Reasons Why Your Casual Music Lessons at Home Need Insurance Too!

Lucky are those who get the chance to turn their passion into profession. However, even if you don’t get the scope, there’s always a way to live your dreams! If you’re a music lover, you can always earn your living from the thing you love the most – music! Yes, you can do your regular job and casually start teaching music at your home! It’s a pitch-perfect deal, isn’t it? It will be; if you have the music lesson insurance by your side!

Wait! What’s that?

Well, it seems perfect to pursue your passion for music and earn money from it. But like every other thing in the world, music teaching at home is not always smooth! Things can take a bitter turn at any time! But the good news is there’s always a way out! And in this case, that’s insurance!

Reasons for Having Music Lesson Insurance Even While Teaching at Home

Accidents can happen at any time. With kids (mostly), learning music lessons from you, accidents are waiting to happen! Well, from the children to your instrument, anything can get harmed!

So, if you’re wondering whether insurance is really needed if you casually teach music at home, let us tell you the fact. YES! You need insurance!

The following are the reasons why you need insurance for teaching music class even at home.

Students’ Injury and Compensation

As we have already mentioned earlier, injury can appear at any time. In most of the cases, people are going to teach kids. So, they can injure themselves in many ways – they can get their head hit to the Piano you have or they can get their legs tangled with the wire of your electric guitar while passing through! Either way, they would be injured and the families can ask for compensation for the injury of the kid. In that situation, you’d have nothing to do but spending all your hard-earned money for a sin you’ve not done!

Solution:

To get you rid of the matter, Public Liability Insurance can be a great help! It covers the bodily injuries which would make sure you don’t go bankrupt even if the parents of your kid trainee ask for a skyrocketing amount.

Damages in Music Instrument

Music Instruments are the oxygen for every music teacher. So, if your music instruments get damaged, it means your business (regardless of its size) stops breathing and starts dying! When you have kids learning music from you at your home, they cannot learn without touching an instrument. And in doing so, they often damage the instruments! And buying costly music equipment every now and then may not be your forte, being a common man. In that very scenario, insurance would be the finest thing that can help you!

Solution:

Public Liability Insurance and Portable Equipment Insurance covers the property damage, which means you don’t need to take out a single penny from your pocket to buy a new instrument.

False Blame from Clients

The world is full of people who like to blame! And that’s no different from a divine art like music. People can quickly turn against you and say that you have not done your job properly. Parents always become super-ambitious about their children and start thinking illogically. If a kid doesn’t perform well or doesn’t get good grades, their parents may come for compensation from you, saying that you were not good enough at teaching which caused their child’s poor performance!

Solution:

Professional Indemnity Insurance of music teachers is the best way out of this hazard. This insurance will help you find your way out of the complex legal jeopardies and will take care of the financial part too!

Conclusion

We feel it is quite evident why you require the music lesson insurance even when you’re teaching music casually at home! Whatever you do, come with a risk and jeopardy. It’s your duty (and smartness) to cut off the risk! The above are the three most common issues with their finest solution! Now, start living your dream without worrying about anything!

Choosing the Right Music Insurance Company is Crucial

You are a musician. However, even after analyzing various scenarios and situations, you still couldn’t decide if or not music insurance is worth going for. You are not alone. Probably, getting a clearer insight into this topic would help you understand the importance of musician’s insurance and why do you need a reliable Music Insurance Company. Let’s read on!

Scenarios that call for a music insurance

There are many scenarios that highlight the importance of having the right music insurance coverage handy. Here we have handpicked some of the most common situations that can swipe off your saving of you don’t have suitable coverage. Here we go –

When you are a music teacher…

If you hold music tutoring sessions at your home or studio, then you will have students coming therein. However, what if a student trips over the carpet and breaks his/her leg? What if she/he claims compensation for the bodily injury he/she has sustained? What if you have to face a third-party lawsuit? Lawsuits can burn holes in your pocket.

A suitable studio or home business insurance policy can protect you from the liabilities of the lawsuits.

When you are the owner of a music store…

If you own a music store, you can be at financial risk because of the instrument you showcase. You will have customers coming and inspecting the gears all the time. Things can be even riskier if the customers have little kids along with them. What if an instrument falls off from the display and injures a customer? What if the court asked you to payout for the medical bills of the patron?

Get your music store the protection of a custom-tailored music store insurance and bid adieu to risks.

When you own a recording studio…

If you have invested your hard-earned money designing and building your long-cherished recording studio, you’ll definitely don’t want to take any chances, right? What if someone torches it down or vandalizes it? What if the studio suffers heavy damage due to flood?

The right recording studio insurance plan can be your savior.

When a concert is on…

Imagine that you have organized a rock concert and unfortunately some attendees got injured due to a sudden pyrotechnic explosion. Or a speaker or any other equipment falls off and injures a spectator? What if the court holds you liable to compensate for the medical bills?

A concert insurance cover comes to your rescue.

So, these are some of the situations that make taking music insurance company a top priority. So, whether you teach, sell, or record, make sure to have yourself, your instruments, and your studio covered under the best possible music insurance.

Points to ponder about when choosing a Music Insurance Company

In order to get the right and sufficient coverage, you need to consider certain important pointers. Let’s check it out!

Know your requirements - What are your requirements? How much coverage do you want? How much are you willing to spend? Different policies come with different benefits and pricing. So, knowing your exact requirements and budget will make it easier for you to choose a suitable policy.

Choose a trustworthy service provider - Music insurance service providers are many. So, you need to be extra careful while choosing one. Make sure to go for a reliable and customer-oriented service provider. Choose the one who can live up to your expectations and needs and presents a good track record. Choose the one that’s upfront with pricing and the extent of coverage. Refrain from selecting a service provider that happens to play hide and seek with you when it comes to pricing and terms and conditions.

Go for a licensed insurance company – Make sure to check all the relevant credentials and certifications before choosing a service provider. A state license is one of the most important documents you should look for.

Choose the one that offers impeccable customer service – Always remember, your relationship with a Music Insurance service provider is a long-term one. So, make sure to select an insurance company that offers impeccable customer assistance, no matter when you need help buying a policy or settling a compensation claim.

Music defines you, protect it with the right coverage

Now that you know about the significance of music insurance and how choosing the right Music Insurance Company will help you deal with the possible risks to your business, do some homework and find a good service provider, right away!

Secure your Musical Instrument Business with Music Dealer Insurance

Just like owners of musical instruments must make it a point to get their equipment insured by a feasible and trusted Music Insurance Company, in the same way, dealers of musical instruments should also make it a point as well to get their business insured. Not only is the competition getting more robust, and there is the need to protect the business evermore, there are always chances of mishaps as well. These are something that cannot be ruled out. Therefore, the best way to put the seal of assurance on your livelihood (your business) is a Music Dealer Insurance. 

A right insurance provider will give you personalized policies so that you can choose the most fitting one for your business. However, before pursuing any Music Insurance Company, do keep this in mind that the company's experience matters. An aged company will have the market-serving expertise at their disposal, and they will offer you the best policies available, curated precisely to fit the nuances of your business. It is something that a new start-up may not be able to deliver.

What can go wrong with a music instrument dealer?

Just like every other business, a business dealing with musical instruments also has its reasonable share of challenges that might come in the way. While building the insurance policy for the business, the owner must make it a point to include the little-big stuff that makes a business dealing with musical instruments complete. Like, apart from covering the expensive and delicate instruments in the store for sale or rent, there is also other equipment that maybe they're in the store for a variety of purposes like repairing, cleaning and so on. So you're already in liability of a lot. These must be included in the Music Dealer Insurance.

In the same way, music stores often cater to business, making new and unique liability concerns. Although general insurances do cover most of these needs, sometimes they can miss as well. Hence you have to go after the complete option you get.

A Good Music Insurance Company will have these few nuances:
•    Protection for accidental damage.
•    Pretention for accidental loss.
•    Coverage, including the retailing stock and tools and other repairing machinery in the store.
•    Customizable policy suitable per need
•    Coverage of the workshop along with the retail floor
•    Professional staff, on-time reach and prompt action on demand

Now you know what you should be looking for while selecting the insurance provider for your musical instrument business. The insurance must undoubtedly cover the other aspects of the industry like the workshop, the tools, machinery, and other elements of liabilities.

Why Clarion Associates Inc.?

The third generation, privately held family business, Clarion Associates, Inc. has been there on the market for the last 25 years, making them perfectionists in their business. They strive to provide the best insurance policy, catering primarily to the music industry and its souls- the musicians.

Their tenure in serving the music industry and the musicians have made them experienced player in the industry. Even though the insurance market has been volatile for long, the company has continued to serve without fail, and only developing in the process. Harnessing their time in the industry, they're able to deliver the best possible insurance coverage to musicians and music store owners that can be hard to find. Their policies are curated to perfection, thanks to their expertise. What is more? They have an excellent customer service record and the recognition of musicians from all over the world.