Choose a Music Insurance Company that Offers Comprehensive Coverage

 

 

Most people, when it comes to choosing an insurance service provider, get carried away by the hype and hoopla of the deals and offers the latter promises to offer. Some don't even analyze what a given musical instrument policy is offering. Although saving money is indeed crucial, not at the cost of your protection. Isn't it?

Deals will come and go. At the end of the day, what stays is the assurance of being protected. And, you can get this only by choosing the right insurance protection that not only promises but also lives up to your expectations at the time of a financial emergency. However, like choosing a decent policy is important, where you are getting the policy from is also important. Therefore, be informed and find a reliable and reputable Music Insurance Company when buying yourself an insurance plan for your musical gears.

 

Your musical gears need much more than home insurance

 

Generally, people who own musical instruments or are collectors of priceless pieces, try to wrap up their collection under their home insurance. Mostly, they either do not have any idea about dedicated musical instrument insurance plans, or they give preference to their home insurance to save their pockets. However, when you would learn that your home insurance is fine, but your musical instruments need much more, you will definitely find a specialist music instrument insurance to be an investment-worthy thing.

 

● Your home insurance, no matter how much hefty the premium amount you have paid, will not protect your instruments if anything happens to them outside the premises of your home. And, probably, you will go out for sure. Right? However, if you get an instrument-specific plan, your gears are protected almost everywhere.

 

● Your home insurance will definitely not cover your instruments worldwide. However, if you buy a dedicated insurance plan from a Music Insurance Company, you are most likely to get this protection, regardless of where you go. And, if you are a touring artist, it is a big yes for you.

 

● Your home insurance will cover the enlisted musical gears, but up to some extent and not the entire value. And, it is most likely to be not much suitable or useful for you.

 

● Claim settlement for lost or stolen musical gear would be much more hassle-free and easier with a musical instrument insurance provider in comparison to home insurance. And the reason is quite obvious. A music insurance provider understands this front much better than your home insurance provider.

 

So, these are some of the most crucial things that you need to keep in your mind when you are confused between home and musical instrument insurance policy. Always remember, the unknowns associated with your life and livelihood would always be unexpected. And, in case you are not prepared, it could take a toll on your emotional as well as financial wellbeing. In light of what is being said here, having the protection of a musical instrument insurance plan is imperative for you, no matter if you are a beginner or a top player from the industry.

 

The qualities of a reliable music insurance service provider

 

You might be wondering that there are plenty of musical instrument insurance companies in and around your state, so how would you understand if the one you intend to choose is the right choice for you? Well, it is quite a question. Choose a company that is licensed and holds all the necessary credentials and memberships. Also, a trustworthy company is always transparent to its customers and offers the highest level of customer satisfaction right from the beginning to claim settlement (if needed) and further.

 

Professional Guidance to Buy Appropriate Music Studio Insurance

When you are a musician, your musical instruments, be it a vintage Martin string, the grand piano you bagged at the auction, or any other piece of gear that oozes music, are more than a world to you. These do have high financial values. But, for you, the connection is spiritual that only you can understand. Your gears are your inspiration for creativity and the excitement that sets an adrenaline rush in your body. Isn't it? However, the very thought of losing them is utterly depressing and the last thing you would ever want to think about. However, it would be better if you think about those nightmares beforehand and stay prepared to look into their eyes.

 

As far as staying prepared is concerned, protect your music recording studio with suitable Music Studio Insurance.

 

What extent of coverage your home insurance offers?

 

Well, in general, musical instrument owners can wrap any particular gear into their home or renter's insurance plan. However, when it comes to the entire paraphernalia of instruments and your music studio, you are most likely to get a certain amount of value and something that you won't find useful or even attractive. And the most important thing, your home or renter plan will not cover any property used for commercial use. 

So, there is no point in getting into so much hassle when insurance protection for your recording studio is all you need. Here are some of the most important covers you should look for when buying insurance for your den. When you have all these covers in place, you are safe. So, let’s take a look at the pointers given below:

 

General liability insurance

 

Do you know you are most likely to be tagged responsible if someone, a third-party, suffers bodily injury or property damage while he or she was on your property? Accidents like slip and fall, electrical wiring fault-related shocks, or something else might make you land in the legal mess, a pretty expensive one. However, the general liability coverage will protect you against all these and much more.

 

Workman's compensation coverage

 

When it comes to the USA, almost every business needs to carry this coverage in order to operate. The possible risks of injuries to the music tutors and other employees are likely to include broken instruments, slip and falls, strained vocal cords, and anything in between. If you have workman's compensation, you will not have to worry about the on-job injuries-related medical bills and, of course, the super-expensive legal fees.

 

Property Insurance

 

If you are the owner of the building where your music recording studio is located, getting property insurance is a must. Have you ever thought that the damages owing to natural disasters, theft, fire, or other catastrophic accidents can make you lock the doors of your studio? Even if you have a home studio, you are most likely to need separate business insurance for your studio. Although your studio is located right in your home, you use the former for commercial purposes, for which your home insurance will not be responsible. Plus, you have so many musical instruments in there. Getting property insurance will make sure that you are covered.

 

These three covers will act as a financial cocoon when you need them the most. Therefore, if you own a music recording studio, you cannot do without it.

 

Protect your musical instruments and your savings

 

If you cannot afford to let go of your musical instrument for whatsoever reason, get Music Studio Insurance right away! Get in touch with a reputable service provider, get the right policy, and find peace of mind.

Secure Your Piano and Finances with a Specialist Instrument Insurance

 

Picture this - Samuel purchased a gorgeous and scintillating Fender Rhodes piano. He has been longing for it for so long. However, unaware of the importance of having a standalone Piano Insurance, he went on his long-impending tour to the beaches. Hardly did he know that misfortune was waiting for him right on the other end of happiness. After he came back from his holiday, he was taken aback to see that a portion of his house was burnt into pieces due to a major electrical fault a few days ago. Unfortunately, his piano was kept right in that part of his home, his study.

 

It was hypothetical but can be real!

 

Needless to mention, but accidents like these can wreak havoc on your life, not only financially but also emotionally. So, are you ready to face such a situation? What if something like this happens to the piano or any other instrument you bought recently? It is highly advisable not to rely on your home insurance for complete coverage. The best thing you can do to yourself and your musical gears to protect them from the unwanted likelihoods is buying a musical instrument insurance policy.

 

Musical instruments and insurance go hand in hand!

 

Having to tackle such a pathetic scenario of losing your piano can be a tormenting experience. Things can take a wrong turn, especially when you do not have sufficient insurance protection, which makes you shell out for paying for the repairs and other damages after an accident, all from your pocket. Therefore, specialist Piano Insurance is a must-have for every music instrument owner, regardless of his or her professional status and playing level in the world of music.

 

Coverage at all playing levels

 

Specialist musical instrument insurance policies from a reputed and customer-focused insurance provider are intended to cover almost every possible loss or damage. So, you can rest assured about the security and safety of your gears as well as your finances, no matter when you are a public figure or a hobbyist.

 

Coverage options you want to enjoy!

 

Although the extent of coverage might vary from policy to policy and insurer to insurer, there are some standard covers that you are most likely to get will all reputable insurance providers, and the rest you can always sit and work with your insurer. Some of the basic insurance covers include the following:

 

● Coverage for all potential risks, including flood, fire, accidental damage, theft

● Cover that protects your musical instruments all across the globe

● Cover when your gears are at your home

● Cover when your gears are in transit

● No claim bonus

 

What is all about public liability?

 

It is one of the most frequently asked questions people ask when looking for dedicated musical insurance policies. Public liability or third-party liability is a scenario where you are responsible for someone else's loss or damage. The loss of damage could be physical injuries or property damage. As far as the situations that can arise is concerned, it could be anything, a mic falling on an audience while injuring him/she, a student falling off the stairs breaking her leg due to a tangled cable kept on the ground.

 

And, when you are responsible for something, it is you who have to compensate. It goes without saying. In most of the cases, the compensation is financial and you have to pay out of pocket for the same. It could be so very financial draining. However, when you have a musical instrument insurance policy that covers public liability, you are safe from the financial burden as your policy will take care of it.

How to Get an Instrument Appraised by an Experts

 

Have you inherited an ancient violin or maybe a vintage grand piano that you do not play anymore and want to trade-in? Well, when antique pieces sit collecting dust and grime in your garage or cellar, it is wise to trade them instead. These unique collectibles will probably look better occupying your bank account accruing interests rather than occupying a corner of your home that you can use otherwise.

However, when you want to sell vintage musical instruments but are not sure about how much it should cost, get your musical instruments appraised from a reputed and experienced appraiser.

 

Years of Experience Matters

 

As reputed appraisers have years of experience in this field and have valued thousands of musical instruments and accessories before, they are the best people you should look forward to. However, make sure to choose a professional who has Insurance for Appraisers. It will help you streamline the process, and you would rest assured about transparency and reliability.

 

Musical Instrument Appraisal Is Not an Easy Feat!

 

Collecting exquisite and vintage musical instruments and accessories is a niche marketplace. Although most of such instruments possess a resale or second-hand value, some musical instruments are exclusive and precious. It mainly includes guitars, piano, woodwinds, and percussion, among others.

 

Moreover, musical instruments with a lineage or that belong to some famous personalities are also valuable no matter what. These gears indeed deserve a decent value. Therefore, it is crucial to get your musical instruments appraised.

 

Some Gears Become Valuable, Some Depreciate in Value

 

Evaluating the value of instruments is not everyone's cup of tea. The value of many of the musical instruments increases over time owing to a number of factors, such as refinement of sound quality with time and increase in the harmony of the sound, and others. This increase is often seen in instruments like violins, violas, and guitars. Similarly, the value of musical instruments like saxophones or pianos depreciates with time, depending on many factors. A musical instrument appraiser is the best person to decide these factors while evaluating the value of your gears.

 

Some Instruments are Never Old!

 

Another important thing with musical instruments is, some of them, especially the older ones, may not bring in the same charm and magic as they used to exude before when played. But they have a different character now. Such musical instruments are known as collectibles or collector's items. These may not appeal to your ears anymore, but will definitely make your head turn.

 

So, when there are so many factors to consider, you should get your musical instruments appraised by an expert professional. Most importantly, it is important to choose one with Insurance for Appraisers. Otherwise, you might not get the right value for your vintage musical gears.

 

What are the Steps Involved in Getting Your Gears Appraised?

 

As far as the steps involved in getting your musical instruments appraised is concerned, it may vary from one insurance service provider to the other. However, with a customer-oriented company, it would be hassle-free and likely to involve the following easy steps:

 

● Step 1: Find a reliable music insurance appraiser. You can also go for an online appraisal. It would be more convenient.

 

● Step 2: Take a photo of your musical instrument that you want to get appraised and upload the same to the website of the service provider.

 

● Step 3: The experts will evaluate your musical instruments with the best of their knowledge and expertise.

 

● Step 4: Once the appraisal is done, it will be sent to you via mail or whichever way you want

 

This is how the process of appraisal works!

How Insurance for Retailers Works?

Insurance for Retailers comprises various types of policies that retail businesses are likely to need to protect their firms from the liabilities they face quite often in their course of operation. Even if we talk about the minimal cover that small retail business needs, it should include the commercial property as well as the general liability cover.

 

However, when you have a reputable insurance provider to assist you, finding the right amount and extent of coverage is not a tough feat. Their professional representatives will help you find the most suitable insurance plan according to your requirements and budget.

 

So, how does retail insurance policies work?

 

Every business comes with its own share of risks and perils. Right? So, retailers need to protect their property and assets from potential risks. Being without insurance protection can break their businesses very hard that will eventually affect their emotional and financial well-being.

 

Are you also a retail business owner? Do you know some of the biggest risks to your business? Well, property loss or damage and third party lawsuits are two of the biggest dangers to your business. However, if you have enough insurance protection, you and your business are safe from these and other perils.

 

Which insurance cover protects what?

 

As there are many different types of Insurancefor Retailers, it is crucial to understand which cover protects what. Then only you can safeguard your interests in the best possible way! Let’s take a quick look at the pointers given below for better clarity:

 

Commercial property insurance:

 

It is designed to protect you financially in cases of property loss and damage.

 

Product insurance:

 

As the name suggests, this type of cover protects your products in case of loss and damage caused due to theft, fire, flood, rain, and other catastrophic elements of nature.

 

General liability insurance:

 

When it comes to a retail business, you will have shoppers or buyers visiting your retail shop. Right? What if someone is injured at your property? What if someone’s property is damaged? What if you sell online, and your customers received a defective product that further led to severe issues? General liability insurance protects you against all these and much more.

 

Workers’ compensation insurance

 

For retail businesses that have employees should also choose workers’ compensation insurance.

 

Lost income cover

 

Unfortunately, if you fall prey to an accident that forced you to shut your business down for a considerable period of time, the lost income cover will come to your rescue.

 

How much does insurance for retail businesses cost?

 

The cost of retailers’ insurance varies from one service provider to the other and depends on the policies you choose along with the extent of coverage. However, the size of your business, operation type, location, as well as claim history, if any, and other such factors are taken into account when deciding the premium amount. Therefore, it is highly advisable to discuss all of these with your insurance provider before choosing any policy. Otherwise, you might end up picking a plan that’s not sufficient for you.

 

Do not forget!

 

Last but not least, insurance plans for retail business are probably the most crucial investments for retailers. Also, choosing the plans that work best for you can help you continue with your business without having to worry about the possible liabilities. Plus, choosing the right insurance provider has its own perks, including seamless services, a wide range of products, quality customer assistance, affordable plans, and packages, among others.

 

So, what are you waiting for? Search online and find a list of insurance providers operating in your state, do a comparative analysis, and choose the one that works the best for your retail business.

Get Woodwinds Insurance And Stay Financially Protected During the Pandemic!

 Your daughter is a woodwind instrument player. She has been a part of her high-school quintet for three years and has participated in many noted events and competitions. Everything was going well, and then came the pandemic followed by shutdowns. However, now when things are getting slightly better, her tiny band wants to resume practicing. However, given the current global health scenario, is it a good idea to play woodwinds with other band mates?

 

Do you find the above scenario similar to yours?

 

Are you a parent with the same thoughts running in your mind? Do you wonder - do woodwinds instruments spread the corona virus? You are not alone. Thousands of families have the same question, and it is quite understandable. So, let's discuss this topic a bit more.

 

Do playing woodwinds increase the amount of aerosols in the environment?

 

The first thing that comes to mind when it comes to playing a woodwind instrument is when you play it, say a flute, piccolo, or a trumpet, you need to blow into it forcefully. In light of what various reputable health organizations, like WHO and CDC, have been saying for a long, i.e., besides sneezing and coughing, talking loudly, and even singing can increase the level of corona virus load in the environment, it's better to avoid playing woodwinds, especially outdoors and in groups. Also, make sure that you have Woodwinds Insurance to avoid any unnecessary hassles.

 

What do studies say?

 

According to a recent study conducted by the University of Minnesota, musical instruments, especially wind instruments, are considered to be one of the many sources of aerosol production that eventually leads to a viral transmission.

 

Moreover, singing, talking loudly, and blowing forcefully through wind instruments are likely to produce as much as 104 times more aerosols in comparison to speaking or breathing. So, unfortunately, if a woodwind player is COVID-19 positive and asymptomatic, he or she can be a super-spreader of the virus.

 

And, if you do not have Woodwinds Insurance, you are likely to land yourself in financial troubles if someone acquires the corona-virus infection from you being an asymptomatic spreader. Therefore, it is highly important to have a proper and instrument-specific insurance plan handy.

 

Won’t health insurance come to your rescue?

 

What if you already have a health insurance plan? Dear reader, your health insurance plan is for safeguarding you financially in case of a health or medical emergency. However, it will not protect you from third-party liabilities and many other scenarios that only musicians can relate to. So, it is crucial to get a musical instrument insurance plan.

 

Isn't there a way out?

 

Although playing woodwinds in groups or quintets is not a great idea as far as the pandemic scenario is concerned, you should find a way so that the woodwind artists can practice while avoiding the possible risks. Some of the useful tips include:

 

●       Musical instrument players should maintain a physical distance of more than 6-feet while practicing.

 

●       They should not stand and play facing each other to minimize the risk of contamination.

 

●       They should practice in well-ventilated spaces while adhering to all safety guidelines, including open windows, using the best quality air filters, among others.

 

●       The safety guidelines also recommend that indoor practice sessions should not last longer than 30 minutes. So, you should also keep this in mind.

 

A little bit of precautions can go a long way

 

So, these are some of the most important things to consider if you, your kids, or anyone else you know wants to practice playing woodwinds instruments during this tough phase. Always remember, prevention is much better than cure. And, it stands true for health conditions as well as your musical instruments.

Music Dealer Insurance - The Brownie Points You Get With a Reliable Service Provider

You have always wanted to become a music dealer. And to operate your own musical shop has always been a big dream for you. And why not? For people who love music and want to stay connected with it, a music instrument shop is the best place to be. 

Finally, you are a music dealer now. So, you might be selling all sorts of musical instruments such as strings, woodwinds, brass instruments, and keyboards. You might also be selling a musician's must-haves like cases, mics, mixing desks, recording equipment, sheet music, and a lot more. Right? 

Well, have you ever thought about what's on the other side of this business? Have you ever thought about the problems that can break your business? We are talking about mishaps such as shoplifting, fire, vandalism, natural disasters, and public liability, among others. The crux of the matter is - did you buy a comprehensive Music Dealer Insurance yet?

While different policies have different features, choosing the best insurance provider has its own perks. Let’s take a quick look at the following pointers. It will help you understand the perks with a better clarity.

Tailor-made policies

As a music dealer or a music instrument shop owner or collector, you should not overlook the importance of having a standalone insurance plan for your store. So, choose a renowned service provider that offers tailor-made insurance policies for businesses like you. Their bespoke insurance plans designed for your individual needs can protect you and your shop in the best possible. 

Always remember, choosing the right insurance service provider is not only about insurance coverage. Customer-friendly insurance providers and their proactive team members are more than happy to help you with your queries and doubts because you are more than a monetary deal for them. They believe in a mutually healthy and long-term relationship. 

A flexible insurance plan

When it comes to being a musical instrument dealer, having the right set of inventory is crucial. However, depending on various factors, this listing can change. Therefore, it is imperative to choose or customize a Music Dealer Insurance policy that adjusts according to your changing inventory.

Professional expertise at its best

When you hire a reliable insurance provider with years of experience in the market, you not only get the best of their services but also their professional and technical expertise. Such insurance providers know the complex needs of this business. It helps them educate you about the possible perils and how you can protect your commercial well-being. Also, as these companies have worked for various clients with varied scenarios, claim settlement is more likely to be hassle-free and quick with them.

A partner to share your financial liabilities

If your music shop is set on fire or it has to suffer loss or damage due to any other reason, your insurance provider will partake in your financial liabilities so that your pocket remains safe. They are always at your service in the time of need so that you can rest assured.

Seamless customer support

When you choose a renowned insurance service provider, you also choose responsive and quick services. Their team of customer care professionals addresses your doubts and questions while making sure that you get exceptional customer service. And to ensure high-quality support, they make use of state-of-the-art tools and techniques. So, whether you want to file a claim, modify an insurance policy, or do an online payment, you can do that in a simple, quick, and fuss-free manner. 

So apart from different types of insurance policies, these are some of the services that you will get if you choose a leading and customer-centric insurance company.

Things to Consider When Investing in String Instrument Insurance

When you or your kid first decide to learn to play a string instrument, everything seems so exciting and wow. And as the string family is a big one, which includes violin, viola, guitar, mandolin, banjo, ukulele, electric bass, harp, and double bass, among others, you might get confused with exactly which member you should choose. 

Why not start your musical journey with the most venerable member of the string family that people call the paragon of classical music, the esteemed violin? No matter which music genre you are inclined to, the violin has been there almost everywhere for centuries.

One of the trickiest aspects of buying a violin is the price range that varies from $100, $10,000 to even more. With that price range, different sizes, configurations, and models, you might find yourself looking like a confused-buyer. However, going through this blog might help you with your confusion.

 

Rent or buy - which would be the right thing to do?

 

As a beginner, you might think that renting an instrument would be the right thing to do because you aren't sure about your commitment to it. Right? However, going the other way round, i.e., buying, makes a better option instead. Read on to understand why -

 

●       First of all, whether you rent a string or buy one, you need to make sure that you have enough String Instrument Insurance coverage. It's essential. So, it's better to spend your money on something that you can call your own.

 

●       Secondly, rental charges can add up this quickly in the long-term. And did you know that buying an excellently playable beginner-level violin is most likely to be less than a year's rental fees? Yes, you heard it right.

 

●       Thirdly, even if you buy an entry-level violin and take good care of it, the string is going to retain its value in the market. And if someday you want to upgrade it for an advanced version or trade it, you will probably get the best value. And, if your gear is insured, nothing could be better than that.

 

●       Fourthly, premium quality string instruments are likely to open-up (in terms of their voices) as they become old. So, it can also be an added advantage for you.

 

●       Last but not least, as far as rental instruments are concerned, they might have been through multiple hands before reaching you. So, being prone to wear and tear is quite natural. Always remember, you are also liable for any damage or loss to a rental musical instrument. However, if you have String Instrument Insurance from a reliable and reputed insurance firm, you will not have to worry about general liabilities.

 

Acoustic or electric - which would be your go?

 

Well, as you are buying a violin for a beginner, it is crucial to consider their music style and preference.

For example, if your daughter is in her teenage and she is learning to play a classical violin, the moment she will see an electric version, she is likely to fall for it. As you know it with kids, they are almost always wooed by technology and aesthetics. Right? In such a scenario, she will feel more motivated to try her hands on an electric one. So, keep the preferences of the player in mind while purchasing one.

The playing dynamics of both electric and acoustic violins are more or less the same. So, if you are wondering about transitioning from this to that, it won't be too hard.

 

To sum up

 

Although there are many more factors to consider when investing in a string instrument, including - categories, lengths, sizes, and accessories, the pointers discussed above can also impact your buying decision to a great deal. So, understand what you want from your gear and choose accordingly.

Find a Reliable Music Insurance Company and Save Your Day

 

 

If you own a musical instrument and you do not have standalone insurance protection for it, it is like riding a motorbike without a helmet or not fastening the seat belt while driving a car.

In simple words, with no dedicated insurance in place, you and your musical gears stay unprotected in case a disaster(s) strike. Now, if you think that your home insurance is already there and it will protect your instruments, and this is why you decided not to spend on buying a separate plan for it altogether. It is time to get a reality check.

Home insurance and your musical instruments

Although your home insurance plan will protect the gears, which you have included in the items-to-be-covered list, there is a catch here. And it's - you are unlikely to get comprehensive coverage with your home insurance. Therefore, it is highly advisable that you get a separate insurance plan for your musical instruments and accessories and stay hassle-free.

Besides, there are many other benefits of buying a standalone policy from a trustworthy Music Insurance Company. Let's take a quick look!

Benefits of choosing a music insurance provider

 

Get help with understanding your policy

 

When it comes to buying an insurance plan, the first thing you need is - sufficient and easy to understand information about the policies available with a given service provider. Right? Until and unless you know what you are spending on, it does not make any sense of choosing it. A reliable insurance provider makes sure that you get proper assistance while choosing a policy.

 

Easy buying procedure

 

Now, finally, when you have found the right insurance policy for your gears, it is time to buy that. With a company for which the customers are its priority, the process of buying an insurance policy is hassle-free and seamless. So, you are most likely to get quick price quotes online that you can compare and choose the most suitable insurance.

 

Get a policy that is easy to manage

 

Most customer-centric insurance companies allow their customers to make adjustments in their policies and manage renewals over a call. It makes the entire process pretty manageable.

 

Premium quick pay option

 

A reputed music insurance provider values the time, effort, and money of its customers. Therefore, they try to make the payment process simple, quick, and easy. And, what other than online payment makes the entire process seamless? So, all you need to do is use your card and make the purchase. If you are worried about the safety of your banking details, there is nothing to be worried about. Your safety is their priority.

 

Claim settlement - The most important aspect

 

As far as claim settlement is concerned, it is undoubtedly, one of the most crucial aspects of an insurance policy and probably, the most complicated, as well. However, when you have got the best-in-class customer services of a Music Insurance Company, you are in safe hands.

 

Unfortunately, if you ever need to file a claim and you do not have any idea about the same, you can talk to the customer service executives for help. They are friendly, proactive, and professional. And will be happy to help you through and ensure that your claim settlement process is quick and you get the desired compensation at the earliest.

 

So, now that you are pretty much aware of the benefits of having a reliable music insurance provider by your side, why waste your time? Search the internet, do your research, and choose the one you find the most suitable.