Orchestra Insurance – The Ultimate Protection for Your Instrumental Ensemble

What is the toughest part of managing an orchestra? It is certainly the chore of ensuring perfect timing and achieving harmony by bringing dozens of musicians together. But along with this comes the very obvious responsibilities of taking the best care of the instrumental ensemble and protecting them from all kinds of risks. Most orchestras do not put enough stress on safeguarding the future of its instruments the right way, which often leads to financial catastrophe. Hence, investing in a specialized orchestra insurance policy is crucial for all types and sizes of the orchestra. When there is a specifically designed coverage for all valuable musical instruments in your orchestra, you can stay away from the stress and worries. Check out more below.

What is Insurance for Orchestra?

As the name suggests, it is an insurance program crafted for an orchestra with its distinct requirements in mind. While other musical instrument insurance plans either cover all types of instruments or focus on a particular item only, this policy deals with the individual needs of the gear belonging to an orchestra. Being a made to measure insurance, it unifies the coverage for a collection of high-value instruments and simplifies the protection of the complete inventory of the orchestra. In other words, a reliable insurance policy for orchestra ensures peace of mind for every instrument as well as a musician in the group.

What Does the Program Cover?

Comprehensive orchestra coverage must be able to shield the performers of the group from all unforeseen happenings. Following are the risks it usually covers:

Property Liability

It covers your business property including the expensive instruments placed inside it from a range of incidents like theft, burglary, vandalism, loss, fire, extreme weather conditions, and accidental damage. The policy can even extend the coverage for earthquakes, terrorism, etc.

Damage in Transit

The policy not only offers on-premises coverage but also provides enough protection for your orchestra instruments during transit so that you can travel anywhere with them and perform without anxiety. It covers the gear when left unattended in a locked vehicle too.

Loss of Earnings

What if you or any other member of your orchestra meets an accident or becomes injured? The flow of earning suffers due to the cancellation of concerts, right? But with this coverage in hand, you can ensure continuous business income even when you or your members are unable to work.

General Liability

If there are general claims against you involving physical injury, property damage, personal injury, medical payments, or rehabilitation expenses associated with your business operations, this coverage can effectively keep you and your finances shielded.

Public Liability

Being an essential coverage for performing in most public venues, it is a must for every orchestra. With this, you are protected from legal liability and potential legal fees incurred by third-party injury or property damage caused during your performances.

How to Choose the Best Provider?

There are a few important factors that you need to consider while selecting the most appropriate provider for your orchestra coverage needs. Go ahead only if the company is:

•    Providing an ‘All Risk – Agreed Value’ insurance policy
•    Offering a fully customized solution for the protection of the orchestra
•    Insuring the accessories and equipment along with the instruments
•    Covering all musical gear on a worldwide basis
•    Having highly competitive premium rates
•    Prompt and reliable customer support service

Once you buy orchestra insurance from a provider perfectly tuned in to your musical needs, you ensure both security and satisfaction for your entire group. So, what are you waiting for? Invest in an all-inclusive yet affordable coverage today and grow exponentially in your musical journey.

Why Do You Need Protection for Equipment along with Guitar Insurance?

In the world of music, the guitar is considered as the ‘king of epic solos’. Only a guitarist knows the true value of a guitar as well as the best way to keep the humble instrument protected in order to carry the tune. But what if something inevitable happens and your prized instrument gets damaged? That is why every guitarist, from a beginner to a professional, must befriend with a bespoke guitar insurance policy from a specialist insurance provider. However, this is not all. Safeguarding the equipment needed to rock a guitar performance is also very much important. If you are yet to pick your way to the right coverage for your expensive guitar and its equipment, here is why you should think about it right now.

What is Insurance for Guitar?

Well, this is an insurance policy, which is specifically tailored to the individual needs of guitarists. A wide range of unexpected incidents like theft, loss, or accident can happen with your guitar while performing at a gig, traveling to another place along with it, or even rehearsing at your home. These not only cause significant damage to your instrument but also lead to a hefty bill for funding the repair or replacement. Having comprehensive guitar coverage can help you be prepared for such a predicament. It provides a greater level of security for all types of guitar and their accessories available in the market. These include acoustic, electric, bass, twelve-string guitar, archtop guitar, steel guitar, resonator guitar, double-neck guitar, etc. The stand-alone policy also helps guitarists strum all the way across the globe with its worldwide coverage.

Why Choose Insurance for Equipment?

If your pricey guitar equipment gets stolen or damaged accidentally, you will have to spend lots of money for its repairing or replacement. Could you really afford this expenditure? If not then choosing insurance for equipment is a wise choice. Fortunately, a musical instrument insurance policy covering the guitar also covers the equipment associated with it. All you need to do is discuss the scopes of your policy with your insurance provider and go through the details thoroughly before investing in it.

Coverage Options for Guitar Equipment

Now, here is a brief detail of how guitar equipment insurance can keep your precious instrument protected all the time:

Instrument and Equipment Cover

When you have the right policy in your hand, you can stay assured about jamming to your heart’s content anytime, anywhere. It covers your instrument, its accessories, and all its equipment in events like theft, vandalism, fire, and even mechanical breakdown.

Accidental Loss and Damage

Accidents are unpredictable and so is their impact on your instrument. This insurance covers the cost of repairing and replacement resulted from accidental loss and damage, thereby ensuring complete peace of mind for you.

Off-Premises Insurance

With this coverage, your valuable instrument and its equipment stay protected even when you use them outside your own premises.

In-Vehicle Cover

In-vehicle coverage is necessary for every guitarist who travels a lot. It keeps your equipment absolutely safe during transit. The insurance also covers your possessions when they are left unattended in a locked vehicle.

Equipment Hire

What if you already claimed for the repairing or replacement of your equipment and need a substitute to carry on your activities meanwhile? With this insurance, you can hire equipment immediately without spending an extra amount.

New for Old Cover

You can get your old item replaced with a brand new one of equivalent value if it is damaged, stolen, or lost. In this new for old cover, there will be no value depreciation on your instrument or its equipment.

Loss of Earnings

If you suffer from a personal injury due to an accident and your earnings get impacted negatively, you should opt for this insurance. This will make sure that you never miss a gig even when you are not able to perform.

Choosing customized guitar insurance will always keep your equipment shielded. So, talk to your insurance provider and find the right policy for you.

How to Buy the Right Viola Insurance? 5 Simple Steps to Follow

Owning a viola is an exciting investment that you can cherish as a lifelong treasure. It is of utmost importance that you take the greatest care of your instrument to keep it as safe as possible. But what if a disaster strikes and you end up losing it? Or maybe you’re playing comes to a halt as your wonderful instrument gets damaged accidentally. Scraping your pockets for extra cash to repair it or buy a new one will certainly not be a pleasant experience, right? Hence, insuring your viola is the best way to protect it against all potential risks and hazards, thereby keeping irreparable damage and high replacement costs at bay.

If you are wondering how to get the right viola insurance, the following 5 simple steps will be your savior.

1. Know Your Available Options

Start with identifying your options, which mostly depend on your level of expertise. If you are an amateur violist, your homeowner’s or rental insurance policy can come with an additional ‘viola coverage’ to shield your instrument from theft, fire, etc. inside the home. But it rarely accounts for the most dangerous threats that you may encounter during transit or at performances. Therefore, getting a dedicated insurance policy for your viola is always the safest choice as it covers the instrument both in and outside the home.

2. Understand Coverage Details

Once you decide on your required type of policy, focus on its features and benefits. Unlike a household insurance policy that covers all your possessions inside home, separate insurance safeguards your viola even when you are performing at another corner of the world. It works as a robust plan, which includes all possible repair and replacement coverage to ensure complete peace of mind for you. Typically, stand-alone insurance protects the instrument from theft, loss, fire, natural disasters (flood, wind, earthquake, etc.), accidental breakage, vandalism, perils in transit, and risks associated with unattended vehicles. It can also cover the accessories and equipment that come along with your instrument to help you fulfill your various playing obligations.

3. Get Your Insurance Appraisal

Next comes the appraisal process, which is known to be one of the most critical aspects of purchasing musical instrument insurance. It is important to get your viola evaluated by a professional viola maker to make sure that you are choosing the right policy for it. You can either ask for an appraisal while buying the instrument or get an estimate written out on the receipt later for the amount of the buying price. Otherwise, the replacement value of the instrument will be established based on its current condition as well as other necessary measurements. So, never sign an insurance contract without evaluating the worth of your instrument.

4. Find a Specialized Provider

Now, it is time to find the most reliable service provider, who specializes in musical instrument insurance. Do your own research and make a list of companies that have earned an excellent reputation in the marketplace for ensuring customer satisfaction. Some of the most common parameters that are used for sorting out the best instance provider include a variety of plans and programs, personalized policy options, affordable rates of premium, and brilliant service.

5. Request a Customized Quote

Finally, discuss your individual needs with the sorted insurance providers and ask for customized quotes from them. Comparing these quotes will help you seal the deal with the best company, which can offer you the right policy at the most competitive rate. Also, do not forget to go through all your policy papers thoroughly before signing the contract.

Isn’t getting viola insurance as easy as one-two-three? Just follow the steps and your precious instrument will be protected forever.

How to Get Musical Instrument Insurance for Your Cello

Are you planning to add a brand new cello to your strings’ collection? Well, a cello, known by many names, such as violoncello, French violoncello, to name some, is one of the most popular bass instruments of the violin group. And undoubtedly it feels great to play this instrument. But, what if your gear gets damaged beyond repair? What if you lose it? What if someone steals it?

It’s always a good idea to be prepared for the future and unexpected events that can pop-up out of the blue, like theft, damage, or loss. And such events, needless to mention, can not only swipe your savings on repair or replacement, but are also draining, in terms of time, effort, and emotions. 

Getting the right musical instrument is imperative

What do you think could be a better idea than getting cello insurance? Because, why not? Being covered under a comprehensive insurance policy means complete protection for your gear and peace of mind for you. So, before it’s too late and you are bound to put a pause on your performance due to a broken or stolen cello, it is crucial to find an adequate insurance plan. Always remember, pre-planning is better than scraping your wallet when you’ve already lost your uninsured cello to an unfortunate turn of events.

Here is how you can get yourself the protection of a Cello Insurance -

Before you sign on the dotted lines of your insurance agreement, it is vital to make sure that you are getting the right cover. The first thing to do in this regard is to get an appraisal for your insurance policy. Although you need to get multiple estimates from multiple service providers, qualified and experienced luthiers are the best person to get in touch with.

Importance of getting your gear appraised

Have you purchased a cello recently? Do you still have the receipt intact? If yes, then you can get an estimate for the sum of the purchasing cost written on the same.

Are you planning to buy a cello? If you haven’t bought one yet, then make sure to ask for an appraisal and include the same in the deal while purchasing it. It will help you avoid the extra charges for cello appraisal.

When it comes to buying a musical instrument insurance policy, you should not forget to consider devaluation aspects. Remember, the condition of your instrument will define its value in the market. Even a simple crack, dent, or a broken bowhead can decrease the overall value of your instrument just like that. Therefore, it is highly recommended to get all the repairs done, if any, before taking your cello for appraisal.

Find the right insurance agency

One of the best ways to get a cello cover is to find a reliable insurance agent. Because of the importance and increasing popularity of standalone musical instrument insurance plans, you will find a number of services providers operating in the state. Therefore, finding one isn’t a big deal. However, what you need to be careful about is - choosing the right agency. If you choose a service provider just like that, you might land in rough waters.

Two of the most important things you should not forget while looking for an insurance service provider are - their license and registration credentials. These documents are like benchmarks of quality, reliability, and experience.

Read your policy agreement for sure

You should seal the deal with your Cello Insurance provider only after reading your policy agreement thoroughly. In case, you are unable to understand any clause, do not hesitate to clear your doubts. It will make sure to get a suitable policy sans any hassles.

Is your Music Studio Protected by a Suitable Music Studio Cover?

Behind every musician, be it a junior artist or a head-turner, there is a music studio from where he/she might have embarked on his/her journey in the industry.

Behind every artist, there is a music studio to carry out their passion for music.

What’s the bottom line?

So, the bottom line is - every musician depends largely on music studios to make his or her dreams come true. It is a place wherein musicians, engineers, producers, technicians, and marketing professions spend hours to make a music album reach out to the audience. Therefore, it needs to be protected.

How to protect your music studio?

Do you own a music studio? If so, then you should not forget that for every such facility an adequate music studio coverage is essential. The reasons are - high level of professional exposure, legal intricacies, financial investment, and other complexities involved with the music industry. Therefore, it’s necessary to have protection against the unforeseen and unexpected scenarios that might pester you in the future.

As a studio owner, you probably know that the demand for music is very less likely to fade away with time, no matter what. You also know that owning and managing a music recording facility is a big endeavor in itself. And, just like any other business, it also involves several risks. Isn’t it? So, you need something to protect your business from the possible risks.

What’s that?

That something is a music studio insurance. It is a type of business insurance plan that is formulated to safeguard studio owners from many unwanted scenarios. It includes - third-party lawsuits, loss or damage to the property and its belongings. Reliable insurance providers offer different types of coverage plans that allow the owners to tailor their music studio cover according to their needs. So, whether you own a small home studio or a professional one, a customer-oriented music insurance service provider will keep you covered.

Different businesses, different needs, different policies

Frankly speaking, today’s market and business environment are highly competitive. So, in order to get going, you need to leverage every advantage and opportunity that comes across. And, because music recording studios are not similar to any other business, you need to insure these accordingly. To live up to the specific requirements of the music studios, you need specialized insurance policies that make sure that each and every aspect of your business is covered properly.

So, let’s see how important is studio insurance for music studios!

Liability coverage

Liability coverage is one of the most crucial components of a music recording insurance plan. There are many situations that might land you in rough waters of a lawsuit. And, as usual, the fees of legal defense can make you shell out a fortune.

Fortunately, a suitable insurance policy from a good service provider is likely to cover all such expenses. Liability cover includes - product liability cover, general liability cover, special event liability cover, rented property liability cover, worker compensation insurance, etc.

Property and asset coverage

An effective musical studio insurance plan is also likely to cover your property and assets. It might include - equipment breakdown insurance, building property cover, the continuation of income coverage, employ dishonesty insurance cover, are to name some.

Plus, a suitable insurance plan for your music studio is likely to cover your property and assets in case of loss and damage due to natural calamities and catastrophic events.

Get your plan now!

Now that you are aware of the benefits that a Music Studio Coverage brings along, find a reliable and reputable insurance service provider, and get protection for your music studio, right away!

Always remember that for a music studio owner, getting a recording studio insurance plan is a smart move.

How to Find the Best Pick Among Music Studios in New York?

What is the most essential requirement of an aspiring musician? A state of the art music studio, of course! When it comes to creating the best quality music, the quality of the studio matters a lot. If it does not have good facilities needed for coming up with a musical masterpiece, there is no point in investing precious time, money, and energy in it. But finding a great music studio is easier said than done. It involves lots of research as well as experimentation to sort out the best studios, which specialize in music production. So, how to find the most useful studio that will fulfill all your musical needs? Which things do you need to be aware of while choosing one to work with? What actually makes a music studio awesome? We have all your answers.

Read till the end and find the best pick among the music studios in New York to create the most amazing and perfect sound.

 
1. Well-Equipped with Advanced Technology

A modern music studio houses all basic equipment that is necessary for producing regular tracks. But while trying to achieve both quality and versatility, you need to look beyond it. The studio must be equipped with the most advanced technology in order to amplify your music and bring life to it. Hence, take a tour around the studio premise and make sure that it has ample number of instruments and equipment to offer to the artists.

2. Many Years of Experience in the Industry

The experience of a studio in the industry has a huge impact on the music produced in it. If you are expecting the most fruitful results, you have to work with a studio that has been in the business for a considerably long time. Newer studios may not have enough proficiency in pushing the freshly produced tracks to reach their full potential. So, choose only an old music studio for your optimal success.

3. Knowledgeable and Co-operative Staff

Talk to the members of the music studio and try to understand whether they have the same vision for your music or not. Lining up your visions is crucial as it helps in accomplishing the goal quickly, smoothly, and efficiently. They should also have sufficient knowledge in their respective domains for hitting the target without compromising with the quality. It is a bonus if the studio members are friendly and co-operative in nature.

4. Lively and Highly Creative Environment

Production of music is one of the most exciting creative processes and a studio must encourage it from all aspects. Therefore, the environment of the studio should allow your mind to run as free as possible. It will not only inspire you to think out of the box but also let your creative juices flow. As a result, you will be able to produce wonderful musical pieces.

5. Affordable and Competitive Rates

Though working with a music studio can make your dream come true, it can turn out to be an immensely expensive affair. Most of the studios charge artists at hourly rates, which are significantly high. Thus, you can find yourself in the budget crunch if there is a delay in the production of the track. For any serious artist, exploring the studios out of the town is always a wise idea as they can offer cheaper rates compared to others. It will keep you worry-free about the release of your song and give you complete peace of mind.

There might be hundreds of music studios in New York but keeping the aforementioned points in mind will help you choose the right one from them easily. So, just start your hunt for the master class studio in the city and settle on the most satisfying services.

Buy a Specialized Insurance Policy to Enjoy the Best Musical Instrument Coverage

To a musician, a musical instrument is much more than a mere tool for creating music. The bonding between the two becomes so strong over time that it is sometimes even considered as the truest companion of all living objects. Some century-old instruments that are still in use carry immense value to their owners while the keepers of modern delicate items consider them as stunning pieces of art. All these prized possessions need to be stored, maintained, and protected well, right? But what if they get damaged, stolen, or completely lost? That is why you need to invest in a unique insurance policy offering exclusive instrument coverage. If you are worried about your beloved musical instruments, go through this article to know more about how specialized music insurance can help you the most.

Homeowner’s Insurance vs. Instrument Insurance

Yes, your homeowner’s or renter’s insurance comes with extended coverage for your musical instruments. But if you feel that it is enough to keep them protected anywhere anytime, you are wrong! A homeowner’s policy is designed to protect your personal property, which includes your musical instruments. But it has its loopholes. Typically, it covers your instruments as long as they are inside the home. You can also not expect your instruments to be safe during a flood. Apart from its limited coverage, you need to pay deductibles too. Hence, a homeowner’s insurance is only good for a music lover, who plays the instrument casually at the home studio.

On the other hand, independent musical instrument insurance offers specialized coverage for protecting your music-related belongings in all circumstances without any deductible. If you are a performer, who needs to travel with your valuable instruments, you can certainly count on it. The extensive coverage also ensures the safety of your instruments during all types of a natural disasters. In short, separate insurance for musical gear can meet the expectations of all professional musicians, instrument collectors, and music dealers perfectly.

Which Instruments are covered by the Policy?

Being a specialized form of insurance, a musical instrument policy covers almost all types of instruments. They are categorized by insurance providers to streamline the procedure. Usually, the most common categories insured by such policies include string instruments (classical, acoustic, and electric), brass instruments, electronic instruments, woodwind instruments, reed instruments, bass musical instruments, percussions, pianos, harps, harpsichords, clavichords, and so on. Besides, other items like accessories, tools, electronic gear, and recording equipment are also included in it.

Coverage Features of Instrument Insurance

If you invest in good music insurance, you can enjoy some of the most unique benefits for your instruments. Following are the best things about such policy coverage:

•    Custom-made and comprehensive coverage that caters to the individual's needs of the policyholders
•    Coverage extends to anywhere in the world irrespective of the location of the instrument
•    Covers almost every possible type of risk, such as damage, theft, loss, breakage, and natural calamities i.e. flood, earthquake, storm, etc.
•    Offers the ‘Agreed Value’ for the replacement of an instrument in case it is lost or destroyed
•    Reimburses the loss of earning, which is caused due to the damage or loss of an instrument

While purchasing your musical instrument insurance, it is important to find a company that specializes in it. This will make sure that you get the best instrument coverage for your precious possessions and help you stay Affordable rates of premium based on the declared values of instruments, locations of storage, frequency of playing, career profiles of policyholders, and so on assured.