Why Does Your Stringed Instrument Need Adequate Coverage? Facts of Clarion Insurance

The stringed instrument is one of the most admired and popular devices in the music industry. It is also the most extensive family in the orchestra that produces a unique sound from vibrating the strings while playing. A few popular stringed instruments played by eminent musicians all over the world are violin, viola, double bass, cello, guitar, and electric bass.

As an owner of a string instrument, you must be aware that your delicate gear requires routine care and maintenance to keep it in good playing condition for years. Additionally, to avoid external damage, keep it in a sturdy casing, and clean the instrument after every play session. Also, wiping out the excess rosin from the strings is essential to get the best outcome in the long term.

In addition, it’s essential to take specialized String Instrument Insurance as you cannot predict future uncertainties. Though you will never want to lose your precious equipment under any circumstances, the saddest part is that mishap happens when you least expect them. Therefore, taking suitable adequate coverage for your equipment will guard it against unpredictable situations and also financially protect you in terms of getting the claim compensated by the insurance company for repairing or replacing the instrument.

  

As an owner of a string instrument, if you perceive that your homeowner insurance covers all the losses, then there is no denying that your beloved gear is at stake. First of all, homeowner insurance provides coverage up to a specified limit. Secondly, a vital drawback of your household policy is that it does not cover the risk of loss outside the premises. To provide optimum protection, all you need is to choose adequate coverage for your instrument so that you can have a worry-free music career in case of any damage due to fire, theft, or natural calamities.

Do You Know What Are Covered In Your Musical Instrument Insurance?

Every policy is unique and different from others. Therefore, service providers have crafted String Instrument Insurance keeping all possible risks in mind that a musician may face throughout his musical journey. Before finalizing the policy, you should know what financial benefits you can expect from the insurance coverage.

Here are the coverage that specialized musical instrument insurance offers in case of accidental damage.

•    In case your stringed instrument gets stolen at home or any music event.
•    If the musical equipment is damaged due to fire or accidentally broken.
•    Due to robbery and vandalism, you are stuck with immense financial loss.
•    Any damage to your equipment during transportation.
•    In case of flood and water damage.
•    Any damage due to thunderstorms, heavy rain, earthquake, and other natural calamities.
•    Accessories like a bow, string, music stand and other equipment are also covered.

Apart from the coverage mentioned above, Liability Insurance is also compulsory for professionals to oversee a smooth and flawless music career.

What are not Covered in Musical Instrument Insurance?

As an owner of the string instrument, if you have opted for specialized musical insurance, you can rest assured about your safety and financial security throughout your music career. However, apart from understanding the inclusions in the policy, it’s also essential to know about its exclusions.

•    Regular cleaning and maintenance of your musical equipment is an absolute necessity. If the instrument is not in its casing, it can get damaged due to pollution, deterioration, dust, humidity, or vermin damage. The insurance company reserves the right to reject the claim caused by the aforementioned reasons.
•    Damage or loss of music gear owing to third-party repairing.
•    Breakage of strings or reeds while playing.
•    Intentional damage caused to the musical equipment
•    Hazards caused due to mob violence and gang fights.

Finally, in case of damage, submit all relevant proofs to the insurance company at the time of claim. Ensure to keep all the photos of the damage as evidence and inform the service provider immediately to get prompt service.

Conclusion – Every instrument needs special care to play perfectly for years. Continual maintenance, annual servicing, and taking specialized String Instrument Insurance are the keys to getting the optimum outcome of your gear for lifelong.

What is Covered Under the Musician Liability Insurance Policy?

Amateurs, in the beginning, start playing an instrument out of their passion, and gradually with years of experience, many of them take it as a profession. Undeniably this is one of the most lucrative career options for an artist. However, whether you are an owner of a recording studio or highly engaged in attending concerts throughout the year, you must be aware that, like other ventures, immense risks are involved in this business also, especially when you have to come into direct contact with the public.

Many incidents may occur in your own arranged events or music studio, where a third party may get injured or his property gets damaged, as a result, you might face legal consequences and financial hazards that may ruin your music career forever. As a professional, first and foremost, you need to financially secure yourself with all your valuable instruments by opting for Musicians’ Coverage insurance to experience a rewarding music career throughout your life.

Here are some forms of Liability Insurance that a professional music player needs the most to continue an uninterrupted music career:

Public Liability Insurance - Every business is risky, and the music industry is no exception. If any member in the event gets injured by falling over heavy equipment kept on the stage, or if any of their personal property gets damaged, the person can file a lawsuit against you, and you may have to pay huge compensations. Public Liability Insurance safeguards you from the legal charge due to third-party injury or property damage occurring in your own arranged event by reimbursing the legal fees and compensation costs.

Products Liability Insurance - If you are an owner of a recording studio and are involved in selling musical equipment, then opting for product liability insurance is compulsory to avail ultimate protection as a professional.

If any of your clients get injured by the instrument you have sold or supplied, the person can take legal action against you and can claim from you a hefty amount for the entire medical bill. In this scenario, product liability coverage will save you from legal harassment and financial disasters.

Employees’ Liability Insurance - If you hire employees to assist you in your music venture, being an employer, you should ensure their well-being. While arranging a concert or event, any of your workers may get injured while decorating the stage, and the person can sue you for the accident. In this scenario, suitable Musicians Coverage is a mandate to protect yourself from financial difficulties and legal complications. Employee Liability Insurance acts as a protection from unnecessary hazards.

Professional Indemnity Insurance - Assuming you are a music teacher and your students allege you for providing inaccurate advice, you might face legal proceedings and have to pay hefty financial charges. Professional Indemnity Insurance helps you to cover all the losses and lead a worry-free music career.

Commercial Liability Insurance - Being a professional musician, securing the premises used for commercial purposes is of utmost importance to you. If the studio or business premises catch fire or get damaged due to natural disasters, commercial liability insurance will safeguard you from facing financial disasters.

Claim Process for Musicians In Case Of Theft or Damaged

As a professional music player, one of the key jobs is to follow the claim process properly to get the optimum benefit from the insurance company for your insured instruments or commercial premises. If you cannot provide proof of damages or delay in filing the claim, you might lose the opportunity to get the claim amount from your service provider.

Below is mentioned the claim process in case of theft or loss of your instrument:

•    First and foremost, you need to file an FIR with the local police station in case of theft or loss.
•    After registering the FIR, you need to call or mail the service provider and inform them about the loss.
•    You need to collect all the evidence in case of accidental damage.
•    The claim form has to be filled and duly submitted with all the necessary details required by the service provider.

Final Conclusions - A suitable Musician’s Coverage is the only solution for professional music players to sustain an uninterrupted music career.

Five Ways to Safeguard Your Cello from Getting Damaged During Winters

The cello is one of the most popular members of the stringed family and has been a captivating instrument amongst all ages of musicians. Some instrumentalists prefer to play cello over the violin as it’s less difficult to learn and sounds almost similar to the human voice. Moreover, it also requires less physical stamina than other stringed instruments.
 
It does not matter whether it is a guitar or a cello, every single piece of equipment requires optimum care. Rigorous maintenance is necessary to get the best outcome in the long run. Also, as a musician, it’s essential to remember that you should not miss buying dedicated Cello Insurance to protect your musical gear from unavoidable damages.

As a cellist, if you are worried about the safekeeping of your delicate cello, especially during winter, here are five easy tips to safeguard your stringed instrument from cold weather:
 
•    Exposure to extreme cold conditions could be worse for your cello. Keeping your stringed instrument at room temperature is always advisable. During winter, because of dry climatic conditions, the humidity level drops, which may cause harm to your gear. In this scenario, a digital hygrometer is the best solution to monitor the humidity level throughout the day.

•    A humidifier plays a significant role in increasing the humidity to the desired level, keeping your stringed instrument safe at home, and protecting it from cold weather. The ideal humidity should be between 30-50 percent.

•    It’s always better to keep your cello enclosed in a sturdy case wrapped with a silk cover to keep it away from cold and also in a stable humidity level.

•    Avoid leaving your stringed instrument in the vehicle overnight. Also, warm up your car before transporting your cello in it.

•    Finally, during winter, you should not keep your gear close to the fireplace, as extreme heat is equally harmful.

Why is Musical Insurance Considered an Essential Component of Your Cello?
 
While purchasing a cello, you must have spent a significant amount on it. Besides the monetary involvement, there must have been innumerable sentiments attached to your beloved instrument, and in any circumstance, you will never want to lose it.
 
Though daily cleaning, rigorous maintenance, and annual servicing are essential to keep your musical equipment safe and secure, the reality is these three are not enough to safeguard your musical gear from unavoidable damage.
 
As a musician, while buying an expensive instrument, first and foremost, you should protect it from sudden loss by opting for a comprehensive coverage policy. In this context, Cello Insurance helps you recover the loss by repairing your gear or replacing it in case of accidental damage.

How to Get the Right Insurance Coverage for Your Stringed Instrument?
 
Before finalizing insurance with the service provider, ensure you choose the right policy for your instrument. To get adequate coverage, ascertaining the exact value of the gear is essential.
 
If you have recently purchased your gear, it would not be difficult to find the price as it would be on the receipt and will be enough to ascertain the proper coverage. However, if you own an old piece of equipment and you are unsure of the exact value, first and foremost, you need to get a musical instrument insurance appraisal. You can hire a professional appraiser or talk to the local music store to get the same done.

Is Public Liability Cover A Necessity for A Professional Music Player?

As a professional stringed instrumentalist, you attend events or concerts throughout the year. Do you know your music career is at stake if you have not obtained the right coverage? In your own arranged event, if any participant gets injured or, his personal property gets damaged by tripping over a stack of equipment kept on the podium, the person can take legal action against you. Here, Public Liability Coverage acts as a shield and protects you from financial loss and legal complications.

Conclusion - Daily care and selecting the right coverage for your stringed instrument are paramount. However, well-maintained gear and specialized Cello Insurance allow you to continue your musical journey with peace of mind.

Why is Music Gear Insurance Important for Musicians?

Whether a woodwind or a stringed instrument, a considerable investment is involved in owning every piece of musical equipment. As a musician, you might have spent a significant amount on good-quality music gear to experience a flawless musical journey in the long run.

You certainly put endless efforts into protecting your valuable musical equipment from all possible damages. However, you cannot predict the occurrence of unforeseen circumstances. What if your studio catches fire or equipment gets stolen? Unquestionably, you would lose your beloved possession forever or else, have to spend a hefty amount repairing and replacing it. In such a scenario, only a comprehensive musical instrument policy can safeguard you from an immense financial strain. Opting for Music Gear Insurance covers your back by reimbursing the cost of repairing or replacing your equipment.

Four Reasons Why Homeowner or Renter’s Insurance is not enough for Your Musical Instrument?   
•    First and foremost, homeowner or renter’s insurance does not provide the adequate coverage you would require in the event of damage to your music gear. In case of a mishap to your instrument, these policies will only cover the loss up to a specified limit, and the coverage might be lower than the instrument cost. To get comprehensive coverage, Music Gear Insurance is the most suitable option that provides ultimate financial security to your equipment.

•    Secondly, in case of any damage or loss to your equipment occurring outside of your premises, home insurance will not cover the loss. However, a dedicated musical insurance plan acts as a safeguard to protect you financially even while in transit.

•    The third important reason homeowner insurance is a misfit for your musical gear is that damage due to natural calamities like flood or earthquake does not get covered under these policies.

•    Finally, as a professional musician, you must be highly occupied with music events, gigs, or concerts throughout the year. If any unpleasant incident occurs during your own arranged event, the loss does not get covered under home insurance. In this scenario, only a specialized insurance policy will act as a shield to protect you from financial loss. 

Information Required by the Insurance Company While Applying for a Musical Instrument Policy

•    You need to provide some vital information while applying for insurance to get the best coverage plan for your music gear.

•    Firstly, you need to know the value of your instrument to ensure that you ascertain the amount of coverage. You might be asked for a valuation paper by the company to know the exact cost of the equipment.

•    Apart from determining the valuation, they might ask you about the history of your instrument to establish if it has incurred any previous dent or damage.

•    The service providers may have a query about where the instruments are stored. They need to know whether the storage is in the basement or a proper dedicated place.

They will also inquire how often you play the music gear and travel with your instrument. Your information will help the insurer to suggest the best coverage plan for you.

Choose Your Insurance Provider Wisely for the Music Gear

Once you have decided to take out musical insurance for your instrument, the next step is to find the best service provider. You should finalize the insurance company wisely while determining the suitable policy for your equipment. Positive feedback and testimonials from existing clients, a responsive customer care department and the efficient operation of the concerned team in handling the claim will help you to choose the best insurance provider.

Moreover, if you own any unique instrument, you should re-confirm with the company whether they have a suitable coverage plan. It is always better to take out insurance from a service provider having the expertise to cover your equipment and protect you from any financial hazards.

Key Takeaway

Finding the right Music Gear Insurance for your instrument seems to be a daunting task. However, the suggestions listed above would help you to get the most suitable policy you need for your prized possession.

Buy Affordable Rates Insurance for Your Viola Instrument?

Viola is one of the prime members of the violin family and stands out as a salient stringed instrument because of its remarkable pitch. In addition, its warm, deep, and mellow tone create an impetus for musicians toward the equipment. Unquestionably, a violist derives optimum pleasure in owning and playing it.

Only instrumentalists realize the uttermost importance of their prized possession and can never bear the thought of losing it. If you are a violist, you should know that regular cleaning of the strings or the surface is not enough to keep your precious piece of equipment secure. Nothing is constant, not even time. In your music career, you cannot expect good times to remain throughout. In context to the security of your valuable viola, you should be well prepared to accept even the worst. For a violist, nothing is more heartbreaking than seeing his beloved instrument getting damaged or stolen. Besides, it pains more when he comes to terms with the reality of paying a hefty amount in repairs or purchasing afresh.

In modern society, everyone is aware of the importance of insurance, and so are musicians. They rarely think twice about spending a significant amount on expensive music gear but often neglect to invest in a comprehensive policy to protect it from uncertainties. Do you dither to invest in insurance as it adds to your expense? Have you ever calculated the total insured value against the premium you are paying? Viola insurance not only negates the financial loss you suffer from any sudden mishap but also helps you to get your equipment back faster by paying the insured amount against the claim.

Thorough research helps you to finalize the most affordable and suitable insurance plan.

Why is Specialized Musical Instrument Insurance Better than a Household Policy?

In terms of high-value equipment, it is always better to opt for a specialized musical insurance policy instead of a household coverage plan. Musical gear gets covered under home insurance only when the equipment is stationed at home or if you have any supplemental coverage that covers the gear in closed rooms outside your premises. Besides the homeowner policy caters to claims only up to a limit. If you are a violist, it’s always wise to take Viola Insurance to protect your stringed instrument in every possible way. It doesn't matter whether you are in a concert or traveling to any other place, you can rest assured that your valuable musical instruments are financially well protected.

The Steps Involved in the Claim Process for Viola Insurance?

Below are listed six pointers that are uttermost important to make a claim.

•    While signing up for Viola Insurance, it is always advisable to read carefully the terms and conditions listed in the policy documents.

•    If the instrument gets stolen, immediately report it to the local police station and communicate the same to your insurance provider as well.

•    In case the equipment gets damaged during transit, collect all the photos along with necessary documentation as evidence.

•    Collect all the broken or mutilated pieces as proof of damage.

•    Determine the reason for loss or damage.

•    Save the purchased receipt as proof of ownership and the valuation paper of the instrument to determine the value.

Conclusion

There is no doubt that dedicated musical instrument insurance is the ultimate protective shield for your beloved equipment. However, all service providers are not equally proficient in catering to your need. You will find some companies are less responsive and, on the other hand, some are way too expensive. Therefore, before finalizing your service provider, it is always recommended to do thorough research about all types of insurance plans available in the market. Testimonials of existing clients will help you to understand the pros and cons of the coverage provided by the insurer. Detailed research will enable you to purchase the most suitable policy at an affordable price.

Steps to Be Followed to Start a Music Studio in New York

New York is the city of musical revolution and home to a profusion of popular music genres like jazz, rock and roll, blues, salsa, folk, funk, and, classical music. Also, it’s known as the birthplace of disco, hip hop, punk rock, bebop, and new wave. If you are amazed by the grand success of Music Studios in New York and have the vision to launch your music recording endeavor, you can rest assured about the city you have chosen for your dream venture. It’s not only a city but a land of opportunities where you can vastly explore your music skills and start your dream venture with a plethora of scope.

Below are highlighted steps for launching your music studio:

•    Establishing a music studio is not an overnight job. A far-sighted vision, strong business acumen, tremendous hard work, and an adequate financial infusion will lead you to be a successful studio owner.

•    Location holds significant importance while you plan to set up your music studio. You can even transform a part of your residence into a recording place. However, if in case, you feel distracted at home, you can further invest and move to a soundproof studio in a nonresidential area that can add more visibility to your enterprise.

•    Once your location gets finalized, the next vital step is documentation. You must procure local business permits, music licenses, and other relevant contracts. In addition, a suitable brand name, attractive logo, and professional website are necessary for your business growth. Also, do not miss to opt for a dedicated insurance plan for your music studio to get financially secure.

•    Furnishing your music studio with the necessary equipment is the uttermost requirement. Thorough research will help you to get all essential music gear within your budget. A laptop or desktop, a digital audio workstation, audio interface, DJ and mixing headphones, microphones, studio monitors, stands, speakers, and instruments are the primary equipment you require the most for your studio.

•    Finally, how fast your studio venture will reach the break-even point and create a brand name in the music world will depend on how efficiently you can keep your overhead within limits and generate revenue from multiple sources.
 
In The Absence of Public Liability Insurance, Your Business Is at Risk.  

There are many music studios in New York that have been running successfully for years. However, steering the operation of a music studio with all expensive equipment is full of risks. Suppose a musician visiting your recording studio confronts an injury or his personal properties get damaged at your premises, and may file a legal case against you. Opting for Public Liability Insurance provides a sigh of relief for you as it covers all legal liability along with financial disaster.

Safeguard Your Business with Commercial Liability Insurance

Running a business without insurance is equivalent to driving a car without gear. Life is full of uncertainties thus, accidents may occur even when you least expect them. To secure your business premises along with its belongings and get covered from sudden financial loss due to theft, fire, heavy storm, flood, or earthquake, you should get commercial liability insurance on a priority basis.

Product liability Insurance – A Blessing for a Seller

If your studio is involved in selling equipment and any of the clients gets injured by the product, you may face legal consequences. Product Liability Insurance acts like a shield and protects you from legal annoyance.

Is Your Studio a Rented Property? Protect it with Rented Premises Liability Insurance.

If your studio is on rent and accidentally gets damaged, in such a case, you may be held responsible for the damage and liable to pay huge compensation. Rented premises liability insurance provides all expenses for repairing or replacement costs.

Special Event Liability Insurance - An Ultimate Safety for Studio Owners

It is uttermost necessary for owners of music studios in New York to carry a Special Event Liability Certificate while conducting a gig or concert. It covers losses in case of any damage or injury during the event.

How to Protect Your Music Audio Equipment?

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

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

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

Keep your beloved equipment away from dust

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

Heat is harmful to your audio system

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

Your sound systems require ample ventilation

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

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

Keep your audio equipment protected from a power surge

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

Protect your valuable equipment with a suitable insurance plan

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

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

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