specific insurance policy makes a lot of sense, both financially and emotionally.

 

How can you go about finding comprehensive musical instrument insurance?

 

Well, with a market full of insurance providers claiming to be the most trusted and the best, it can be quite a tricky thing to find a reliable and customer-centric service provider.

 

However, it is not a Herculean task. If you research and compare your options properly and do a thorough price-value analysis, you will find a genuine and reputable insurance provider with years of experience in the industry.

 

Dear reader, your musical equipment means a lot to you, not because you have made a lot of investment buying them, but because you connect with them. A good musical instrument insurance provider understands this connection well!

What Are The Costs And Benefits Of Getting Musical Instrument Insurance?

 

Getting musical instrument insurance may feel like an unnecessary luxury to some, but the reality is quite different. Musical instruments can cost a significant amount of money, and repairing them or replacing them can be rather costly as well.

As a musician, you probably consider your musical instrument to be one of your most prized possessions. You value the time and effort put into finding the perfect musical instrument, and you value the money you spent on it. The thought of it getting damaged or lost is a nightmare – especially if you depend on your musical instrument to earn a living.

No matter how careful you might be when it comes to your instrument's protection, life doesn't always go as planned. When things do go wrong, having musical instrument insurancecan help you get back to playing your music and further honing your craft much sooner. 

The Pros and the Cons of Getting Musical Instrument Insurance

Not everyone who owns musical instruments thinks they need to insure them. For example, if you own a violin or viola that primarily acts as a display piece rather than something you play, you may assume that musical instrument insurance is not needed. However, accidents can still occur inside your home, and those valuable or cherished instruments need to be protected.

For professional musicians who depend on their music to make a living, getting specialized insurance for their instruments is necessary. While proper instrument care is essential, it will not guarantee that your valuable musical instrument will last forever. Accidents, theft, and other things that can damage or destroy your precious instrument happen all the time, whether in the safety of your home or on the road. Repairing it or buying a new instrument out-of-pocket can be quite expensive, time-consuming, and stressful.

Musical instrument insurance will save you a lot of trouble and expense, as it offers coverage for both repairing and replacing your damaged, lost, or stolen instruments. If you are a collector of rare, expensive, or irreplaceable instruments, musical instrument insurance is essential for you. It will help cover both the cost of any repairs in case something goes wrong and any resulting depreciation in your instruments' value.

Why Get Clarion's Specialized Musical Instrument Insurance?

Getting musical instrument coverage as a part of your homeowners' insurance policy is an option for protecting your instruments, but it may not be the best one. In most cases, homeowners' insurance is inadequate, as it only covers damage from specific causes stipulated on your policy. These policies also typically only cover a small percentage of the insured instrument's value, meaning that your valuable instruments may receive insufficient protection, and having inadequate insurance is more or less like having none at all.

A specialized musical instrument insurance policy offers you the peace of mind you need, so you can focus on your music rather than worrying about the hassles of insurance. Clarion's specialized musical instrument insurance provides complete comprehensive coverage for all of your musical instruments and equipment. We have developed unique policies designed for owners of musical instruments and recording equipment. We have been serving musicians for more than 40 years, so you can rest assured that we understand your concerns and are committed to alleviating them.

We offer coverage for various factors, including professional usage, accidental breakage, and even earthquakes and floods. We also provide coverage for borrowed or replacement instruments, offer access to a nationwide dealer network, and even offer an option to keep any undamaged parts from your beloved musical instrument after repairs.

Conclusion

Taking good care of your musical instrument is essential if you want to prolong your instrument's life. Unfortunately, it won't necessarily mean that your instrument will last forever. The possibility of theft or loss is always present, and accidental damage can happen at any time.

While you can't predict accidents and other misfortunes, you certainly can be prepared. A good, trusted, specialized musical instrument insurance policy will save you a lot of money and time when things go wrong, and Clarion is here to provide it.

Our musical instrument insurance offers worldwide coverage and a wide range of unique features and benefits that have made us the number one choice for over 20,000 professionals, amateurs, collectors, symphonies, instrument sellers, and dealers. Contact us for a quote today, and find out for yourself why Clarion's musical instrument insurance is synonymous with instrument protection.

Who Needs Musical Instrument Insurance?

 

A high quality, finely crafted, or rare musical instrument can cost a significant amount of money. Depending on the materials used, the year it was made, the number of same instruments available, or even the previous owner's identity, a musical instrument can quickly become quite expensive. Given the amount of money and time one spends to find and purchase their ideal musical instrument, it's no wonder that musicians often form a special bond with them.

A musical instrument is undoubtedly a precious asset, for both professional and sentimental reasons. With this in mind, it's easy to understand why instrument protection and insurance is so important. Like with other valuable items, the owner of a musical instrument can get an insurance policy that will provide coverage in the event of damage, loss, or theft. So who needs musical instrument insurance? Let's find out in this brief article.

Who Is Musical Instrument Insurance Really For?

A musical instrument can be priceless and irreplaceable for many people. For a professional musician, a musical instrument is likely something they depend on to make a living. If their musical instrument were to get lost or damaged, they would have to repair, or replace it quicklybecause they won't be making any money while they are unable to perform.

The same thing goes regardless of whether you're an independent artist or even a member of a band or orchestra. Many professionals will also be traveling frequently with their instruments to perform in various venues around the world. Anything can happen on the road; you never know if your instrument will get tossed around while traveling, or get lost or stolen. Without your musical instrument, you won’t be able to performance.

Additionally, if you're a music teacher and something goes wrong with your instrument, there will be nothing for you to teachwith. If you're a music student and need your instrument to attend your courses, being left without it could be quite detrimental. Even if you're just a dedicated hobbyist, a damaged or stolen instrument can be a significant personal and economic loss.

Another group that would benefit from musical instrument insurance are collectors. Instrument collectors tend to own significantly expensive, rare, or even vintage instruments. Anything can happen in life, and it's best to be prepared. Should the unexpected occur, a good insurance policy will cover the cost of any repairs needed and help cover the cost of renting instruments in the meantime.

Whether you're a professional, an independent musician, a hobbyist, or even a collector, securing your artistic investment is imperative. If you own an instrument you can't afford to replace, or simply want to safeguard it, you should strongly consider protecting your investment with musical instrument insurance today.

Why Get a Specialized Musical Instrument Insurance Policy?

The benefits of specialized musical instrument insurance go far beyond those of an ordinary homeowner’s or renter’s insurance policy. Household insurance will sometimes exclude musical instruments outright or offer coverage for specific named perils but only inside your home. Furthermore, it typically tends to cover only a percentage of the insured instrument's value, meaning it won't offer sufficient protection for rarer and more expensive instruments.

On the other hand, specialized musical instrument insurance is different. It offers protection from accidental damage, loss or theft for all kinds of musical instruments and other equipment, whether you're at home or on the road. Musical instrument insurance gives policyholders the peace-of-mind to focus on their art, rather than worrying about the world's what-ifs.

Conclusion

Accidents can happen anytime, and a specialized insurance policy that offers sufficient coverage for your musical instruments can be a lifesaver. We at Clarion have developed unique, customizable policies designed for musical instrument owners. We offer benefits you won't find anywhere else – including worldwide coverage to protect your instruments while you’re traveling with them and against natural disasters like earthquakes and floods. We also provide coverage for replacement or rented instruments, ensuring you're protected no matter what.

At Clarion Associates, we have over 40 years of experience insuring musical instruments for thousands of musicians worldwide. We offer access to one of the largest networks of authorized dealers and repairers in the industry. Not only that, but we understand your concerns and will settle your claims quickly and fairly. Reach out for a quote today, and see for yourself why Clarion is a trusted partner you can count on for your musical instruments' protection.

Why Is Musical Instrument Insurance Necessary?

As a musician, you've probably invested a considerable amount of money on your musical instrument – let alone the time you spent researching and finding the one that best suits your needs. You have also developed an emotional bond between you and your musical instrument over time. Given the deep feelings you may have for it, you naturally want to protect your instrument.

It doesn’t matter how careful you are, if you're playing your instruments, there will always be the possibility ofaccidental damage – or even worse, theft and loss. Insuring your musical instruments against the unexpected with musical instrument insurance is the best way to stay protected. Read on tolearn why.

Accidents Happen

Instruments can easily be damaged, even in the safety of your own home. Exposure to direct sunlight and heat is one of the most common factors that can cause varnish and joints to degrade. Moisture and temperature changes are additional factors that can significantly affect your instruments' quality and sound. Dust and dirt are other things to avoid if you want to protect your instrument and prolong its life. Damage from failure to store and maintain your musical instruments properly can be extremely expensive to fix, or be irreversible.

An easy way to safeguard your high-quality musical instrument is to always store it in a weatherproof case, away from sunlight, heat, moisture, dust, and dirt. Whenever you’re traveling with your instrument, always make sure you’re securely transporting and storing it to avoid any damage. However, even the proper precautions and instrument care may not always be enough to protect your instrument, because accidents can always happen.

Whether you're practicing at home, or performing on tour, all it takes is one freak accident, or mistake, to damage your instrument irreversibly. Natural disasters such as earthquakes, storms, or floods canalso damage your instrument and ruin your investment, not to mention the destruction caused by fires. Another unfortunate issue musicians may face is having their instruments stolen. The risks are too high not to protect yourself.

So if you prefer to focus on honing your craft rather than worrying about what could happen to your instruments, getting them insured is the best answer, and choosing the right musical instrument insurance is the key.

Homeowners Insurance May Not Be Enough

Household insurance policies often impose limits on the total property damage claim, or evenclaim limits per item. Some exclude musical instruments or offer per-item coverage that is lower than their actual cost. This means you would need to request a rider on your policy that would specifically provide coverage for your instruments, which often significantly increases the insurance premiums.

There are some additional pitfalls here as well. Homeowners insurance is usually not ‘all-risk’, meaning it will only cover damage from named perils such as theft or fire, but not necessarily natural disasters. It also may not cover professional use. Furthermore, homeowners' insurance policies will most likely not cover your musical instruments once they leave your home. Which for any professional or training musician is simply unacceptable?

The Benefits of Musical Instrument Insurance

When choosing insurance for your musical instruments, you should pay attention to the specific features and benefits each policy offers. An excellent specialized musical instrument insurance policy will cover professional usage, breakage, and even damage from natural disasters such as earthquakes or floods. It will also provide coverage for borrowed or rented instruments while yours are being repaired.

Clarion Associates proudly offers our clients all these coverages and more, as well as access to one of the nation's largest networks of authorized dealers. Our specialized musical instrument insurance offers a wide range of benefits that will allow you to focus on your art, rather than worrying about your instrument’s future. Clarion Associates is proudly here for you and your instruments.

Conclusion

Purchasing a musical instrument can be a significant investment, both personally and financially. This is true for anyone, but it's especially true for professional or training musicians who play valuable and delicate instruments. Unfortunately, even with proper care and maintenance, your instrument isn't guaranteed to be safe and protected. Accidents happen all the time – even at home. Thankfully, Clarion is here to help you when they do. 

Our specialized, and comprehensive, musical instrument insurance plans are trusted by thousands of musicians all over the world. Contact us today and speak to our team for a quote and find out why Clarion is the perfect solution for protecting your musical instruments.

 

Buy a Music Equipment Insurance and Play Safe

You are a fabulous musician. Your creations are beautiful. You love your musical instruments to the moon and back and go extra miles to make sure that your musical instruments are spick and span all the time. However, even after taking so much care of your woodwinds and strings, if you fail to buy a Music Equipment Insurance for your instruments or musical paraphernalia, it will be of no good to you, your musical instruments, and of course, your finances. Most importantly, there are many facilities, like concert halls and auditoriums, that do not allow artists if they do not have proper insurance coverage. Besides, it is also a way of protecting your income.

Home insurance provides limited coverage!

Like many other people, if you think that your home insurance or renters’ insurance plan will come to your rescue, if your musical gears suffer loss or damage, you are more likely to be making a mistake. Here are some pointers worth reading -

Home insurance plans do cover your music gears (if you have included them). However, their extent of coverage might not be sufficient to cover the total replacement cost of the lost or damaged instrument. Musical instrument insurance policies cover unlimited professional use. Plus, a MusicEquipment Insurance will cover your gears for the exact price that you inform your insurance provider. Don’t you think that it is an added advantage?

Also, your home or renters’ insurance will not protect you if any public liability happens due to your instruments. However, a good insurance plan for musical equipment is most likely to cover the same. It is a big-time lifesaver.                                            

Being a music lover and an artist, you are very less likely to stop at one instrument or audio equipment. Right? If you happen to add new instruments to your home insurance policy, your insurance premiums are more likely to go up with every musical instrument. However, instrument-specific policies cover you without affecting your premiums, no matter whether you buy a single flute or an entire music recording studio. 

An experienced and reputed music instrument insurance provider understands the requirements of a musician, unlike homeowners’ insurance providers. Therefore, right from buying insurance to filing a claim, the process will be hassle-free.

Dedicated policies are all-encompassing!

Musical paraphernalia comprises many instruments, equipment, and related accessories. What will a music instrument insurance cover? Well, dedicated music insurance policies by reputed instrument providers are designed to cover a range of gears and accessories. It is likely to include the following -

●        Musical instruments

●        Audio equipment

●        Sheet music

●        Computers

●        Cases

●        Cables

●        Stands

●        Other accessories

Policies may vary from one service provider to the other. Therefore, it is highly advisable to confirm the same beforehand. However, with customer-centric insurance companies, you will get comprehensive coverage. Moreover, you can also customize your policy according to your needs. It helps you save time and money to a great extent.

Do you travel the globe with your musical instruments?

If your profession makes you travel a lot, you should always make sure to buy a policy that provides you with worldwide coverage. Most reliable insurance providers offer around the world coverage to your instruments. It protects your musical instruments financially if it is stolen, broken, damaged, or lost in some other state. Do remember to check this before buying any plan. Otherwise, you might land in trouble for not having proper insurance for your gears.

Choosing an insurance provider can make a difference!

Always remember, choosing an insurance company is as crucial as choosing the insurance plan. So, before deciding on any particular insurer, make sure to do proper research. It is one of the best ways to find a company that worths its salt. 

Drum Insurance - Make an Informed Choice While Buying a Plan

As a drummer you have an emotional connection with your drum kit. It is this collection between you and the drum that allows you to create the right beats and make music. When there is so much emotion attached to the kit, any loss or damage can be quite difficult to deal with. But as a professional you need to take such unfortunate situations in your stride. There is little that can be done to console your emotions but drum insurance plans help you deal with the financial loss. Here in this article we shall take a look at some of the ways in which you can choose the right insurance plan for your kit.

Choose A Good Insurer
To find the right insurance plan for your drum kit or any other musical instrument you need to find a reputable insurer. There are a few companies in the world that cater to your needs and hence you need to make your choice carefully. Start by researching on the credentials of the company. While most companies make lots of promises few take care of your interests in times of need. You can read through the review of other customers and this will help you zero in on a good company. Next you need to take a look at the drum insurance plans that they offer you. The plan should take care of all the risks associated with your profession.

Read The Finer Lines     
This is one of the common mistakes that people make when buying musical equipment insurance as they look at the cover and make a decision without going into the finer details of the plan. Your need an insurance plan that extends much beyond compensation for loss or damage to the instrument and it lies in the various terms and conditions. For instance does the company offer you worldwide coverage for any loss or damage to your instrument? If it doesn’t the benefits of the plan would be restricted within a limited geography and may not offer you the protection that you really need. Also on what basis do they decide on the compensation? Do they offer you ‘New for Old’ plan or offer you compensation based on a previously agreed amount. Both these have their pros and cons and so you should decide on a plan carefully. Never hesitate to ask a question while buying a plan if you are in doubt about their coverage.

Public Liability 
As someone who plays at different venues you should never choose a plan that doesn’t offer you public liability coverage. It anything went wrong during your performance you can easily be held liable and might need to deal with numerous third-party claims which would also affect your reputation as a musician. Public liability coverage would deal with all claims regarding physical injuries and damage to property when you are performing at an event.

These few considerations will help you buy the right plan and build a protective wall around your professional career. 

Drum Insurance- Why You Need It and What It Covers?

For any musician, peace of mind is prerequisite to creating magic onstage. If you are a drummer this will allow you to create perfect beats and complement other musicians during a jam session or while playing onstage. Whether you are touring or practicing in your own studio, your mind shouldn’t be bothered about anything else than your performance. Whether you play a custom drum kit or a vintage one, you must buy drum insurance.  These insurance plans cover you against all types of risks that are associated while you practice or perform.

Damage Cover
   
You may take precautionary measures while playing the drum or while it is in transit, but there is still a strong possibility of your kit getting damaged. In such an event you would have to bear the entire cost of repair or replacement if you haven’t bought musical equipment insurance. These insurance plans have been designed to protect your drum kit from accidental damages and you won’t have to deal with a financial setback. They deal with all kinds of damages that you can think of. If you have a high value drum kit you protect it for expensive repairs and replacements.

Loss of Equipment
   
Imagine your home being burgled and the criminal escaping with your beloved drum kit. What many musicians don’t realise is that home insurance plans don’t cover your musical instruments and when they do, you would only receive a partial compensation for the kit. When you purchase drum insurance these offer you protection against loss of equipment from your home, unattended vehicle and even on stage. These plans cover the entire cost of replacement based on the prevailing market rates. This ensures that the compensation amount is the actual price of the drum kit and not the amount that you may have paid years ago while buying the equipment. For vintage equipment the compensation would be based on the appraised value of the kit.

Public Liability
   
Third-party claims have become a big botheration for musicians as they are often held guilty for the silliest of reasons. A fan getting injured during your event is enough reason for you to be held accountable for the injury. For some real reasons you could injure someone while playing the drum kit or cause damage to the venue where you are performing. It is important for you to seek adequate protection against all such claims and this is where public liability coverage comes handy. Though your drum insurance plan may not include this coverage you can always ask your insurer to tailor a plan and include public liability coverage in it.

As we have already stated above, insurance is the best way for a musician to buy peace of mind which allows you to excel in your performance. With so many insurance companies out there, you need to be extremely choosy in finding one that offers you the best coverage. You can start by checking out the kind of ratings they enjoy and the reviews they have received.

Musical Equipment Insurance – When Returns Are Assured

The music industry is transforming by leaps and bounds. New and enthusiastic musicians are entering the scene and changing the way music is produced and presented. There are scores of new ways in which music is produced nowadays. If some take the help of electronic gadgets to produce the right sound track, many others are experimenting with new instruments for their productions. Whatever be the means, the music industry is growing. Moreover with the wide reach of the Internet, the music industry today has no boundaries which is encouraging many more young people to showcase their talents.

Musical equipment insurance has become a necessity for all the emerging musicians who like experimenting. If you are among the ones who has probably set up a small personal studio and have sourced in all your resources to own several musical instruments, you need musicians insurance right now! When there are several types of musical equipment under a single roof, and when most of them are expensive, it is mandatory that you seriously think about insuring them. When you purchase the right insurance, you can be sure of the following things –

•    If a musical instrument gets damaged, insurance can help you seek claim at the right time. Sometimes even a small dent in an expensive musical equipment can cost a lot in repair and when you don’t have the financial means of repairing it, the insurance can come to your rescue.

•    Musicians must also seek insurance to protect their musical instruments and equipment from theft. If there is a theft in your personal studio and more than one of your expensive equipment have been looted, you can seek compensation from the insurance company.

•    Insurance also comes to the rescue when you rent equipment and/ or instruments. In case you inadvertently damage the instrument (that’s owned by someone else) you can use your music insurance policy to pay the owner for the loss.

•    Since there are many young musicians nowadays who teach music to young children, insurance protection for such people is almost mandatory. The reason is quite simple. With children all around, the chances of damage are always high. Since you cannot ask the children to pay for the damage (unless you have proof and are sure that a single child is responsible for the act), you must rely on the insurance to repair the damage.

•    Musicians who are always out doing gigs and performing at events must also understand the importance of insurance.While it is true that most events nowadays get covered under event liability, there are also instances when musicians perform in places which are not covered under any insurance.If in such un-insured events, a musician breaks or damages his instrument, who does he go asking for a claim? With insurance, he can feel protected even in such vulnerable times.

Remember that musical instrument insurance is necessary for every type of musician today.The risk of not having insurance is simply too much and it just doesn’t make sense to take such a risk. Talk to your agent today and get an appropriate insurance.