Picture
this - While recceing gig spaces for your next show, you parked your car
outside a concert hall. You went inside, did the talking, and got back to your
vehicle. However, what you saw shook you from inside - the rear window of your
car was broken into pieces, and your valuable woodwind was gone. Yes, it was a
case of theft in daylight. And soon, you realized that although your car was
insured, your woodwind did not have separate Woodwinds Insurance. And that it was under your home insurance.
Your homeowners’ insurance might not
protect you!
You
called your home insurance provider to report the theft and file a claim. That
is when a chill ran down your backbone. Your home insurance provider informed
you that they would not be able to cover your gear because the accident
happened outside the premises of the insured property. It is what usually
happens with your home insurance, no matter even if you shell out a fortune on
the premiums. You were clueless about what to do next because your musical
instrument was not only dear to you but was also super expensive.
Dear
reader, although the situation described above is hypothetical, unfortunately,
what if you fall prey to such an accident? Instrument theft, loss, and damage
are pretty frequent these days, after all. Therefore, industry experts advise
all musical instrument owners and musicians to buy instrument-specific
policies.
Home
insurance policies are good enough. There is no question about it. However, you
need to understand that you cannot harvest avocado from a lemon tree. Right?
Similarly, your home insurance cover is to protect your home and its
belongings. And the thing with musical instruments is you not always play it
inside your home. An instrument-specific ensures the best protection for your
gears and accessories. Therefore, you should overlook the importance of musical
instrument insurance.
Third-party liability can break your
bank!
Another
scenario with musical instruments is - when someone else (third-party) gets
injured, or you happen to damage the assets of a venue, a music recording
studio, or a hotel room, you are most likely to be on the off-side of a
possible lawsuit. And a public liability could be expensive and full of hassles
if you are found guilty and are liable to compensate the third-party for their
loss or damage.
However,
you can minimize the risk of third-party liability by making sure to work with
only those service providers and professionals who have insurance. Most
importantly, you should make sure to get yourself suitable musical instrument
insurance in the first place.
Musical instrument insurance ensures
all-around protection!
Not
just these, there are many scenarios that musical instrument owners could face
at some point in their lives. However, the wisest thing to do is make sure that
no unwanted situation can ever come between you and your musical gears while
ensuring that your finances are well-protected. And, it is why musical
instrument insurance exists. All you need is to understand your gear protection
needs and the amount of money you are willing to invest in buying a policy.
Find a good insurance company and
protect your gears!
Reliable
insurance companies offer instrument-specific products, say Woodwinds Insurance, custom-tailor
policies according to the coverage needs and budget of their customers. If you
travel with your musical instrument, then you can also enjoy the benefits of
worldwide coverage with a reputable musical instrument insurance provider.
Customer-oriented
insurance companies offer quick, affordable, and hassle-free services to their
clients. So, you can always count on their services. Always remember, when you
know that your valuable gears are safe, you can give your best performance.
How to find a customer-centric
insurance provider?
As
there are hundreds of insurance companies operating in your state, it might
find it difficult to choose any one from them. Don’t worries, the pointers
given below will help you with this dilemma -
●
Go for a licensed insurance
provider
●
Go for an insurance company
that promises transparency with pricing and extent of coverage
●
Go for a company with all
relevant certificates and accolades (these are the benchmarks of reliability
and quality)
Last
but not the least, stay safe!
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