Why Flute Insurance Should Be Your First Priority?

The flute is perhaps one of the oldest musical instruments and the most incredible one as well. Whether it is a local orchestra or world music, the flute has got a special place in the hearts of musicians all across the world of music. So, as a flute player, you should be proud to be able to weave magic with your flute. However, given the incidences of crimes surrounding musical instruments, don't you think that protecting your flute under an all-encompassing insurance plan should be your top priority?

What if you have already included your gear under your home insurance?

Yes, we know that you have your home insurance plan in place and for which you shell out a hefty amount every month or so. However, your flute needs much more than that. Here are some of the main reasons why. Let us take a quick look!

●    First of all, your home insurance plan will not provide you sufficient coverage if your flute is stolen or damaged. Accidental damages are also not covered.

●    Secondly, under your home insurance, your flute remains without protection, the moment you take it outside the insured property, i.e., your home.

●    Thirdly, if you play your flute against commercial benefits, then also, your home insurance plan will not cover it.

●    Fourthly, in the case of public liability, any third-party mishap surrounding your gear will not be covered. Be it legal fees or medical bills of the third-party, you will have to make the payment out of pocket.

So, these are some of the many instances when your home insurance plan will not cover your musical instruments. Therefore, it is highly advisable that if you are a flute owner, you should get yourself comprehensive Flute Insurance right away.

Now that you are familiar with the cons of your home insurance plan when it comes to securing your musical instruments, let us find out how an instrument-specific plan happens to cover all the loopholes of home insurance and gives you complete coverage.

●    A dedicated Flute plan taken out from an experienced insurance provider will protect your musical instruments against almost everything. It includes theft, robbery, shoplifting, fire, flood, rain, earthquake, and other natural disasters, unlike your home insurance.

●    A standalone musical instrument insurance policy covers your gears worldwide, no matter where you go, unlike your home insurance plan. Suppose you are on a musical tour to somewhere you have never been and your gear gets misplaced while in transit. A musical instrument plan will not only pay for the replacement cost but also save your day in a foreign country.

●    A musical instrument insurance plan will protect you in cases involving a third-party. Suppose you have a music gig in an auditorium in your city. The moment you start performing, the mic stand/sound box falls over an audience, breaking his/her bone. Who else will be held responsible for the same other than you? And if it happens, you will have to pay for his/her medical bills. And in the worst-case scenario, if that person files a lawsuit against you, you will have to bear the legal expenses as well. However, when you have an instrument-specific insurance plan, your insurance provider will take care of that and you can take a sigh of great relief.

Important factors to remember

So, these are some of the many ways how dedicated Flute Insurance protects your gear and your finances. However, in order to get the most of your insurance plan, you need to take care of two things - choose a reliable insurance provider and pay your insurance premiums on time.

Reasons Why We Should Invest in The Viola Instrument

Losing your viola can be a particularly stressful experience-the toll it takes on you mentally and financially can often be hard to recover from for a significant amount of time, especially if you're a professional player and your instrument is a means to your livelihood. Why get hit by a financial loss when you can rest easy knowing that your instrument is insured and any damage it suffers will be compensated for, accordingly?

Getting musical instrument insurance is more or less a must for anyone who owns an instrument worth hundred or thousands of dollars, be it a music teacher, performer, collector, or even someone who plays as a hobby. Here are some reasons why you should consider getting your viola insured as soon as possible, if you haven't done it already. 

1.    Theft - When you own an instrument worth thousands of dollars, it is bound to attract unwanted attention. The second you leave your viola unattended; thieves might jump at the chance to grab it. You cannot be expected to keep an eye on your viola at all times, so, if the worst does happen, you can still rest assured knowing that your insurance company has got your back!

2.    Loss - It might so happen that sometimes you have so much on your mind that you accidentally leave your viola somewhere and later, cannot remember where that was! While in most of these instances you will most likely get your instrument back somehow, what about that one time you don't? Viola insurance will have you covered in this case as well.

3.    Damage - 'I know exactly how to handle my instrument, there's no way I will damage it' you might think, but if you're a music teacher letting dozens of inexperienced students handle your viola, or you have kids running around the house at breakneck speed, is your instrument still as safe as you think? Probably not. It might even happen to be that you yourself hurt someone with some part of your instrument. For damage caused to and by your instrument, insurance will provide you adequate compensation so you don't have to worry about burning a hole in your pocket with the ensuing costs.

4.    Worldwide coverage - Traveling with your viola and worried that any damage incurred will occur outside the state you got insured in? Not to fret! Instrument insurance coverage is almost always extended worldwide, regardless of where you are. So, if your viola is damaged or lost in transit, you can most definitely file an insurance claim.

5.    Some other benefits - Your homeowners' policy only compensates you if your instrument is stolen from or damaged in your house, but what about all the times that your instrument is outside your residence? Also, does it cover you for damage like mold, wear and tear, etc.? The answer is NO. Instrument insurance is clearly a better alternative because you can claim it regardless of where your instrument went missing or got damaged.

6.    Business Interruption - Some insurance companies might also provide you with compensation if you depend on your viola to make your livelihood. It would make it so much easier for you to get back on your feet after your main source of income is damaged or lost.

Hopefully, these are enough reasons to nudge you towards an investment in viola insurance. If you're convinced and wish to look at available insurance policies, we at Clarion Inc. can help you make the right decision!

3 Common Instances Where Your Gibson Les Paul Guitar Insurance Is Your Savior

Have you bought a Gibson Les Paul recently? Are you wondering if or not you should buy a standalone insurance plan for it or include it under your home insurance? If so, then the former option is highly advisable owing to obvious reasons. Whether you own a Gibson Les Paul,  Fender Stratocaster, or Rickenbacker, your home insurance is not at all the ideal choice. Yes, people do list their musical gears under their home insurance. However, hardly do they know that if something bad happens, they will quite possibly end up in a mess, a huge financial and emotional mess.

 

So, we will talk about how your home insurance leaves you uncovered when you need the insurance protection like nothing else, and, what is the right resort to bank upon. Let's get started.

 

Why is dedicated and not home insurance makes the right choice?

 

Here, we will discuss some of the commonly occurring instances that musicians and musical instrument owners may come across.

 

Instance 1: Let us imagine that your Gibson Les Paul got stolen from your car while you were on the way to the recording studio for rehearsals. So, as this accident happened outside your home, your home insurance is least likely to extend protection to it. Even if the case of theft happened inside your home, then also you are not going to get complete coverage. It means you will not get reimbursed for the total value of your gear. Your home insurance will compensate, but not in full.

 

However, with a specialist Gibson Les Paul Guitar Insurance plan, you are protected completely, inside and out.

 

Instance 2: Suppose you are traveling to a new country for your performance. So, you booked your instrument with a noted shipping company beforehand. What if they break your instrument? What if they misplaced your gear? Clueless. Right? With your home insurance in consideration, you will have no coverage if something unwanted happens. Every payment you have to make out of pocket. And, it can cost you more than a fortune, especially when you are not in your country.

 

However, if you have a comprehensive Gibson Les Paul Insurance policy, you are covered, regardless of where you are and where the accident happened.

 

Instance 3: Picture this - you are on stage, all set to rock the night. Suddenly, you felt a loud shudder and found that the sound boxes kept at the edge of the stage fell on a spectator while seriously injuring him/her. That spectator's family member not only asked you to compensate for the medical bills but also filed a lawsuit against you. Forget about your home insurance here. Firstly, because the accident happened outside your home, and secondly because any instrument used for a commercial purpose is not covered under your home insurance.

 

However, with a dedicated musical instrument insurance plan, you are covered against public liabilities as well.

 

So, these are some of the most common issues musical instrument owners face. However, with the right insurance policy, you are safe from all the perils. Also, now that you know - how your home insurance plan does not protect your musical gears and equipment, make sure to find a reputable insurance company and get your gears insured.

 

Worth an investment

 

If you are concerned about the pricing of the policies considering them to be expensive, consult a reliable insurance provider for the best advice. They will not only help you choose an adequate insurance plan but they will always be upfront with their terms and conditions and pricing. And remember, in light of the range of coverage a standalone Gibson Les Paul Guitar Insurance offers, it is worth investing in buying one.

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.

Key Benefits You Get with A Comprehensive Musical Instrument Coverage Plan

What if someone tells you that with just a piece of paper you can cover your musical instruments and accessories comprehensively? Can you guess which paper is being talked about here? No, it is not your home insurance or renter's insurance plan. You can’t even think about comprehensive coverage with your home or renter’s plan. So, it is a standalone musical instrument insurance plan that is being talked about.

Yes, with a dedicated policy your musical gears and your finances are absolutely safe and secure from the mars of the unforeseen and unwanted situations.

However, to make sure that you get the most of your musical Instrument Coverage plan, you have to choose the right service provider. If you make a random pick from the companies operating in your state, you might make the wrong choice. So, research because until you do that you will not be able to recognize the reliability and credibility of the insurance providers.

Key benefits of musical instrument insurance plan

In the meantime, let us find out the key benefits you are likely to avail with a standard musical instrument insurance plan with a good insurer.

All Risk Covers

Does all risk mean all possible risks that you may come across concerning your musical instruments? Many people wonder and ask this question. Well, when you have a trustworthy insurance provider by your side, yes, you will get all-risk coverage. All-risk includes every possible damage, loss, or theft. In case you want to know more about the exclusions, you can get in touch with your service provider. However, all possible accidental damages are covered.

Worldwide Cover

No matter where in the world your musical instruments or related accessories are located, an all-encompassing instrument insurance policy will cover them all. And the thing with a home insurance plan is the moment you step out of the house with your gear and something happens to it outside, you will not get any coverage.

Valued At option

The meaning of Valued At is - your insurance provider accepts to cover your musical gears and equipment for the value mentioned in the list of insured instruments. So, the amount you will collect the amount in cases of a settlement claim will be the amount your gear is insured for.

According to industry experts, Valued At is a much better option in comparison to the cost of replacement. The reason - Valued At is predetermined. So you know how much you are going to get from your insurance company against an insurance claim. And, there are no negotiations. It saves a lot of time and hassle.

Difference in Value

With a reliable insurance provider, you are likely to get the difference in value. What is it? This clause makes sure that you not only get the cost of repairing your damaged gear, but also the difference in the value of your musical gear before and after the loss.

Right to Repurchase

Suppose your string, woodwind, or any other type of musical instrument gets damaged, misplaced, lost, or stolen, and you have already received the amount of claim settlement. What if the lost/damaged/ stolen instrument is recovered after all of these? The right to repurchase allows you to repurchase the gear for the same sum that you have received as the claim settlement.

Business Interruption Coverage

What if your gear is lost or stolen and you are not able to perform? How will your insurance plan come in handy here? The business interruption cover with a reliable insurance provider will provide you with a reimbursement if you suffer income loss due to a covered accident.

So, with all these crucial coverage options in place, a musical Instrument Coverage is worth going for.

How Does Investing in Brass Instrument Insurance Safeguard You?

What is the most precious thing for musicians? Any guesses! Well, yes, you guessed it right. The most precious thing for musicians is their musical instrument(s). They pamper their gears as the extension of their body and loved ones. If you are a professional musician or an aspiring one, you already know the value of musical instruments and the related paraphernalia. So, you do every possible thing to ensure that your gears are safe and secure. Right? Cleaning, maintenance, repairing, and all things needed. However, here is a crucial question for you?

Why is investing in dedicated insurance worth it?

Have you got the Brass Instrument Insurance for your brass musical gears yet? Brass instruments are delicate and quite expensive. Therefore, these need proper protection plans. Most musical instrument owners, when talked about musical instrument insurance plans, think it is not worth it. The reason behind such a perception is that they believe that their home insurance would be enough, and buying a separate policy would be a wastage of money. Do you also think alike? If so, then this piece of content will help you understand the importance of having an instrument-specific insurance plan and why investing in it safeguards you.

Ship your instruments without worrying

Are you planning to ship your brass instrument to an overseas country for a show? Allowing other people to handle your valuable musical instrument is indeed a nerve-wracking experience. With your gears covered under your home insurance, your worries could become nightmares because shipping is least likely to be covered under it. However, if you have a standalone insurance plan for your musical gears, you can take a sigh of relief.

Protect your income

Even if your instrument is lost, damaged, or stolen during transit, your all-risk cover insurance plan will come to your rescue. This type of coverage, you are not likely to get with your home insurance.

Here is an example to help you understand it well:

Suppose you are out for a concert. And accidentally, your brass instrument is damaged, followed by the cancellation of your show. A canceled concert also means a loss of income. Unfortunately, your home insurance cover will not provide for business interruption due to unforeseen perils. However, your Brass Instrument Insurance will.

Stay away from a legal mess followed by a public liability

Public liability can happen anytime, anywhere, especially with your profession where you are mostly surrounded by too many people. Your home insurance plan will be of no use in case of public liability. So, the medical bills or maybe the legal fees, everything, you will have to bear on your own. However, when it comes to a musical instrument insurance plan, it covers third-party liability and allows you to safeguard your finances.

So, with all of these benefits in place, don’t you think investing in dedicated musical instrument insurance is one of the best things you can do for your beloved brass instrument? However, before you buy any policy make sure to choose a good and trustworthy insurance provider.

What makes an insurance provider worth choosing?

As there are many insurance providers in your region, how will you make sure that the one you intend to choose is the right choice? Well, this is one of the most common questions people ask. Here are some of the quality parameters given below. Make sure to check these out before selecting an insurance company:

●    License
●    Memberships with relevant bodies
●    Certifications
●    Important credentials
●    Positive customer testimonials

These points are the benchmarks of reliability, credibility, and quality. When an insurance provider has got all of these, you can trust their dedication towards their customers.

Why Violin Insurance is Important for Musicians?

Let’s ask you a question without any introduction. Are you a violinist? If yes, what if your precious string instrument gets damaged, stolen, or torched in an accident? Are you trying to recall whether you have included your musical instruments under your home insurance or not? Well, even if you have, then also the chances of getting comprehensive coverage are very thin. Therefore, without wasting your valuable time, make sure to get a dedicated Violin Insurance right away!

Financial protection means a lot

You might be wondering; can a dedicated musical instrument policy replace your beloved string? No, neither can it replace nor can it prevent a mishap involving your musical gears. However, it can ensure that at least your finances are secure so that you can get another instrument. Initially, you might feel that if or not it is worth going for a dedicated musical instrument insurance plan. However, once you have it, you will feel at peace for sure.

Don’t stay half-covered! Buy a dedicated plan

Some people happen to secure their musical gears through the home or renter's insurance plan. However, it might not turn out to be what you are looking for. For example - if music makes a significant part of your livelihood, whether you are a musician or a music teacher, you might come across situations that your home insurance might not cover. Therefore, a designated Violin Insurance is a must-have for all musicians, no matter a blockbuster band or a group of beginners.

Musicians should get a dedicated musical instrument plan. Why?

Musical instrument insurance for all


An all-encompassing insurance plan offers a wide range of coverage options to musicians, music teachers, music shop owners, as well as collectors. These insurance options help safeguard and minimize the risks of owning valuable musical gears. Right from loss or damage due to fire to violin repair, a good insurance policy covers it all. Moreover, whether you are a noted musician or just a hobbyist, a suitable musical instrument plan does not differentiate and provide equal coverage.

Safeguard your livelihood

If you have insured your violin for its value in total, you can make sure that it remains safe and you never have to miss your concert due to the unavailability of your gear. Also, unlike your home or renter's insurance plan, your musical instrument insurance plan will cover your gears along with the accessories.

Worldwide insurance protection

Although you would not even want to imagine this situation, such mishaps do take place. Confused. Right? Suppose you are on a musical tour for which you have to travel to different places and countries. God forbids, but what if you find that your gear has gone missing on completely foreign land? Or, what if you have accidentally damaged it beyond repair? Unlike your home insurance plan, an instrument-specific policy offers worldwide-all-risks cover.

No more public-liability-related worries

You never know how financially draining a lawsuit can get until you experience it. Having said that, in your profession, a minor case of public liability can end you up in major legal issues making you shell out fortunes. However, when you have a dedicated musical instrument insurance plan, you do not have to worry about all of these, as your policy will have your back covered.

Complete protection under one roof

Now that you know the importance of a musical instrument insurance plan for a musician, it is time to choose a good insurance company and buy a policy. With a reliable service provider, you will get complete support right from choosing a policy to claim settlement, as and when needed.