Points to Consider When Buying Guitar Insurance

Every musician is protective about their gear, whether it is the guitar or the keyboard. When attending concerts, carrying your own guitar becomes mandatory for the musician, and there are a lot of emotions attached with the gear. What if hell breaks loose when you reach the venue? You lose your guitar, it gets damaged on the way or, worst still some people have decided to break your guitar as part of their damage causing mission. Now, there can be nothing worse than this for the musician, who cares too much for the gear.

Have you ever thought about all of this, when carrying your guitar for the various concerts?

Many of you go for the regular home owner's policy, which definitely covers some aspects of your guitar needs. But, have you ever questioned if the home owner's policy can match the expensive damage needs of your guitar? What will you do when stranded with a damaged guitar and no money in your pocket? If you haven't thought through these scenarios just yet, it's probably time you do it.

Ask yourself just the right questions on how will you get your guitar repaired or protect your guitar from adversities? Done asking, have you? So, you may have defined the pros and cons of having guitar insurance, and the pros might have outweighed the cons by now.

If your answer is, you should be buying guitar insurance here, are some points that will guide you through the purchase.

Evaluate your Needs
How can you purchase guitar insurance without really looking at what you need? The first exercise should be to evaluate your needs, and the insurance needs you have listed out for your gear. What is the budget you are planning for the insurance? How long do you think you need the insurance? Do you take your gear out often? If not, then you will need to check if your home owner's policy covers all your needs or, which policy will cover your basic studio insurance needs. Once you have defined your needs, you can look for the different insurance policies available.

Look at the Policy Document Carefully
The policy document for the different guitar insurance providers differs, and you will need to read through these documents carefully, so that you don't miss out a single point. Understand what points are being covered in the insurance that your home owner's policy is not taking care of already. You will need to compare your needs with the insurance policy document, and find out if the needs are being fulfilled or not.

Don't miss out on comparing the home owner's policies with the policy document for the guitar insurance to know if the missed out points have been covered by the new policy.

Cost of Insurance
Post comparison of the policy documents, you will need to look at the cost of the insurance. The cost for a guitar insurance can be quite expensive, and the policy may or may not cover all the aspects. You will need to ensure you are paying for something that's absolutely worth the price. Compare quotes for the different providers, as some of them can offer discounts for the same policies. Close in on the one who offers the best price and seems reliable.

If you have a vintage guitar, the insurance policy will need to be customized for the same. ClarionINS offers complete support in enabling you to purchase the apt guitar insurance for your gear. Check out the policies and the different versions of the insurance to buy one for your gear.

Why Should Musicians Invest in Performance Insurance?

When performing at a concert, your instrument should be in a good condition, and should be able to perform real well. It is the performance of your instrument that marks your performance too. What if your instrument fails to perform just when you started out for the concert? Worst still, imagine reaching your destination, and finding out that owing to the jerks that the instrument faced during the travel, it will not be able to perform on the night of the event? These are just situations that can't be helped, and are totally out of your control. But, what you can do to mitigate the situation is reach out for the ideal insurance that can get you covered for such situations. Instead of panicking when your instrument does not perform, you can get your instrument the apt performance insurance that can help you tackle the situation. You can either get a liability insurance or, individual instrument insurance, according to your needs and the diverse situations that you need to look into.

Don't wait till the disaster strikes! Permit yourself to buy an adequate insurance that can save you from worse days in your musical journey.

Now, comes the main point- what type of insurance do you think will cover your needs? Here we will look into the type of insurance you should invest in, and how to choose the insurance for your instrument or, the concert.

Are you Eligible?
The first thing that you probably need to find out is whether you are eligible for this insurance or not. If you are running a home-based studio, and don't really perform in concerts or other places where your gear becomes a liability, you may not be eligible for this insurance.

Again, a liability insurance covers the performance insurance needs, and this cover is normally used to ensure you don't face any sort of damage when attending concerts to play your music.

The needs of the performance insurance will differ from that of regular instrument insurance. Let's have a quick look at what are the things you will need to ensure.

How to Get Started?
The start defining the purchase of an instrument insurance is always difficult, but when it comes to buying a performance insurance you need to be more careful. It is not just about your instrument anymore. You are bound to look at all the performance aspects- your gear, insuring yourself, and if the concert is yours then you may have to look at the other musicians performing, their gears and the entire orchestra. This means you need to look at more aspects then one.

Find out providers who offer such a mega cover. Ask for quotations for them, which will include the policy document, the premium you will need to pay, and how many people/gears it will cover. Study this carefully, and finally compare the quotes before you come to a conclusion.

There will be certain disasters that these policies don't cover; make sure you are ready for the time when such a disaster strikes. Always go to concerts insured, and with a plan B in hand.

You will need to strategize for a plan B, but for the right performance insurance visit us at ClarionINS. We will offer the right custom plan to cover all your needs.

Things You Miss Out When Planning Concerts

A concert is a time to enjoy, and have some nice fun. But, fun can go awry if the concert has not been planned properly. Imagine, running a concert with no proper security measures for both the performers and the audience. A disaster strikes the concert, and there are no proper measures to counteract at the moment. There are many possibilities on things that you may have missed out when planning your concert. While you went out of your way to promote the concert, you missed out on disaster planning, and that can cause damage to the reputation of your concert.

Many examples have shown up in the recent times on how concerts have missed out on basic planning.

So, how can you manage this situation, without endangering your concert? Simple, get a concert insurance, which includes certain aspects that will help you control the damages. A recent example of Mojo barriers at the Roskilde concert along with line up gates gives you an idea of how concert and liability insurance takes up the responsibility of offering a secure environment to the concert goers.

Let's have a quick look at what all you tend to miss out when planning concerts or buying the concert insurance

Safety is Superficial Concept
While safety and security does turn up in your dictionary, it resorts to being superficial. You don't really dig deep into it. For instance, when planning your stage, you look at aesthetics and very few look into safety from all aspects. Recently, people have started putting in time and effort to strategize safety, yet you find certain accidents occurring time and again.

Safety is the most important aspect of concert planning. Ensure you devote enough time to it.

Crowd Management
How do you plan crowd management at your concerts? A lot of concerts ignore the crowd management aspects, and do not have crowd barriers put up across the stage. Again, entry of the crowd is not managed properly, which can lead to many issues including stampede. If you want to avoid these situations, you should have proper crowd management solutions in your concerts. You can take the help of event management companies to put up a checklist of all the points that are necessary to ensure you have a safe and secure concert in place.

Concert Insurance
Insuring the concert is important to add up the safety. If your performer loses their gear or, there is a calamity, your concert should be protected both monetarily and physically in those cases. You should always have a plan B, and an insurance helps you opt for the ideal plan B.

When buying insurance, it is always good to research on the various providers. You will need to compare the quotes you receive from them, study them carefully, get a checklist on the points that you need from the insurance, and finally invest in one that suits your needs and budget.

Clarion INS serves you with a palette of insurance policies. Our concert insurance takes into account a lot of management and security issues and offers the right variant to ensure smooth sail of your concert.

Excellent Tips to Get the Right Musicians Coverage

As a musician, you are often lost out on the value of the instrument you are using. But, that's not the end of it! Most musicians are unaware of their own value, and end up having just a regular policy cover to insure their place, their instrument as well as their own self.

Imagine, being out on a tour with your trailer, gearing up the excitement among the audience, and getting ready to play your music to an eager audience. What will you do when your instrument fails you just at the moment you are about to enter? Losing your instrument is another big deal that many musicians face when they are out for an event.

While losing an instrument is one thing, not being able to perform is another deal altogether. There are chances that your body gives you away at the last moment or, you meet with a fatal accident on the day you are performing. A homeowner's policy or a regular insurance cover may not help you cover loses you face as your event gets canceled due to these incidents.

Insurance is a very important deal for musicians, and you need to look at a cover that not only insures you but also your instruments at the same time. A freak incident, accidents and illness- everything needs to be covered in this musician's coverage that you are planning to take.

Not all insurance covers include the points that are important to you. Hence, you need to follow a checklist that will help you buy the apt cover for you.

Keep a Record of All Instruments
If you are planning to have a health insurance to cover yourself as well as your instruments, then you can go ahead with it. But, the homeowner's policy or, the health insurance may not cover stolen equipment. In case you have your instrument stolen, and find it later, you will need to prove that it is your instrument. This is why musicians should take photos of the instrument as well as the serial numbers of the instrument and store it in a file on your laptop. Make sure it comes with a backup. This will prove to be helpful when you try to retrieve your stolen instruments

Flexible Insurance Options
There are various types of coverage available in the insurance market as of now and you need to avail something that is specifically designed for the musicians. You will need to take the insurance cover that will insure your instrument at home as well as during concerts and tours. If you are musician by profession you need a cover that differs from that which hobby musicians use.

Make sure the valuation of the insurance looks into the current value of your instrument, and the type of instrument it is as well as the appraisals that the instrument comes with when it grows old.

Claiming the Insurance
How will you claim the insurance while on the road? That needs to be answered before you pick the insurance of your choice. You need to check on how to claim the insurance, and what all things are covered in the policy when on the road, before choosing one. Make sure the insurance company has a file with all the details of your insurance with them, so that claiming them is easy and hassle-free.

So, next time you are planning to get a musicians coverage, make sure you have this checklist handy. Also, make sure you know the amount you should be investing, which will depend on the instrument valuation to a great extent and its age.

Personalize Your Piccolo Insurance to Meet Unique Needs

Playing the Piccolo can bring peace to your mind, but does carrying it around during tours and concerts bring the same peace to your mind? Do you feel anxious that something might happen to your instrument right before the concert? Does the loss of the instrument keep you awake through the night?

From a great event to a small gathering, not being able to play your instrument because it got stolen or has been damaged is the greatest sorrow a musician can face. No wonder, they feel anxious right before the concert, and this is not just the nervousness because of the big gathering, but also the anxiety caused by their instrument.

This can even distract you during the performance, and keep you from giving your best. Why take such chances? Instead, choose the apt Piccolo insurance that will suit your needs, and give you the much needed peace of mind. Instruments are indeed the most important part of a musical event, and without the well-being of your instrument, you won't be able to give the performance your audience deserves. Coming with complete safety and security of your gear will not only benefit you but also your audience, as they can hear you well.

The Basic Insurance
As a musician, you often pick the off-the-shelf choice for insurance available with the company. You feel comfortable that there is an insurance cover for your instrument, and move ahead with it.

But, a basic insurance might cover regular damage and repairs for the instrument. Is that all your instrument is likely to face when you are playing-either at your studio, home or the concert? Think again!

What if the instrument gets stolen? Does the insurance cover the part? In case your home burns down due to some accident, does your homeowner's policy include an insurance for the dear Piccolo that has become your prized possession? What if the damage is not minor?

Before buying the basic version, you will need to think through all these aspects. Most basic Piccolo insurance will not cover all the aspects mentioned here, and you might need to go for a more personalized cover.

The Personalized Policy
When you are dealing with something as prized as your Piccolo, it only makes sense to buy a more personalized policy that caters to all your insurance needs.

Let's start with how you move ahead with buying the policy. For one, you will need to make a note of all the factors that can possibly happen to your instrument. Once you have that noted, you need to understand what all factors are being considered by the insurance policy available, and what are the premium charges for adding the factors to the policy? Evaluate your instrument, and find out the price for loss, damage and other incidents. Check if the cover is worth the value, and if it is only then should you go ahead with adding it to your policy.

Choose a partner who can get you the insurance cover at an affordable rate, and then you are set to go to concerts free of anxiety. A personalized Piccolo insurance is worth every penny you pay as premium

Insure Your Sheet Music in Just 5 Steps

Orchestra insurance is one of the most important things that you need to consider before moving ahead with your next concert. While you have checked on your gear insurance, have you peeked into what type of insurance arrangement have you been provided for the orchestra? There are gaps that exist in this insurance arrangement, specifically for the sheet music which happens to be an important aspect of the orchestra. To ensure you get the right insurance scheme, here are five steps that you need to fit in your buying plan.

Valuation
What is the valuation of your sheet music library, an important arena of every orchestra? It goes without saying that apart from the purchase and replacement price, there is this other price too that you need to consider- the part where you lose on your sheet music in fire or in transit. Imagine the hours of effort and the resources that go into recompiling the whole music with the markings and bowings. If you have historic or collectible elements in your sheet music, getting that part back would be very difficult for you. Also, you will need to plan adding that to the evaluation. So, when you are defining the market value for your sheet music at the auction, include everything that makes up for your sheet music.

Plan the Insurance Amount
While you have a huge library that is at risk when there is a fire or transit, only parts of it may need to be replaced in case it is lost. Not everything in your library will be yours; there are always sources from whom you have acquired it, and they need not be replaced. Again, you have an artistic policy in place, which will help define which portion needs to be replaced on loss. The sum insured is an important part of insuring your sheet music, and it should tally with the balance sheet for the sheet music. Your sum insured should at least be valued at the library balance sheet, so that you don't suffer a major loss when getting back the money.

Insurance Clauses
When you are buying an insurance policy for your orchestra, make sure you have read all the clauses within the policy that are in line with the claim settlement. You don't want to see restrictions in the claim settlement at a later stage, just when you are planning to claim the money. The insurance settlement could be a pro rata based amount or, there could be a certain percentage set on the insurance amount you are likely to get. Either ways, it is always good to check on the claim policy before you go ahead with claiming the policy.

Is Sheet Music Covered?
Sometimes, there will be no mention of the document within the standard office policies, and in some cases it will be mentioned as a valuable document. Again, the valuable documents may be covered only on the premises that the policy was taken- the concert hall or the rehearsals location. This means any loss during transit will not be accounted for. This could be a huge blow to you when you plan to claim the policy. Always check, how and where the sheet music is covered in the insurance.

Storage
Make sure a certain part of your insurance also covers storage of the sheet music. Keep in mind the security and the safety regards for the sheet music. Some insurance policies fail to cover damp or mold sheet music or, the sheet music stored in inappropriate places.

Clarion INS is a best-in-class orchestra insurance company that offers complete transparency in claim related matters. Choose a policy that meets your needs by connecting with us.

Why Should You Get Your Musical Instrument & Gear Insured?

All geared up for the touring season? Bags, music, passport, and even itinerary checked? The music festival is a joyous affair, where music becomes a festivity and the moment to live in. Be it the boy/girl bands or the solos or the rockstars, there is one thing that they have in common- they are all carrying their expensive and highly precious instruments to this festival. For them, these instruments are their lifeline (very literally too). If you are one of them, then you would realize how hard it would be on you, if the very love of your life gets a small scratch or is broken or, worst still gets lost. You really wouldn't like it, would you?

Carrying on with the touring season is important despite this, even when your heart is broken. Though buying a new one would not get back the love, you cannot carry on without an instrument. Imagine having to shell out a lot of money to replace your instrument? Now, that is going to be more difficult, given you still have to cash in on the pay cheque.

That's where insurance comes into play! While, home insurance is a good solution for your instrument insurance, it does not give you all the benefits that come with regular instrument insurance. It is important to protect your gear with the appropriate insurance that will cover all your basic needs entirely.

A lot of musicians believe that their musical equipment has been covered under the homeowner's or automobile insurance. The cover does not take care of all sorts of losses or problems your instrument is likely to face, hence you would not be completely compensated under homeowner's or automobile insurance. The musical instrument coverage under homeowner's policy is approximately $250, which surely does not take care of everything that could possibly go wrong.

As a musician, you ought to know the difference between personal and commercial policies, and you would know that both are highly expensive for the average band. So, basically you can neither take the personal/commercial policies nor be dependent on the homeowner's policy. So, what is the way out for you, so that you don't spoil your gig with some bad news? You also need to think on the premium you will need to pay for the policies you are planning to take.

So, here are a few bullet points that may help convince why you should go for a musical instrument policy.

• You are eligible for the musical instrument insurance once you set out to buy an instrument, and you don't need to be associated with any musical group for this

• You can apply for the insurance hassle-free online. Within 48 hours, you would get the approval for the insurance, and that too without having to go through credit checks

• The musical instrument insurance is pretty affordable. Of course, when choosing the company for musical coverage, you need to firstly identify the premium you are ready to shell out, and then read the reviews that the company has received. Only if the reviews are good and the premium affordable should you go for the company in question

• Identify the benefits that you want to gain from your insurance cover. If you want to include your laptop with the software that has been installed along with your musical instrument you are insuring, make sure these benefits are added

• Under what circumstances is the insurance claimable? You should know the answer to this question before you actually go for the insurance

Before signing off the insurance, make sure your cell phones and other major things are covered in the insurance you have taken for the instrument. Clarion offers highly customized and affordable insurance for your instruments. Get your instrument insured before the next major gig!