Why Do Musicians Need to Choose a Music Insurance Company?

When your business and passion both revolve around music and musical instruments, there is something quite essential that you must address. It is to make sure of is to have an all-encompassing music instrument insurance plan.

With music gigs, venue bookings, sound checks, rehearsals going all year round, you need to keep unwanted stresses at bay so that you can give your best performance every time you play. Right?

Only a customer-centric and trustworthy Music Insurance Company can understand your stance and need to protect musical instruments.

Why specialized and not basic coverage for musicians?

Most professionals or amateur musicians rely on basic insurance coverage plans, such as renters or home insurance providers. However, musicians need a wide range of coverage. Unfortunately, basic insurance policies cannot provide the same. Therefore, specialized insurance tailored to their requirements and risks is imperative.

Such insurance policies can protect you from the perils and snares intertwined with a musician's life. Should an accident happen, you can continue giving your best. An insurance provider dealing with musical instrument insurance plans knows the pitfalls and problems likely to cripple a musician. Therefore, they ensure all-around protection for you.

Prepare yourself for the unforeseen!

If you are unaware of the liabilities that are integral to the job profile of a musician, probably, you are unknowingly embracing colossal spends (out of your pocket). 

While you should hope for the best, you should make sure to arrange for the most unwanted and worst-case scenarios. And, hence, you need to choose the best Music Insurance company that offers complete coverage against professionals and public liabilities.

Factors on which the cost of policies depend

Most people ask about the cost of a standard musical instrument insurance plan and how it varies. Do you have the same queries? Well, the cost of specialized and dedicated insurance for musicians is likely to differ from one policy to the other and one service provider to the other. The factors on which the differences depend include the following:

●    The area where you or your band operates
●    The size of your band
●    The amount of insurance coverage you need
●    The amount of premium you are willing to play
●    The items you want to include under your policy

The best part with a reliable musical instrument insurance provider, you can customize your coverage according to your needs and preferences.

Easy claim settlement

Some people ask why specialized insurance plans and not a rider on a regular one. The answer to this question is - when it comes to filing a claim till its settlement, a musical instrument insurance provider will understand your needs better than anyone else. This way, they can help you with quick claim processing and reimbursement. As they deal with such cases, they can better understand your position and process the claim accordingly. However, a home insurance provider might not understand the gravity of such situations.

How can you get a musical instrument insurance plan?

Getting your copy of the insurance policy is as easy as a child's play with a reputed music insurance provider. All you need to do is follow the given pointers:

●    After you have selected a couple of prospective music insurance companies, ask for free quotes. An experienced and friendly insurance provider will provide you with the same instantly.

●    Once you have leafed through their websites and price quotes, perhaps you will get an idea about who could be the right choice for you.

●    Make sure to read out customer testimonials and reviews about the company.

●    Also, check all relevant documents properly, including license, permissions, membership with music associations, certifications, and credentials, before tipping in on an insurance provider.

What Does String Instrument Insurance Policy Cover?

Musical instrument insurance is imperative. Going further, you will learn about the various aspects of the same. Keep reading!

Have you lost your string instrument to an accident lately?

Your professional graph should not flicker just because of your musical instruments. Your home insurance policy is least likely to cover professional perils and paid performances. Therefore, you should make sure to protect your gears as much as possible. Some of the most crucial things that you need to keep in mind when handling musical instruments include the following:

●    Make sure to keep your gears along with you when not performing or rehearsing.
●    Make sure to keep them secured in a professionally designed case when you are not using them.
●    Make sure to keep your workspace neat and clean to avoid accidents.
●    Make sure to go for a specialized insurance policy, like String Instrument Insurance or Brass Instrument Insurance, etc., which covers musical gears used for professional use and provides you with rental coverage during a compensation claim.

This way, you can close the chapters related to catastrophes and play your musical instruments soulfully. So, what are you waiting for? Ask for free quotes from the insurance provider you intend to choose.

Are you worried about your string getting old and broken?

As far as life is concerned, uncertainties are somewhat intertwined with it. Isn't it? No matter how hard you try, sometimes accidents get inevitable. And, if you accidentally broke your string, remember one thing. Usually, home insurance policies do not extend coverage to broken musical gears. So, besides getting an adequate String Instrument Insurance plan that will cover all risks, unlike your home insurance, you should also do the following things:

●    Always have an idea about your surroundings and the possible risks which could damage your musical instruments.

●    Make sure to keep your string instrument in a temperature-controlled environment.

●    Ensuring low humidity is also essential as some gears are prone to breakage when kept in a hot and humid setting.

Is your musical instrument safe from thieves and burglars?

Miscreants are everywhere. What if a thief has been eyeing your musical instruments to make some quick bucks? It is to remind you; your home insurance plan is less likely to cover your string if it has been stolen from the outside of your home. Here are some quick tips to help you protect your gear:

●    Make sure to be watchful and vigilant about your surroundings.
●    Make sure to lock all your musical instruments safely and keep them out of the easy-to-access zones.
●    Buy a specialized insurance plan that will cover your gear inside out.
●    You can also use an RFID (Radio Frequency Identification) tag or register your gear online with the maker/manufacturer.

Does your insurance plan cover the damages that might occur while traveling with your gears?

If you are a frequent tourer, you know how challenging it is to travel with your musical instruments. And, transport-related tragedies are pretty frequent. Moreover, your home insurance will not come in handy when it comes to covering such incidents. So, what should you do now? You can follow the below pointers:

●    Before making your reservations, make sure to learn about the airline policies and the rules and regulations under TSA (Transportation Security Administration).
●    Do remember to pack your gear in a sturdy case.
●    If possible, try to keep the gears with you.
●    Make sure to buy an insurance plan that covers transport-related problems.

After going through this content, you probably know what all a string gear insurance policy covers. So, without making any more delays, ask for a free quote and get covered now!

Understanding Brass Musical Insurance and How It Protects You

Whether you are a large group of professional musicians, a small band, or a solo player, protecting your musical gears and all sorts of things that complete your paraphernalia is likely to be a chief concern. And if you own a musical ensemble comprising brass instruments, this concern happens to double. Right?

You know you may need more than home insurance!

You have adequate home insurance cover. However, somehow, you have realized the crux of the matter. It is - home insurance policies are great for protecting your home but not your brass musical instruments and other stuff you own. Therefore, comprehensive musical instrument insurance tailored to your needs is a must-have for you.

Go instrument-specific to get the best benefits!

As far as brass-made musical instruments are concerned, the type of instrument-specific cover you need should provide all-inclusive protection to your gears as well as the accessories, including lyres, mouthpieces, stands, mutes, and even sheet music. This is where Brass Musical Insurance and a good insurance provider (that to bank upon) come into play.

What all coverage features are you likely to get?

●    Breakage cover: If you happen to break your instrument, it will ensure covering the cost of repair of your gear.

●    Earthquake cover: If you damage or lose your brass gears to an earthquake, it will compensate for the cost of damage repair or replacement.

●    Flood cover: Similarly, if your musical instruments are damaged or lost due to flood, your insurance policy will cover you for the cost of replacing or repairing, whichever is needed.

●    Coverage for replacement gear: This feature ensures covering the musical instrument you have rented or borrowed because your ones are being repaired. 

●    The difference in value: This feature makes sure that you are covered for the difference in the value of your gears before and after the loss.

●    Right to repurchase: What if the musical instrument you lost or was stolen has been found? It is obvious that most of the musicians would want their gear back. In such a scenario, you have the right to repurchase it for the same price that you got as compensation for that loss. Not all insurance providers have this feature. So, check beforehand.

●    Keep the un-damaged parts of instruments: Customer-centric insurance companies understand the sentimental value of the musical instrument owners towards their gear. What if you wish to keep the un-damaged parts of your brass ensemble? A reputable and experienced insurance provider is likely to allow you to keep the same.

What qualities/features make an insurer stand apart?

Although you will find many in your state, insurers dealing with musical instruments are likely to be a handful. And, out of this handful, everyone is more likely to claim to be the best. Right? So, how can you find a reliable Brass Musical Insurance provider? Well, when it comes to choosing an insurance company, you should look for the following features:

●    Years of experience in the industry: When an insurer has got years of experience, they will understand your problems well and come up with the right solutions.

●    Look for endorsements: Make sure to check how many endorsements an insurance provider has. When a company has gained many exclusive endorsements from various noted music associations, you can rely on them for sure.

●    Expertise in claim settlement: When a company is in business for many decades, its understanding of compensation claims is unmatched. So, in case you file a claim, it is likely to be resolved fairly.

Now that you know the coverage options you are likely to get and the main features that make an insurance company stand out, get your policy copy right away and keep making good music.

Piano Instrument Insurance and Its Coverage

When you play it, you should also know how to protect it. Yes, it is about your musical instruments. These music-making machines are of different types, including strings, woodwinds, drums, percussion, brass, piano, and keyboards. And for each of these family of instruments, there are many instrument-specific insurance plans which ensure the complete protection of the gears.

Do you own a piano? If yes, then you are likely to find many insurance providers in your state that insure all types of musical gears, accessories, and related equipment. Whether you own an upright model, a grand piano, a harpsichord, or a digital one, an all-encompassing Piano Insurance will cover all.

Piano and keyboard insurance plans available with reputed insurance providers are tailor-able and can be made according to your unique requirements. A decent insurance plan will protect you against accidental damage, loss, theft, and many other unwanted scenarios. Also, whether you are a piano teacher who gives lessons at your home or a touring artist with gigs to go all around the year, there is an insurance plan for everyone.

What coverage options are available?

Let us have a quick look at the extent of coverage you are likely to expect with a comprehensive insurance plan for your piano:

●    Full professional coverage: A customer-centric musical instrument insurance provider will cover you no matter if you are semi-professional, a full-fledged touring professional, a music teacher, or a crew member of a band. This vastness of professional use coverage is unlikely with a home or renters' insurance plan.

●    Rental gear coverage: Customer-friendly insurance providers know - for a musician, what it could be to be without a musical instrument regardless of the period. Therefore, they are likely to pay for the rental gear if your piano is damaged, lost, or stolen.

●    Accidental damage or loss, and theft coverage: Irrespective of how careful and vigilant you are towards your musical gears, accidents are sometimes inevitable. You can accidentally bump into it and break the keys, or miscreants can break into your house or car and steal it when you are not around. Most importantly, your home insurance plan is least likely to play anymore here. However, dedicated Piano Insurance will have your back.

●    Transportation damage coverage: You may happen to book your musical instruments with a transportation service provider and find that it has been damaged on the go. In such a scenario, an instrument-specific insurance plan will come in handy and cover you financially. If you rely on your home or renters' plan for this, you are most likely to land in rough waters.

●    Public liability coverage: Public liability or third-party liability safeguards you against the cost of a compensation claim if someone (a third party) is hurt, injured, or his or her property has been damaged with you as the party at fault. In such cases, you should better not consider your home insurance as your savior.

Besides all the coverage options mentioned above, dedicated musical instrument insurance plans also cover accessories, including sheet music, stands, mics, etc. You are less likely to expect this level of protection otherwise. So, before things go out of control and you are left with no insurance at all, make sure to get in touch with an insurance provider and get your copy now.

Plan ahead and stay safe!

So, these are some of the most crucial insurance coverage options you are likely to get with a comprehensive and instrument-specific musical instrument insurance policy. If you are a musical instrument owner, getting this plan should be your top priority because accidents always come uninvited. So, planning ahead is always a good idea.