Sticks and Strings - Fiddle Insurance, Maintenance, and Protection

People passionate about music often purchase various musical instruments. They play the instruments occasionally and use them for home décor. Musical instruments are costly, and you should check the products well before purchasing them. Besides checking the brand's authenticity, you must also protect your expensive instruments through insurance. Many reputed insurance companies offer insurance coverage for different types of musical instruments and accessories. For example, you can find fiddle insurance to cover the instrument from damage.

So, why do you need insurance coverage for musical instruments? What are the benefits of choosing such insurance policies? A detailed guide is available in the following section.

Do You Have to Travel Frequently with the Instruments?

Some people have to travel frequently with their musical instruments. For example, a professional performer has to travel to many places with his instruments. Since you travel frequently, the instruments become vulnerable to damage. Nevertheless, they can also go missing during transit. Therefore, you must invest in insurance policies for your musical instruments in such a case.

Investing in a musical instrument will give you peace of mind while traveling to attend a concert. You do not have to invest heavily in packaging the instruments when traveling. In case damages occur to an instrument, you can claim insurance cover to get it replaced.

Insurance for Different Types of Instruments

You can find multiple policies with insurance companies, so finding the right policy is time-consuming and confusing. Moreover, all instruments may not need insurance coverage. Since insurance policies come with an expense, you should invest in the policies for the expensive instruments. For example, you do not need insurance for a bamboo flute, as the instrument is not expensive.

The cost of insurance policies depends on multiple factors. The most important factor is the instrument and its market value. The insurance premium will be higher for expensive musical instruments. On the other hand, you do not have to pay a high premium for a moderately expensive item.

Musical Instrument Insurance Deductibles

Investing in an insurance policy makes you eligible for certain deductibles, which vary based on the insurance policy you have purchased. Deductible also determines the insurance policy premium cost. For a high deductible, you have to pay lower premiums. But, the premium cost will increase with the lowering of deductibles. For example, you have purchased an insurance policy for the theft of your musical instrument. You cannot claim minor damage to the instrument if you have a deductible. So, you need to check the deductible limit before buying an insurance policy for your musical instrument.

Tips for Saving Money on Musical Instrument Insurance

Musicians can embrace a few tips to reduce the cost of musical instrument insurance premiums. Find those tips in the following section.

•    Customize the Coverage: You can reduce the premium cost by customizing the coverage. For example, you only need damage protection for the instruments due to natural calamity. In such cases, the cost of the premium will be lower.
•    Find Insurance Services: You can find various insurance companies that give policies for musical instrument insurance. You need to get quotes from different services and compare them to find the ideal policy.
•    No Coverage for Non-expensive Items: You can reduce the premium cost by choosing no coverage for non-expensive musical instruments. Since they are not expensive, paying a premium for their damage coverage is futile.
•    Age of the Instrument: An old instrument is always vulnerable to damage due to aging. Therefore, age is a factor in deciding the insurance premium cost. You will pay a lower premium for a newly purchased instrument.

How Can You Make a Claim?

If your musical instrument covered by the fiddle insurance is damaged, you can proceed to claim the damage coverage. Lodging the claim at the earliest is recommended for seamless claim management and acceptance. Moreover, insurance companies specify the claim period in their policy documents. Typically, you have to claim the damage coverage within 30 days of damage to your musical instrument.

So, these are some fundamental things that you must know about insurance for your musical instruments. You must invest in insurance coverage for the expensive instruments, as it gives you damage coverage for the instrument. You can handle the instruments with a peaceful mind and more confidence.

Safe and Sound Violin: Travel Insurance for Musical Instruments

The sound created by a Violin is undoubtedly one of the most blissful sounds in the universe. Kudos to the musicians who blow magic into these musical instruments to call forth mental peace and solace. However, as all the musical gears, including your Violin, are materialistic, they are prone to damage and loss. Moreover, being a musician or a musical instrument owner, you should make sure that your musical instruments, or maybe your source of living, are well-protected from all the possible perils that can cross your way.

Violin insurance allows people to sleep better at night because they know their valuable musical instruments are fully protected. This insurance is tailor-made and designed to fit individuals' needs with this particular type of insurance. Violin insurance is a must-have investment for musicians because it protects them and their instruments from theft, fire, damage, etc.

Is your Violin well protected?

So, whether you play at home, go to rehearsals often, participate in concerts, or travel around the globe with your Violin, how can you ensure that your gear is protected against loss and damage? You never know if anything could happen to your Violin. Someone can steal it, or you can misplace it yourself, or it can be damaged during transit, and many more such mishaps can occur that you never expected. It is where the insurance comes into play.

Insurance plans do not let financial instability set in.

The loss of musical instruments not only leads to an emotional jolt. It can also break your finances while making your life and livelihood suffer. Therefore, every musician should get instrument-specific musical instrument insurance plans to ensure that their gear is safe and well-protected. 

So, let us take a quick look at the scenarios where your musical insurance plan will cover you financially:

1. Theft
2. Loss
3. Accidental damage
4. Damage during transit
5. Damage or loss during a world trip
6. Loss of hired gear
7. Loss or damage due to natural calamities
8. Public liabilities

Although musical instrument insurance plans cannot stop mishaps or accidents from happening, they can fill the emotional void created by the loss of an instrument; they can offer financial security as and when you need it the most.

Home insurance does not always come in handy.

Many musical instrument owners claim that their home insurance plan is adequate to cover their musical instruments. However, this is not the right claim to make. Yes, home insurance policies cover your belongings and gear as part of your property. However, as far as your musical instruments are concerned, your home insurance is less likely to cover them completely, for example, if something happens to your gears outside the home or similar scenarios.

In addition, your home insurance service provider might not have the required experience and knowledge to help you get your claim settlement in place. However, musical instrument insurance providers know this feature well; they are more likely to help you with a quick, easy, and proper claim settlement.

Choose the right insurer for the right cover.

Finding Violin Insurance is not a tough feat at all. However, finding the right plan to live up to your needs and expectations is important. Therefore, you need to find the right insurance provider, tell them your requirements and how much money you wish to spend on the insurance plan, and they will make sure that everything falls into place and that you get the proper coverage. A good, experienced, and reliable musical gear insurance provider has the expertise to assess the value of your gear, both financially and emotionally. Therefore, they can provide you with the right options to choose from.

A stroke of bad luck can hit you at any point in time. Therefore, it is a wise idea to stay prepared with your arms. Having a dedicated musical instrument insurance plan is like having arms ready to fight the uncertainties of life.

Get Music Equipment Insurance to Ensure All Risks Cover

If your passion for music earns your living, you should get the right music instrument insurance to ensure coverage of all risks. Not having specialized insurance or relying on home or car insurance will not get you the full value of the instrument. Hence you will be left out high and dry to buy a new instrument, and that too before the next show, concert, or gig. You may love any musical instruments, but keeping them safe and ensuring covering all risks with insurance is critical. It is because of the increased chances of theft or accidental damage that could leave you without the instrument. Apart from the emotional attachment, the instrument's value could be the primary concern for insuring instruments.  

So, check out how the best music equipment insurance can cover the many ways of loss or damage to the various musical instruments to be safe.

What is the potential threat to musical instruments?

You may be a professional musician or part-time musician, learner, or collector of musical instruments. As per your relation to the music, there may be various insurance needs for covering its value for the many forms of losses. It could be theft of the instruments at home, during transit, shows, concerts, hotel rooms, etc. Accidental damages to the instruments can occur anytime, anywhere, and when you least expect it. The damage could vary from part to full damage beyond repair. Also, the damage can incur your loss of not being able to perform in a show, and you need to cover that loss. Hence it would help if you considered the potential threats of the musical equipment before taking the insurance cover for them.

 

What are the many music equipment insurances to ensure all risks covered?

After knowing the potential threat to the musical instruments, you need to check the right coverage for each of them to take the right insurance. You may have musical instruments in the string, woodwind, brass, electronic, piano, and keyboard, among other musical instruments. Also, you could have any of the many musical instruments in each category like clarinet, flute, saxophone, or others. Only the best insurance companies can offer customized equipment insurance for all the musical insurance. Also, they can cover the full value of even expensive heritage and high-value musical instruments.

What is the music equipment insurance to ensure all risks are covered?

Musicians live in a magical world of music to be happy and make others happy. Hence, most of them do not know the world's realities as thieves are not sophisticated enough to know the musical instruments' value. They also know that the authorities do not know the value and could lack interest in finding them or the stolen musical instrument. Musical instruments are easier targets than valuable things like jewelry and others kept safe by people. If you are one such musician and depend on the equipment for a living, you should take insurance to ensure all risks are covered. Because it is not only the theft but also accidents that could damage the equipment, it becomes essential for you to know the insurance for the many musical instruments.

String music equipment insurance

String music instruments are more versatile and vulnerable to theft and accidental losses. There are many string musical instruments, from violins to double basses. Their vulnerability includes their size, sensitivity, and value, and taking a right specialized equipment insurance is essential for claiming the full value.

Woodwind music equipment insurance

Woodwind instrument insurance covers the full value irrespective of its many sizes, shapes, and styles. It also covers the many woodwind musical instruments like the oboe as they are more sensitive to damage. The insurance coverage should also include part and full repair with replacement and repairing charges to the instrument. Additionally, it safeguards accessories like reeds, thumb plates, stands, cases, mouthpieces, and others.

Bass music equipment insurance

From trumpet to tuba, the best brass musical instrument insurance covers everything, including repair charges and accessories.

The above facts and the many music equipment insurances will convince you to ensure all risks cover to claim the full value for continuing your passion for music to be happy and make others happy.

Why Should Your Orchestra Carry Liability Insurance?

If you are a symphony, chamber orchestra, or even a string quartet, you need liability insurance to provide peace of mind for all the group musicians. The last two years have been tough for musicians like you because of the pandemic. However, it is time again for sharing music, the thrill of playing on stages, teaching it, among others. Because of the pandemic effect, many musicians even feel the saving cost of paying for the insurance. If you are one among them, it could be a wrong decision as it may cost you later because of any unexpected events. It could also put you at risk of paying for legal issues if any damage is caused to property or life during performing before the audience. Moreover, it is impossible to conduct the orchestra in public places without liability insurance.

So, check out the best orchestra insurance with the right design and features to protect you from many incidents like theft, injury, accident loss, and damage.

What is orchestra insurance?

The pandemic hit the musicians worst in the last two years as many venues were shut down most of the time. Nevertheless, it is an exciting time for the musical world to reopen again. There are bookings filled up for orchestra to music for parties, weddings, classical recitals, ballet, and opera concerts for the summer ahead. You may be ready for your next performance with excitement and eagerness.

However, it is time for you to take the insurance and not try to save upfront costs to lose more later because of an accident, theft, or other damages. You can take the right insurance that suits you and only pays for your needs. There are many insurances available for orchestra, but you need to choose the right one as each orchestra is unique and different. Hence, only flexible insurance for the equipment cover could safeguard your musical instrument from losing it in venues, home, transit, or damage.  

What are the benefits of orchestra insurance?

Irrespective of the orchestra type you play; you need the best insurance coverage for you and all the orchestra members. Only then you or the other members can play your passionate music with peace of mind. Specialist insurance for orchestra provides public liability, performance, and insurance cover to not have anything between you and your music. The following are the few benefits of specialist insurance cover for orchestra.

•    A huge cover-up sums for lost, stolen, or damaged equipment
•    A substantial amount as public liability that includes free professional indemnity for a considerable sum
•    Performance cover that includes loss of earnings, equipment hire & breakdown, personal accident cover, multiple person cover, worldwide cover for specific months, among others
•    Offers group insurance to cover the entire group
•    Replace musical instruments if they are new or bought within specific years
.
What is liability insurance?

Since it is time again to perform before the audience, you need to take liability insurance to be safe from any third party or public injuries or property damage. In addition, you may be aware that you need a liability insurance certificate for performing in public in many places. There are many chances for the audience to incur any injury and later file legal suits against you. Hence, it is better to take liability insurance to avoid such lawsuits that cause a lot of hardship and make it challenging to settle the claims. In addition, it will cover any damage to the stage because of equipment falls and other damage to property.

Why does the orchestra need liability insurance?

After a long time, if you are to perform before a large or small group audience, you need to take liability insurance for the orchestra. Apart from being mandatory in many venues, it will protect you against damage to property and the audience. For example, one of the audiences and several of them may trip and fall because of a wire to cause them damage, you will be liable for lawsuits later. In addition, if there is damage to property because of any untoward incident like an equipment fall or other issues, you need protection. Hence, the orchestra needs the best liability insurance to be safe during this post-pandemic period to continue playing music and performing before the audience peacefully.

The above facts will surely convince you to take the best orchestra insurance to be safe to play your passionate music with peace of mind.

Make The Saxophone Insurance Your First Priority

If you are a musician or a person interested in playing saxophone, you should prioritize saxophone insurance. The saxophone is one of the most popular musical woodwind instruments worldwide by sight and sound. Those hearing the sax sound come from the player's soul because the tones, phrases, and melodies it produces come from deep within. Hence if you are a saxophone musician or one learning it, you get so immersed in playing that you may not take much care of the instrument. Taking home insurance or keeping the home safe is not enough for it. It would be best if you had customized insurance covering up to 5000 dollars to get the full value for your saxophone.  

So, check out why you must make the right insurance for your saxophone the priority and what to consider while taking the right insurance for your saxophone to be safe to cover any damage or theft.

Why is customized saxophone insurance essential?

For over 175 years, since Adolphe Sax invented the saxophone in the early 1840s and patented it in 1846, it has become the most sophisticated musical instrument worldwide. The saxophone makes anyone multi-talented in most musical styles, from jazz and swing to folk music to rock'n'roll and others. Hence having customized insurance must be your priority not to lose such a valuable musical instrument.

Many without proper information believe that keeping the home secured or taking home insurance or motor insurance will cover its value. But in truth, both these insurance policies do not cover the full value of the saxophone caused by damage or theft. Also, both will not cover if the saxophone gets lost in a gig, at school, at a show, and others. Hence it would help if you made it a priority to ensure your saxophone as it is essential to get the full value appraisal and claim costs.

Why is it essential to find the right saxophone insurance?

Getting customized insurance is essential for the timeless fascination that a saxophone sound gives to being the coolest piece of brass. It would be best to get the right insurance policy that depends on many factors, such as a professional musician traveling worldwide or someone only practicing at home. Also, on the value of the saxophone, whether it is vintage and expensive or a student and not so expensive one. And it would help if you choose among the insurance companies that insure musical instruments specifically to offer various insurance. The best among them can offer you the right design of insurance that suits your needs at affordable rates. 

5 things to consider for taking the right saxophone insurance

To make the right insurance for your most valuable musical instrument, the saxophone, there are many things to consider. It is because insuring it though of paramount importance is also tricky. If even you are only a collector of musical instruments, you need to safeguard your investment in them. And professional musicians need to ensure the full value of their expensive or heritage saxophone. A hobby musician or a student or one starting the journey to be a musician should insure for the repairs and damages to the not much-costing saxophones. Also, if you are anyone of the above, you need to consider the following top things before insuring your saxophone.

1.    Check if the insurance company provides full value for the saxophone, especially if it is vintage and expensive, rather than just replacing it with another one.

2.    Verify if the insurance covers theft or damage to the saxophone even outside of the home and if traveling abroad covers it too

3.    Check if the content insurers know the best repair options to the damaged saxophone whether the policy covers the expenses.

4.    Verify if the insured policy will pay for any loan taken on the saxophone if it gets damaged to continue playing the wonderful music.

5.    Check if the insurer can cover the theft of the saxophone left in an unattended vehicle or anywhere else to get the full value.

The above facts and things to consider will surely help you make saxophone insurance your priority. Also, it will help you to choose the right one, but you need to have the records, valuation certificates, photographs, and other information about your saxophone to get the full claim value.

Effective Tips to Keep Your Guitar Safe and Secure

Your search for effective tips to keep your guitar safe and secure ends here. Guitars are sensitive musical instruments that are expensive depending on the material, types, and brands. Hence, the first and foremost tip for you to keep it safe is to get the best guitar insurance. There are many ways to keep the guitars safe at home, at music venues, on the road, and other places. There are many ways to keep it on the floor, make it stand supported by a wall, or use stands or cases. In addition, since they are made of expensive wood and sensitive strings need extra care for the guitars to be safe anywhere.  

So, check out the effective tips to keep your guitar safe and secure to not lose it or damage it for losing money and the loved music instrument.

Why is it important to keep the guitars safe and secure?

Even though all guitars are not valued at 2.7 million dollars like the "Reach Out to Asia" Fender Stratocaster sold in 2015, guitars are still expensive. There are many guitars like acoustic, electric, electric bass, acoustic, banjos, mandolins, etc. In addition, many popular brands make these guitars, including big names like Yamaha and Fender, Signature, Ashton, Ibanez, Gibson, etc. Also, vintage guitars are made of rare and expensive Brazilian pinewoods that are costly. Moreover, if you are a musician attached to your guitar, losing it or damaging it will cause not only monetary loss but also losing something near and dear to you. In addition, it would be best if you had a new guitar to play for the next show, which may be in a few days or after some days that will force you to buy it new to cost money. Still, you will not have the soul satisfaction of playing your favourite guitar that has become part of you. 

8 effective tips to keep guitar safe and secure

There are many ways to keep the guitar safe at home, during travel, venues, and others. It would be best if you had the utmost care and concern for protecting them from perpetrators so as not to lose them. Also, it would help if you kept them safe in the right ways to avoid getting damaged by falling, weather conditions, high temperatures, humidity, and others. Only keeping the guitar safe and in pristine playing condition will help you perform to your best in the next show. And if you fail to do so with ignorance or carelessness, you may lose the guitar or its value and ease of using it easily. So, check out the following eight effective tips to keep your guitar safe and secure.

1.    If you play the guitar regularly, it is best to keep it within arm's reach in a stand that supports its base or use a wall hook that will safely hold it by the headstock.

2.    Have the right alarm system at your house to protect the guitars from getting stolen by thieves and also have CCTV for the safety of all the belongings

3.    While traveling with guitars, use GPS tracking to know the location that could help track the instrument if it gets stolen.

4.    At the venue of the show, keep an eye on the guitar, as it is more vulnerable to being stolen because of the huge crowd and many approaching the rooms.

5.    Always keep the guitars in quality cases to keep them safe at home and carry them to shows without damages or other issues.

6.    Always clean the guitar before storing it to avoid rusting or corroding the guitar strings from the oil and grime of the fingers playing it.

7.    Store the guitars in rooms with humidity levels around 45 to 55% and temperatures between 18 to 24 degrees centigrade or 65 to t75 degrees Fahrenheit

8.    There are many things not to do for the safekeeping of the guitar.
 
•    Do not keep the guitar under direct sunlight.
•    Never keep the guitar without playing it for a long time
•    Do not store the guitar leaning or on top of concrete
•    Do not keep the guitar in the car when the temperature is below 50 and above degrees Fahrenheit.
•    Never store the guitar in an attic, near a ceiling, or unheated garage.

The above facts and effective tips will surely help you keep your guitar safe and secure. In addition, you must insure it with the best music insurance like Clarion Associates. Inc exclusively for many high claims and fast disbursals.

Musician Insurance: Coverage & Quotes

Do you play in a band? Or, are you a solo musician? If so, then finding an appropriate insurance plan for your performing group or yourself is a vital action in safeguarding your business and getting success in the long run. Although the profession might seem rewarding (it is rewarding, in fact), you need to be familiar with the risks associated with this industry. You should be aware of the potential perils that could affect your life and livelihood.

Accidental damage to your musical paraphernalia, an injured spectator, property damage, and other similar issues can lead to high costs. And if you are not prepared sufficiently, it may also lead you to the door of bankruptcy. However, if you have the right insurance for musicians, you and your band can feel safe and secure. The thought of having adequate financial coverage is a sigh of huge relief in itself. Most importantly, there are many venues and gig spaces that need musicians' insurance to allow you to use their venue and services. So, you are smart enough.

What type of insurance coverage does a musician need?

A musician, whether solo or in a band, can choose from a range of insurance plans, depending on their needs. Here is a list of some of the widely purchased insurance products by musicians. Let us take a quick look at the following pointers:

Professional or public liability insurance coverage

This type of insurance coverage guards you against allegations of errors or negligence pertaining to your career. As a solo musical instrument player or a band, venues or a third party may lose money, in case you somehow do not show up at the performance, according to your contract. In such cases, your clients are likely to sue you. There could be scenarios where you may fail to live up to your commitments due to an unavoidable situation. In such cases too, you may end up juggling with expensive lawsuits. However, if you have a professional liability cover in place, it will provide funds for medical bills, legal settlements, and fees.

For instance:

Your client hired you to play at a given auditorium. During your performance, a significant portion of the stage crumbles into debris, injuring a couple of people from the audience. The venue authority claimed that they had already warned you not to play right before the podium. The venue manager is likely to sue you. And if they do - your professional liability cover will come in handy to save you.

Commercial property insurance cover

This coverage shields the value of your commercial property if it is lost or damaged due to a covered risk, including water damage, fire, windstorm, rain, earthquake, theft, and vandalism. Do you perform outside the premises of your recording studio? Are your musical instruments expensive? You need commercial property cover. Another important thing to consider here is - that your home insurance plan has certain limits when it comes to covering musical instruments.

An instance:

Suppose a fire broke in your home, destroying some of your expensive musical equipment. Your home insurance plan is least likely to cover your paraphernalia sufficiently. However, comprehensive insurance for musicians will cover the same.

Worker's compensation cover

Did you know this coverage is legally mandatory in most states for all companies that have employees? Yes, you heard it right? This cover protects you against the loss of income of your staff members and medical expenses incurred by them if they become sick or get injured while working. If you do not have employees, you may not require this particular coverage. However, it is highly advisable to check with the regulations of your state to make sure that you comply with them and protect yourself from penalties.

These are some of the most common insurance coverage that a musician or a band needs to operate properly. However, this list is not all-inclusive. There are many other covers too. Now, let us take a look at the price quotes.

Policy pricing

The cost of business insurance policies is likely to vary depending on various factors, including your business's risk profile and the type of coverage you want. Some of the other factors include the following:

●    Industry
●    The size of your business
●    Location
●    History of claims
●    The number of employees

So, before, it is way too late, buy an insurance plan now!