Types Of Insurance Coverage Some Piano Instruments May Need

Many households in the US have pianos sitting right in the center of their living rooms. Some people play them as a hobby. Some are professional pianists, while some have got theirs as a part of their family legacy. Some people also have in-home music recording studios housing many musical instruments, including the piano. It goes without saying that pianos are expensive. And the cost of repairing or replacing them may also burn holes in your savings.

In light of the expenses involving buying or repairing a new piano if it is damaged, many musical instrument owners think - it is necessary to purchase a separate Piano Insurance policy, or can they count on their home or renters insurance plan to cover the same?

Although the latter (home or renter insurance plan) covers musical instruments in case of damage, there are some crucial pointers that you should be aware of. Your home insurance plan, like most non-specific plans, is likely to cover your piano up to a certain value, a limited one. And it often does not cover accidental damages.

So, if your piano is highly-valued, make sure to buy it a dedicated insurance plan instead of considering your home insurance. Your musical instruments need more protection than you think they need. And, in case you fail to get it the same, you are more likely to end up hitting a rough patch if something happens to your gears.

Let us find out the type of insurance coverage your piano may need. Keep reading.

Public Liability Cover

If you are a paid performer or a professional musician with the crowd all around almost all the time, you should not ignore the importance of public liability cover.

For example, an organization hired you to perform in a public gig. While everything was going well, someone from the audience got injured. It was due to an amplifier falling over his head out of the blue. Even if it was an unfortunate accident, you were held responsible for the mishap, and the third party (the injured person or his family) filed a compensation claim against you.

Counting the cost of medical bills and legal fees can be detrimental to your finances. It is where public liability cover comes into play. This cover will take care of all the expenses incurred due to the given accident. You will not have to shell out even a penny out of your pocket.

Also, it is a misconception that only professional piano players or musicians need this cover. However, the reality is everyone who owns a musical instrument should consider getting the public liability cover.

Property Damage

Picture this: Scenarios #1 There is a minor fire in your home. You may not learn or realize later on that your piano also suffered considerable smoke damage caused due to the fire.

Scenario #2 A tree fell on the roof of your home while damaging some portions inside your home, including the grand piano.

Scenario #3 A water pipe in your kitchen suddenly burst, causing the water to flood several areas of your home, including the piano corner.

These are some of the many scenarios that may cause severe damage to your musical instruments. And as a piano is a very sensitive musical gear, it may suffer loss or damage easily. Therefore, it is highly advisable to have a separate musical instrument insurance plan for your piano instead of considering your home insurance only. Your home or renters insurance is less likely to cover your gears comprehensively. So, after something bad happens and you feel incompletely covered, it is better to buy an all-encompassing coverage.

Transportation Cover

Your home insurance plan is least likely to compensate for the expenses incurred due to transportation damage to your gears. However, such accidents are very common where your musical instruments get damaged, misplaced, stolen, or lost while in transit. What would you do if something like this happened to your gear? What if your piano is damaged while in transit? Repairing or replacing could be super-heavy on your finances for sure. And you already know that home insurance plans do not cover such cases. So, only a dedicated musical instrument insurance plan can become your savior here. It will cover your musical instruments for all kinds of damage or loss.

Loss of Income Cover

What if you are a musician by profession and it is the only source of your income? What if the musical instrument that holds the center stage of your performance is damaged, affecting your livelihood? Your home insurance will not cover such scenarios. However, a dedicated Piano Insurance plan will cover loss of income.

New Insurance Policy Benefit for Woodwinds Instrument

Did you buy a woodwind instrument recently? Did one of your musician friends advise you to get a musical instrument insurance plan to protect your gear? And, now, you are wondering what an instrument-specific cover is and whether you should buy it or not. So, you thought of seeking word-of-the-mouth recommendations from the people who you believe can help.

If you ask for word-of-the-mouth recommendations, most people are likely to suggest adhering to your homeowners or renters insurance plan. While both these insurance policies cover your musical instruments, the extent of coverage is most likely to be limited. And being a musician, you would surely do not want partial coverage. Right?

Although you can increase the range of coverage by including an add-on to your home or renter insurance, it is worth choosing a dedicated musical instrument insurance policy for complete coverage and mental peace.

Light on your wallet and mind

An instrument-specific insurance plan, like Woodwinds Insurance, offers several benefits to the policyholders that surpass any other coverage plan. It renders peace of mind to the policyholder and a sense of relief to the wallet. As a musician, there are already many things on your dish to take care of. Isn't it? Right from working on the sheet music to scheduling musical gigs, you have to multitask almost all the time. Right? Having an insurance plan in place helps you take off the pressure from your shoulders.

Covers accidental damage

In case you have damaged your woodwind gear accidentally, a standalone musical instrument insurance plan from a good insurance provider will compensate you for the replacement or repair of the same. However, your home insurance plan is less likely to cover any kind of accidental damage. 

Protection from theft

Does protection from theft mean your musical instrument insurance plan will protect your woodwind from being stolen? Does it mean that it will prevent the theft of your musical instruments? Well. No, an insurance plan cannot prevent an accident. However, it can cover you against the consequences of such accidents. It will help you buy a new one or a replacement instrument without shelling out a penny. Remember. Your home or renter insurance plan might not help you get this extent of coverage.

Covers elements of nature

Musical gears, whether woodwinds or strings are delicate. Elements of nature, such as fire, thunderstorms, flood, among others, can cause considerable damage or loss to your musical instruments. What if your flute suffers water damage due to a flood in your area? What if someone torches your home while damaging your belongings, including your musical instruments? A Woodwinds Insurance plan will pay you for the cost of repairing or replacing your gear, unlike your home insurance plan.

Covers the cost of your musical instrument

Musical instruments are available in different price ranges. These may cost you somewhere between $10 to several million dollars. If your musical instruments are damaged or lost during an accident, your musical instrument protection plan is likely to cover the cost of your musical gear. However, your home insurance plan is likely to cover only a part of your investment.

Covers public liability

Public liability cover protects you against the possible risks of liabilities set by medical bill claims and lawsuits. If a third-party file a lawsuit against you for medical bills and legal claims, your musical instrument insurance plan covers you. However, your home insurance plan does not cover public liabilities no matter what.

Covers transportation damage

Are you relocating to another state, or are you a touring artist who has scheduled musical instruments for shipment to a new place? What if your musical instrument suffers damage or gets misplaced while in transit? It goes without saying that your home insurance plan will not come in handy in such cases. However, if you have a dedicated musical insurance coverage plan, you can rest assured. Your insurance provider will take care of all the expenses pertaining to your damaged or lost musical gear.

The final words

So, when you can avail a range of protection benefits with a musical instrument insurance plan, it makes sense to get on for your musical instruments too. If you are looking for a detailed insight into it, find a reputable insurance company to delve deep into various aspects of getting a musical instrument insurance plan.

5 Lesser-Known Facts About String Instruments

String musical instruments, also known as the chordophones, are celestial. The sound they produce when the player strikes the strings is utterly divine. No wonder strings are some of the most loved families of musical instruments. Do you play the violin or any other string? Did you know there is so much fascinating to learn about these gears?

In this blog, we will talk about some of the most interesting and lesser-known facts about stringed instruments. After going through it, you may have to consider your decision of buying String Instrument Insurance for sure. Have a musical read!

1.    Where did the violin come from?

The roots of string musical instruments span back to the ancient Greek period. At that time, there were different types of string gears, including the lyre, harp, psaltery, and phorminx. Some of these instruments were played using the bow like today. However, the shapes of the gears were way more different from what we see these days. Moreover, when and how these gears transformed into the modern-day stringed instruments, this fact is somewhere lost in the pages of history.

Supposedly, the bowed musical gears we see today were basically the evolution of the European musical instrument-making organizations back in the 16th century. It was regarded as the Golden Era of Violin Making. The foundation of the noted Cremonese School, Italy, was the pioneer in this field. The Cremonese School of luthiers first came up with the Amati design. It became the source of the designs created by the great violin-makers, including Antonio Stradivari, Gaspar d’Salo, and Giuseppe Guarneri.

2.    Did you know a good deal of wood goes into crafting a string musical instrument?

Irrespective of the musical instruments (whether it is a cello, bass, violin, or viola), instrument makers use around seventy pieces of wood for crafting a string. The neck, ribs, and back of the gear are made using maple wood. Maple wood is rigid. The top of the string is carved out of spruce wood. The spruce is softer than maple and helps create a much stronger tone than others. For fingerboard, chin rest, pegs, and tailpieces, rosewood and ebony are generally used. These woods add to the longevity of the strings.

For some people, especially newcomers, some parts of a string instrument may look just ornamental with an aesthetic appeal and not functional. However, the fact is that - every bit of wood that goes into making a gear plays a crucial role in the quality of sound produced by the instrument.

For example, you may consider the soundpost of a stringed instrument. At first look, you may think it is a simple dowel made up of spruce wood sitting between the back and top of the gear. However, did you know a string instrument without the soundpost is nothing? It is that part of a string that helps in sound production. In Spain, the soundpost is called the Alma (soul) of the gear.

3.    What's in the finish?

The finish of a violin decides the quality of sound production. Earlier, when synthetic finishes, such as aniline dyes and polyurethanes, were not available, luthiers used the natural elements. Needless to mention, but the synthetic dyes are easy-to-apply, dry-fast, and durable. However, in the early days, varnishes were oils (thickened) with a couple of additives for color. Surprisingly, luthiers had to collaborate with pharmacists for the same. Yes, you read it right.

Quite often, luthiers took the help of the pharmacists to determine what components or minerals should be added to the dye to impart the expected color. These varnishes allowed the gear to vibrate and produce sound without any confinement. Till now, it remains the same, except for the synthetic versions. So, you are wise enough to understand the importance of the finish in violin making.

4.    Why the purfling?

Do you know what purfling is, and is it so important? You will find purfling, a decorative border, on the sides of a stringed instrument etched on the top and sometimes on the backplate. This design may seem absolutely ornamental. However, the reality is something different. Purfling is done with many practical applications in mind. Take a look:

●    Firstly, it binds the back and top of the gear.
●    Secondly, it helps prevent cracks due to humidity and temperature changes.
●    Thirdly, it supports the sides of the gear and guards them against damage due to minor dents and bumps.

Such an intricately designed instrument indeed needs String Instrument Insurance for better protection.

5.    What role does graduation play?

Do you know what graduation is? It is a process in which the luthier thins the back and top of a stringed gear. Although it consumes a lot of time, it ensures quality sound production. Each slice of wood removed from the top and back of the musical gear changes the sound of the finished string. Probably, this is why musical instruments are called the amalgamation of physics and art.

7 Qualities that Sets a Music Insurance Company Apart

Buying an insurance plan for your beloved musical instruments is a big decision and an investment too. Therefore, having the right insurance provider by your side is crucial. So, how to figure out whether the insurance company you intend to choose is worth it or not? It can be a bit taxing to decide. However, do not worry. After going through this article, you will have a clear idea about the qualities of a reliable insurance provider. Plus, you would be able to decide on the most suitable one to meet your music insurance needs. Let's get started.

Qualities of a good music insurance provider

1.    Customer-oriented: What is the main reason you look forward to buying a musical instrument insurance plan? It is to get adequate coverage and support. Right? So, a Music Insurance Company should be able to help you with your needs and ensure best-in-class coverage and seamless customer care. You may read customer reviews and testimonials to understand how customer-oriented an insurance provider is.

2.    Credibility: It is one of the most important qualities of a musical instrument insurance provider. A trustworthy insurance company is committed to its clients and lives up to their expectations. Some vital questions you should keep in mind while analyzing the credibility of an insurer include the following:

●    Does the company hold a good track record?
●    Is the company reputed enough?
●    Are its existing clients happy with the policies and services?
●    Do they fulfill their promises?
●    How long have they been operating in the market?
●    Do they have all relevant credentials and certifications?

3.    Financial standing: The idea behind buying a musical instrument insurance plan is to stay covered at the time of need and get peace of mind in times of distress. Isn't it? Therefore, you would want to make sure that your insurance provider covers your musical instruments if a stroke of misfortune strikes. Therefore, fathoming the financial standing of your Musical Insurance Company is extremely important. Ensure looking for the following:

●    Do they compensate against claims proactively?
●    Who is in their underwriters' team?
●    Do they have a good claim history?
●    Are they financially well to do?

4.    Customer assistance: The customer service team makes the lifeline of an insurance company. A customer, whether existing or prospective, may need help regarding insurance anytime. In such cases, customer care representatives come in as saviors. So, a good insurance provider is likely to have a proactive customer service team. Some of the best features of a good customer service team include the following:

●    24/7 helplines
●    Multilingual staff members
●    Knowledgeable and soft-spoken executives
●    Come with the right solutions

5.    Quality products: Leading musical instrument insurance providers make sure that their products are up-to-date and competitive. They amend and improve their insurance plans according to the needs of the customers and industry trends. Some questions to consider in this context include the following:

●    Does the insurance company you intend to choose offer flexible and customizable options?
●    What is the extent of coverage of their policies?
●    Do they offer automatic renewal?
●    Do they offer quick and hassle-free claim settlements?

6.    Transparency: Brainstorming and deciding on a suitable musical instrument insurance plan can be a challenging chore. Therefore, an insurance provider should maintain the highest level of transparency and clarity, pertaining to communication, pricing, and their terms and conditions. Plus, they should also be able to answer customer queries in the best possible manner.

7.    Value for money: Musical instrument insurance is crucial for every musician and musical gear owner. So are the premiums of their insurance plans. Right? Therefore, a reliable and customer-friendly insurance company would always make sure that its customers get value for money. You may ask the following questions:

●    Do they provide discount offers on their premiums or renewals?
●    Do they have any special offers for vintage musical instruments?
●    Do they offer no claim bonus?
●    Do they increase their premiums over time?

The bottom line

These are some of the fundamental qualities you should look for in a Music Insurance Company before buying a suitable insurance plan. When a service provider lives up to these qualities, you can trust them. However, make sure to do thorough research while keeping the above pointers in mind. After all, it is about the safety of your musical instruments.

How Music Recording Studios Came to Life?

Recording facilities were not there since time immemorial, where people could go and live their musical dreams and fantasies just like that. With the advancement of technology and the evolving needs of the people, the concept of recording and playing back came into existence, and recording studios came to life. And, now, studios have become an indispensable part of the world music scenario.

The history of the recording studios

Let us walk through the pages of history and look at how music recording studios in the US flourished and became what they are today.

The first notion of recording

The notion of music studios first came into being when the great American inventor Thomas Alva Edison invented the phonograph in 1877 at the Menlo Park laboratory. The phonograph was a device for improving the sound quality of the telephone. It featured foil-made cylinders and was designed to record sounds.

The advanced version of the phonograph

Soon after the invention of the phonograph, Emile Berliner (a German-born American inventor) developed a way to produce recorded discs in mass. This invention made way for musicians and artists to get their pieces recorded. 

The appearance of sound boxes and the first recording studio

In the year 1889, sound boxes with the feature to reproduce the recorded works were invented. Furthermore, in the year, the first-ever music recording studio opened its doors. It was named the New York Phonograph Company.

The phase of evolution

Within the next 20-years, many music recording studios were founded in the US. They used wax discs for producing records. Furthermore, triode replaced the hand-cranked Victrola by the beginning of the 20th century. It changed the entire landscape of the music industry.

The phase called ‘Never Looking Back

After electronically recorded music became a hot cake in the music industry, Western Electric started using microphones and amplifiers for the purpose of recording. It was a game-changer in the scene of global music.

In the middle of 1900, recording studios began the use of magnetic recording tapes. The best part was - now (at that time), technicians can edit the recordings. Soon after magnetic recording tapes came to the market, multi-track recorders were developed. It allowed the audio engineers to mix various music tracks taped at different time intervals.

The journey from analog to digital

In simple words, from analog to digital, music and music recording studios have evolved a lot down the line. Now, recording studios are equipped with avant-garde technologies and devices that cost millions. Therefore, if you own a music recording studio, having Recording Studio Insurance in place is a great sigh of relief.

There is a range of services that music recording studios offer. These include the following:

Recording

You can define recording as an electronic, mechanical, or digital re-creation and inscription of sound waves. These can be in the form of voice, songs, sound effects, and instrumental music, to name a few. There are two types of music recording technology - analog and digital.

Mixing

As the name suggests, mixing refers to the process of combining multiple tracks and records into one or multiple channels. During the process of mixing, the volume level of the source audio, its frequency content, panoramic positioning, and dynamics are manipulated and improved.

Mastering
 
It is a form of audio post-production. In this process, the recording audio is prepared and transferred to the data storage device from the source with the final mix.

These are the main services. There are many other services associated with a music recording studio.

Get insured

It goes without saying that to have these above-mentioned processes in place and ensure that each and every component in the studio is working as great as new ones, studio owners need to take proper care of the same. Plus, maintaining an entire studio with the entire paraphernalia is an expensive feat. So, only comprehensive Recording Studio Insurance can help the studio owners to keep all the perils and related financial woes at bay.

You will find many musical instrument insurance providers in your state. All you need to do is select a reliable, reputable, and experienced service provider who will take care of all your insurance needs properly.

Brass Musical Instruments - Fascinating Facts You Must Know

Are you a trained musician or someone who loves music and makes sure to keep themselves updated with all the related aspects of music? If so, then you are pretty familiar with the brass family of musical instruments.

So, do you know what is so unique about brass musical instruments?

Let us keep reading to unfold various random yet crucial facts about brass musical instruments.

Brass musical instruments - The uniqueness they possess

As the name suggests, brass musical instruments are essentially made up of brass metal. Musical instruments, which belong to the brass family, play louder than other musical gears in the orchestra. And, therefore, you can hear their sound far away from the place they are being played. The progenitors of this family were carved out of shells, tusks, wood, and animal horns, to name a few. However, modern-day gears are completely made of brass.

Brass instruments come with long cylindrical pipes with wide bell-shaped ends. These pipes are twisted and curved into various shapes that make them easy to grip and play with.

Brass gears are similar to woodwind instruments because the instruments that belong to both these families use the breath of the players to produce sound. However, when it comes to brass musical instruments, the players do not blow into the reed. Instead, they vibrate their lips. They do this by buzzing their lips against the mouthpiece of the instrument.

The mouthpiece of a brass gear is a cup-shaped structure that allows amplification of the humming sound of the lips resulting in the production of sound. Most brass musical instruments come with valves fixed to their pipes, and they appear like buttons.

When the players press the valves, the latter opens and closes the different regions of the pipe. It is how the sound and pitch of brass instruments are changed. Some of the most common brass instruments that are a part of the orchestra include the tuba, Fresh horn, trumpet, and trombone.

With such an intricate design, most brass instruments need proper care and maintenance from time to time. And, another crucial aspect related to musical instruments is - they also need comprehensive insurance coverage. In the case of brass-made gears, it is the Brass Musical Insurance policy that no musician should ignore.

Did you know what materials were the first horns made from?

Well, if your answer is brass because we are talking about brass-made musical instruments, then your answer is wrong. The correct answer is - animal horns and conch shells. And, initially, they were not made for creating music but for making hunting calls.

Some more fun and lesser-known facts about brass musical instruments

●    Trumpets first came into being around 1500 BC. At that time, they were not used for music for entertainment but for religious and military purposes. Also, earlier, the trumpets did not have valves. The latter was added later on in the 19th century. It made playing them easy and hassle-free.

●    Ludwig van Beethoven, one of the most-loved composers in the world of Western music, introduced the trombone in his famous composition, the 5th Symphony.

●    Have you ever seen marching bands? If so, then you may also have seen many musicians playing tubas. The tuba they play is of a different variety and is known as sousaphone. It is easy to carry.

●    The first tubas were manufactured in the 1820s. However, at that time, they were not made with precision, and the musicians found it hard to play. However, as soon as the modern tubas came to the market, it brought a sigh of relief among the band leaders.

A friendly reminder to brass instrument players and owners!

Hopefully, you liked the given facts about brass musical instruments. So, now you can imagine one thing. When a family of musical instruments has such solid and rich roots, they have to be priceless.

However, when you buy them, you need to pay the price. Isn't it? So, how would you want to protect your investment in fortune?

You can easily do it by purchasing a dedicated Brass Musical Insurance from a renowned insurance company operating in your state.

Once you have the coverage of a suitable insurance policy, you can feel the difference between the level of mental peace before and after getting one.

Insurance Plan for Music Instrument Dealers & Repairers

When we talk about musical instruments, it is not only the musicians who need to consider having all-around protection for their gears and finances. People from other walks of the music industry also have their shares of concerns.

So, whether you own a musical instrument store or a musical instrument repair business, you need to make sure to protect it from the unforeseen aspects of life which pop up out of the blue. And for that level of protection, you need to buy comprehensive Music Dealer Insurance that works equally well for dealers, makers, and repair professionals.

As far as the music industry is concerned, it does not only comprise musicians and artists. It also includes many other professionals, including instrument manufacturers, sellers, and repairers. Therefore, an ideal insurance plan should be able to address every professional’s coverage requirement.

So, what is the appropriate extent of coverage that you should choose if you are a musical instrument dealer or repairer? Well, that entirely depends on the range of insurance protection you want or avail. However, the standard coverage that almost always works may include the following:

General Liability Insurance for Musical Instrument Dealers and Repairers

Apart from the inventory of musical instruments that you have stocked at your dealership, you might have other gears in your possession. Yes, it is those gears that were brought to your shop for maintenance and repair. What if a customer gets injured or their property suffers damage at your shop's premises? 

Some examples for you!

●    A visitor enters your shop to buy something. And she gets toppled over a heap of wires on the floor while breaking his arm.
●    You sent one of your employees to a customer's home to fix a piano. However, unfortunately, that employee happened to cause damage to the customer's property.
●    A customer sent his musical instrument to your workshop to get the same repaired. However, instead of repairing it, you accidentally broke it or caused more damage than before.

Probably, you know it well that you could be held liable for such accidents. Most importantly, in most cases, the party at fault (in these scenarios, it is you) is responsible for paying for the medical bills incurred by the third party. Also, the party at fault is bound to bear legal expenses if the third-party files a legal complaint. Healthcare and legal services are expensive and could rip your savings apart.

An all-encompassing Music Dealer Insurance covers you against third-party liabilities and also takes care of the compensation part.

Workers’ Compensation Insurance

If you operate your business in the US, Workers’ Compensation insurance is necessary if your staff comprises one or more workers (employees). As you deal with different types of musical instruments, some could be small while others could be large, your employees are always at the risk of getting injured. Workers’ compensation insurance for musical instrument dealers and repairers ensures that if an accident happens, your finances remain untouched.

Property Insurance

Musical instruments are prone to suffer damage due to a plethora of reasons, including natural disasters, theft, fire, vandalism, extreme weather conditions, and so on. All these events are likely to cease the operation of your business. Moreover, your inventory is among the most valuable properties you know. Therefore, you would always want to protect it from all sorts of perils. Right? Property insurance for musical instrument dealers and repairers can save you from all types of risks and allow you to stay tension-free.

Crime Insurance

What if an unscrupulous employee breaks into your computer system, bypasses all security screens, and steals funds from your account? It is an evident case of crime. Isn't it? If something like this happens in your dealership, crime insurance for musical instrument dealers and repairers will protect you.

The Final Words

These are some of the vital insurance plans for music instrument dealers and repair businesses. If you have not got your copy of the protection plan yet, make sure to get it as soon as possible. Always remember, you cannot see what's coming in the near future. Right? Therefore, the key is to stay prepared in advance.

An Overview on Musical Instrument Appraisals

It needs immense knowledge and experience to appraise the value of musical instruments accurately. Therefore, musical instrument appraisers play a vital role in the industry. A comprehensive appraisal report comprises various bits of information. Each piece of information is recorded, measured, clicked, reviewed, and tested for accuracy in data, including the history of ownership, condition of the gears, and identifying features.

With all the relevant information in place, a certified appraisal certificate is crucial and has legal importance. Most importantly, if an appraiser over or undervalued any musical instrument or puts incorrect information on the report, there can be legal consequences with financial penalties against them. However, sometimes, mistakes do happen. It is very much human. Therefore, if you are a musical instrument appraiser, make sure to get your copy of Insurance for Appraisers and protect your career and finances from legal and financial implications.

Some crucial information in an appraisal report

An appraisal report comprises many vital elements. It should read about the name of the customer and the effective date of the gear's value. Also, if a legal authority is going through it, you cannot expect them to have a fair idea of the technical terms associated with musical instruments. For example, they might not have any idea about what the first valve trigger of a trumpet or a guitar rod is. Right?

The meaning of all such technical terms should be there in the glossary section of the appraisal report. An appraiser should make sure about it. Let us take a quick look at what all inputs should be there in a standard appraisal report:

Type of value

The report must have the relevant one from the following types of values

●    Fair market value (one person selling the gear to another person)
●    Replacement value comparable (same make, model, and year)
●    Replacement value new (the retail value)
●    Liquidation value
●    Salvage value (the value of the parts that can be recovered or are recovered)
●    Scrap value (the value of the materials that can be recovered or are recovered)

Accurate description of the musical instruments

The report should present an accurate description of the musical instruments, including:

●    The dimensions or the measurements of the gear
●    The age and date
●    The name of the manufacturer
●    Identifying features
●    Materials
●    Logo
●    Condition of the musical instruments
●    Any marking
●    Value conclusion

Bibliography

An ideal appraisal report must also include the reference sources, including:

●    The name of the dealers
●    Publications
●    Industry experts
●    Auction houses
●    Other resources, if any

Glossary

A glossary is a must-have aspect of an appraisal report. It makes the report easy to read for the reviewer and the client.

Industry compliant report

The appraisal report or certificate must be in line with industry standards or USPAP (Uniform Standards of Professional Appraisal Practice) specifications.

The credentials of the appraiser

The professionals also need to present their work background, area of expertise, and appraisal qualifications. They need to make sure to be a part of a noted appraisal organization. Their credentials should mention the types of appraisal assignments they have completed successfully.

Where there is so much information to be included, an appraiser should make sure to buy Insurance for Appraisers from a reputable insurance company.

Now that you have got a fair idea about the profile of a musical instrument appraiser and why they need insurance, let us take a look at why musicians need to get their gears appraised.

Why should musicians keep their instruments appraised in the first place?

The life of a musician revolves around musical instruments. For some, their gears mean a world to them. Getting an appraisal will help you get the right value for your gear when you need it.

In simple words, if you do not appraise your musical instrument, you are willingly allowing your insurance provider to cover you for an old violin that happens to be a vintage article valued by musicians across the globe.

Similarly, there are many situations that you may come across in life that will make you feel the importance of getting your gear appraised all the time.

The most important thing - make sure to choose a good and experienced insurance provider. It will make everything, right from choosing a policy, buying one, and making a claim (if needed) as easy as a breeze.

Woodwinds Musical Instruments: The Overview and Types

Initially, the instruments of the woodwind family were carved out of wood. It explains the name on its own. However, today, due to advancements in technology, you will find woodwinds musical instruments in different types of materials, including wood, plastic, metal, or the amalgamation of multiple materials.
 
Parts of a woodwind musical instrument
 
Woodwinds are thin and narrow pipe-like structures that come with the following:

●    Holes on the body
●    A mouthpiece on the top portion
●    An opening at the bottom
 
When you blow air through the mouthpiece (here comes the wind that you might be wondering for long) and open and close the holes on the body with the help of your fingers, you get to change the pitch. In most woodwind gears, you will find keys cover that secures the holes.

 
Many woodwinds musical instruments, such as bassoon, clarinet, and oboe, have a reed (a piece of thin wood). This reed vibrates when you play them. The clarinet comes with a single reed made up of only one piece of wood, while the bassoon and oboe are double reed woodwinds.
 
Like string musical instruments, the woodwinds that are smaller exude higher pitches, while the large-sized gears almost always produce lower notes. Right from the highest sounding to the lowest sounding instruments, you have all the options. The names of the woodwind gears are here:
 
●    Flute
●    Bassoon
●    Piccolo
●    Flute
●    Oboe
●    Clarinet
●    English horn
●    Bass clarinet
●    E-flat clarinet
●    Contrabassoon, to mention a few.
 
If you are a musician and own any or many of the gears mentioned above, make sure to get yourself a Woodwinds Insurance policy for the ultimate protection from all the perils that may cross your way.

Now, let us learn a bit more about the different types of woodwind musical instruments!
 
An overview of different types of woodwind gears
 
Flute
 
When it comes to naming the oldest musical gear that not only produces rhythms but also pitches sounds, the flute always wins the race. Originally, flutes were made up of wood, clay, stone, or hollow things, such as bamboo. However, modern-day flutes are made from a wide range of materials, including gold, silver, and platinum. In an orchestra, the number of flutes can be 2 to 4. A standard size flute is a bit more than 2 feet in length.
 
Piccolo
 
If you are looking for the shorter avatar of flute, a piccolo makes the best choice. In the Italian language, piccolo means small. These musical instruments are half the size of a flute. And, they can produce the highest notes in all woodwind gears. You are likely to hear the high-pitched sound of the piccolo in marching bands and traditional drum troops.
 
Oboe
 
It is a 2-foot-long instrument that has a black cylinder with holes covered by metal keys. The mouthpiece of an oboe uses a double reed. The reed vibrates when the musician happens to blow through it. When the reed vibrates, it makes the air inside the body move. It leads to the production of sound. In a standard orchestra, there are generally 2 to 4 oboes, and they play different pitches. From warm and soft notes to haunting sounds, the oboe can produce various ranges of sounds.
 
English Horn
 
Although known as an English horn, this woodwind is not a horn. It is more or less like the oboe. However, it is longer and broader than the same. Due to its size, the English horn happens to produce a low pitch sound.
 
Clarinet
 
Apart from the mouthpiece that uses a single reed, one could easily confuse a clarinet with an oboe. These woodwind musical instruments come in various sizes. There are around two to four clarinets in an orchestra that play both harmonies and melodies.
 
Bassoon
 
The bassoon is made up of wood and comes with many keys. There is a bend in its pipe. It allows the musicians to play it in a comfortable manner. It is also a double reed gear that comes equipped with a rounded metal mouthpiece.
 
To sum up!
 
So, these are some of the most prominent members of the woodwinds musical instruments family. No matter which gears you own or intend to learn, make sure to buy a Woodwinds Insurance beforehand. An insurance policy will ensure that you keep creating good music, irrespective of any accident or mishap that may try to deter you in the days to come.

What Types of Risk Does Piano Instrument Insurance Cover?

Are you a professional performing artist or just at the beginning of your career? Regardless of your professional rank or if you are about to learn to play the piano, comprehensive protection is essential. Also, if you own one or got one on rent, getting a musical instrument insurance plan becomes necessary for you due to various reasons.

Reading through this content will help you learn about the reasons. Keep reading to know more!

Do you own a piano?

What if you have just bought a piano after shelling out a fortune? The question does not end here. There is more to it. What if it broke or got lost while in transit or after reaching the destination? Do you believe that your home insurance policy will pay for it? If you think so, then you might have to consider it again.

Won't a standard home insurance policy cover your piano?

A standard home insurance plan will cover your musical instruments as one of your belongings. However, musical instruments like piano are expensive and require a comprehensive cover that home insurance often fails to provide. Therefore, whether you own a piano, violin, bassoon, clarinet, or any other gear, you should choose an instrument-specific plan like a Piano Insurance policy for a piano or string instrument insurance for violins, cellos, and guitars.

What types of risks does a piano instrument insurance cover?

With a reputable and customer-oriented insurance service provider, all possible risks are covered under an instrument-specific insurance plan that otherwise goes uncovered. For your convenience, here we have rounded up the list of possible risks that piano instrument insurance covers. Let us take a quick look at them:

Theft, burglary, vandalism, and similar crimes

A comprehensive musical instrument insurance plan covers a wide range of crimes involving your musical instruments, accessories, and music recording studio (if covered). Also, if someone torches your home, damaging the assets, a dedicated music instrument insurance plan will make sure to protect your piano and other insured musical gears and equipment.

Loss or accidental damage

Here's to all those people who stick to their home insurance plan for covering their musical gears! Your home insurance plan is least likely to cover accidental damages to your instruments. However, a standalone Piano Insurance does cover the same. Some good examples include - water spilling on the keys, keeping heavy objects on the piano, etc.

Elements of nature

Rain, flood, earthquake, thunderstorms, and hailstorms, to name some, are some of the most common elements of nature that often cause damage to musical instruments. And, piano, being a bulky item, cannot be moved all the time. What if it suffers water damage due to heavy flooding in your area? Is it alright only to rely on your home insurance? Industry experts would say no! The best way to ensure comprehensive protection for your gears into getting a dedicated insurance plan for musical instruments. It will cover almost all risks that may cause damage to your musical instruments and finances.

Public liabilities

Being into the world of music often means being surrounded by people almost always. Whether you play the piano, give music lessons, or simply collect musical instruments, what if someone gets injured because of you? What if someone else’s property is damaged with you as the party at fault? Unfortunately, if something like this happens, your home insurance plan won’t make any sense because it will not cover you against public liabilities. However, an all-encompassing musical instrument insurance policy will protect you against the hefty medical and legal bills, if the third party seeks compensation for the loss or damage caused to them by you.

Loss of income

Sometimes, bad luck strikes us so hard that we fail to even meet our livelihoods. What if a recent accident at your studio led you to the doors of loss of income? You need not to worry at all because your musical instrument insurance will cover loss of income until you resume or as decided according to policy terms and conditions.

The takeaway

These are some of the most common risks that musical instrument insurance policies cover regardless of the gear you own. That is not all. Such policies also offer worldwide coverage. It is an added perk.

The Recent Trends in the Music Instruments Retail Industry

With the increasing popularity of online shopping, the retail industry has become more internet-oriented and digitized. To keep pace with the emerging trends, brick-and-mortar shops have started adopting the components of the online experience. It helps them to inspire shoppers to keep visiting their stores.

In simple words, the retail industry is coming across massive changes. With every passing second, customer behavior is evolving, and so are their expectations. Therefore, it is crucial for every retailer, small or large, to understand the main industry trends. It would help them make sure that their businesses achieve great heights of success.

So, here we have rounded up some of the top retail industry trends that every retail business should embrace to stay ahead of the competition.

Choose omnichannel retail approaches!

Spending on omnichannel strategies is one of the leading retail industry trends. According to various studies, an average consumer (digital) has around 3.64 connected devices. Most importantly, they happen to check with these devices before buying a given product.

Many customers are likely to check out a product(s) on their handheld device and make the transaction on their tablet. Or, they may look for a product(s) on their laptop and fetch it from an offline shop later. 

The omnipresence of connected digital devices indicates that the customers are looking for a seamless buying experience across various touchpoints. A portion of this kind of user experience begins with the mobile-first strategy. Therefore, every retailer should be present with their products and services across multiple channels.

Offer an individualized retail experience to your customers!

The personalized shopping experience is yet another trend in the retail industry. It means, as a retailer, you suggest options to your customers based on their location, preferences, previous and current searches, and order history, to mention a few.

For this, many retailers are using simple services, including chat-bots. These bots make more room for customer engagement, communications, and orders. This way, your customers feel more welcomed and valued. Plus, they can purchase the products they want without any hassle.

Get your business a mobile wallet!

One of the evolving retails and fintech industry trends is using mobile as a way of payment. According to a study by the Bank of America (with 1000 participants - adults with smartphones), as many as 91% of customers used their mobile phones (smartphones, to be precise) as companions in their daily lives. As per a recent survey conducted by Boston Retail Partners, the number of retail merchants who accept mobile payment options is on the rise.

Around 36% of retailers in the USA who participated in the survey said they receive Apple Pay, and around 22% said they are planning to go for it within 1-year. Besides Apple Pay, 34%, 25%, and 24% of retailers said that they accept PayPal, MasterCard PayPass, and Android Pay, respectively. Therefore, to thrive in the industry, every retailer should accept some or other or all online payment methods.

Get Retailers Insurance

All the trends mentioned above are here to stay, and every retailer should go with the flow to sustain and rise above the cut-throat competition in the market. However, the thing with trends is - they come and go. However, one trend that is not going anywhere for the years to come is Insurance for Retailers taken from a reliable insurance provider. This document has the power to protect your business from a number of possible risks, including natural disasters, theft, vandalism, damage, or loss of inventory due to transportation, and so on.

Besides, such policies also cover loss of income in case your shop has closed or is on the verge of closure due to an unfortunate event. Even if your shop is right under your home (that comes under your property), you should choose  Insurance for Retailers over your home insurance policy. The reason the former comes with a lot of benefits that you are unlikely to get with the latter. Also, when it comes to a retail shop, your home insurance plan will have multiple limitations. These limitations will lead to incomplete or no coverage at the time of need.

The final words

Now that you know about the latest trends in the retail industry and how important is an insurance policy for retailers. Do not delay and get your copy now.

Why is Music Studio Insurance Crucial for Your Business?

Music recording studio and the importance of having it covered under a suitable insurance plan is one of most talked about topics these days. So, before you delve deep into the matter, let us go through a quick picture of the standing of music recording studios in the United States of America. Here you go!

Quick factors about music recording studios in the US

●    Currently, there are over 4700 recording facilities in the USA.
●    Out of all the states of America, California has the highest number of music studios, standing at 931.
●    One out of four recording spaces has come into the business in the past five years.
●    Nearly 38% of all the music recording facilities report sales of over $500,000 annually.

Where do you stand?

Have you opened a new music recording studio? Or are you already one of the 4700 recording facilities operating in the USA? Both ways, your business has the potential to make a significant revenue in years to come. Moreover, owing to the development of advanced technology and avant-garde musical instruments and equipment, you are also likely to make a substantial amount of investment. That being said, you may also intend to safeguard this investment from all possible damage or loss.

Crucial factors to consider when buying a plan

There are a number of factors that you need to take into account when customizing a Music Studio Insurance plan for your business. These factors include the following:

●    Your music recording facility
●    The size of your business
●    The number of workers and patrons you have
●    For how long you have been working in this industry

Coverage options you may need

For the all-encompassing protection of your music studio, you may need to include the following coverage options:

●    Public liability coverage
●    Building property coverage
●    Personal property coverage
●    Loss of income coverage, to name a few

Moreover, there are many financial facilities where it is compulsory to have a specific sum insured in your plan when you make an application for loans to expand your business.

What about home studios?

So, what is the definition of a home studio or a home business? Any business that you operate from your home, the insured property, with the following features is a home business:

●    Run by you (the policyholder) or an immediate family member who lives in the insured property
●    Having no more than ten staff members, excluding distributors and independent contractors

What does an in-house business protection policy include?

An in-home business protection plan includes the following:

●    Around $1,000,000 liability cover for the musical instruments and equipment related to your business (includes both off and on the premises scenarios)
●    Around $100,000 BPP or business personal property coverage to shield your gears at home as well as when you are on location (temporarily)
●    A deductible of $250
●    Additional protection for securities and money

Why is recording studio insurance crucial for your business?

Music Studio Insurance is critical in the music industry. It will protect you from third-party lawsuits as well as damage or/and loss that might occur at any point in time.

Even if you rely on your home insurance plan to protect your studio and instruments, a standalone policy for your studio provides you with comprehensive protection, unlike any other insurance plan. After all, no matter how expensive your home insurance may be, there would be some limitations pertaining to music studios and instruments.

If you have any confusion or question in your mind that is holding you back from getting a dedicated insurance plan, you can seek professional assistance from a reliable insurance provider.

The representatives of a reputable insurance service provider will understand your needs, evaluate them, and provide you with an appropriate solution to protect your business from unfortunate situations.

What factors decide the amount of premium you need to pay?

Some of the determining factors include the following:

●    What are your gross sales (annual)?
●    Where do you operate your business?
●    What is the size of your property?
●    What is your experience in the industry?
●    What is the amount of sum insured you choose to cover your business?
●    Which insurance provider have you selected?

Now that you know about some of the crucial aspects of music recording studio insurance, make sure to get a comprehensive cover for your studio.

Benefits of Purchasing String Instrument Insurance

Have you rented your stringed gear, or is it a brand new one? Regardless of how and where you got your musical instrument from or whether it is an advanced level or a beginner level gear, high-quality musical instruments and equipment are more or less expensive. Their delicate and sophisticated make allows them to produce beautiful sounds. And therefore, it is worth investing in musical instruments.

However, how will you make sure that your investment is risk-proof? It is by buying a comprehensive String Instrument Insurance from a reliable source. An instrument policy is that piece of paper that will help you prevent the huge expenses you are likely to incur if your gear is damaged or lost.

Many people wonder, "if buying a dedicated insurance policy for musical instruments is so important, why do most people advocate home insurance policy to protect musical instruments?" Well, that's a good question. It can be because of many reasons, including:

●    Firstly, they might not have been in a situation yet requiring all-inclusive insurance protection.
●    Secondly, they might not be professionals.
●    Thirdly, they might have been playing their strings only inside their homes so far.
●    Fourthly, they might not be aware of the limitations of their home insurance plans concerning musical instruments.
●    And, lastly, they might not be able to fathom the importance of an insurance plan when disaster strikes. 

One More Thing -

Although ideally, you can always include your string instrument in your home insurance policy, the extent of coverage might not be up to the mark. Therefore, getting a dedicated insurance plan is always a good idea.

So, here are some of the benefits of purchasing String Instrument Insurance from a reputed dealer. Let's read on!

With an all-encompassing insurance policy, you are likely to get the cost of replacement, repair, or new instrument in the following situations:

●    If you or someone else has accidentally broken your string instrument
●    If you happen to lose or damage your musical instrument in the event of an earthquake, flood, or other natural calamities
●    If your gear is lost or damaged while in transit
●    If a third party or their property suffers any injury or damage, respectively, in an event involving your string

Apart from the scenarios mentioned above, you can also avail the following benefits when you have a specialized musical instrument insurance plan:

●    In case of a claim, you are most likely to get reimbursed for the costs of replacement that too at the rate of the sum insured.

●    You are likely to receive the cost of the replacement gear. It will help you continue with your performance without fail.

●    If you are a touring artist, you can also opt for worldwide coverage so that your gears are safe in a foreign land.

●    With a reliable insurance provider, you not only get to cover your instruments, but also the associated accessories. These include sheet music, mic, bow, and stands to mention a few.

●    There are some specialized musical instrument insurance plans which allow you to repurchase your gear if it is stolen or lost and then again found. Interesting. Right?

●    Some policies also allow you to keep the undamaged parts of your gears.

Finally!

To ensure that you get the suitable and all-inclusive extent of coverage make sure to check all the details with your insurance provider, beforehand. As the terms and conditions and policy inclusions and exclusions might vary from one service provider to the other, it would be wise to understand the policy you intend to buy. Or else, you might remain without proper insurance protection when you need it the most.

What does Brass Musical Instrument Insurance Cover?

With the perfect amalgamation of the elements of lip and sound, brass instruments, a.k.a labrophones or labrosones, are known for the harmonic music they produce. Different brass musical instruments have different pitches, and it depends on several factors. These include the following:

●    Valves
●    Slides
●    Crooks
●    Keys

According to most organology (the science of musical instruments) scholars, brass instruments should not necessarily mean musical instruments made up of brass. The term should be used based on the sound the instruments produce.

So, woodwind gear, such as cornett, didgeridoo, serpent, and alphorn, are brass instruments like the saxophone. Some of the high brass musical instruments include - baroque, trumpet, modern trumpet, piccolo trumpet, cornett, and flugelhorn.

With such a wide range of musical instruments under one category, don't you think brass musical instrument owners need a protection plan for their gears? It is where Brass Musical Insurance comes into play.

If you ask people whether you should go for additional coverage for your musical instruments, most will pinpoint home insurance or renter's insurance policy. However, industry experts opine that you should get your gears individualized insurance protection.

So, let us take a look at what brass musical instrument insurance covers and how it is different from that of your home insurance plan.

Will your home insurance cover protect your brass gears?

Well, the answer to this question may vary depending on several factors. Here you go!

Protection outside the insured property (your home)

Do you take your brass musical instruments outside your home, like an event or your school? If yes, then make sure to check with your home insurance service provider and find out all about it. Generally, this scenario is not covered by your home insurance policy.

However, if you get Brass Musical Insurance, you are fully covered, regardless of your location, whether you are home or not.

Cover for accidental damage and loss

Will your home insurance policy cover accidental damage? Sad, but most policies do not. However, a brass musical instrument plan taken from a good service provider is most likely to cover accidental loss and damage.

Cover from all-risks

Does your home insurance offer all-risk cover? Well, in most cases, no. There are many possible risks to your musical gears that your home insurance cover is unlikely to offer coverage for. So, what to do? Relax and read on!

One of the best things about dedicated musical instrument insurance policies is - get cover for practically all types of risks that you might come across at some point in time. The range of risks include the following:

●    Fire
●    Flood
●    Theft
●    Rain
●    Thunderstorm
●    Hailstorm, to mention a few

Cover against transportation damage or loss + Worldwide Protection

Just give it a thought. When your home insurance policy does not cover your brass musical instrument, if something happens to it outside your home, will it cover transportation loss or damage? The answer is pretty obvious. No. Isn't it?

However, if you buy a standalone musical instrument plan for your brass gears, your insurance provider will cover the cost of any damage or loss that might occur during transportation. Plus, you can also avail the benefit of worldwide coverage. And yes, it means what it seems.

No matter where on the planet your insured gear is, your musical instrument insurance plan will cover it against all damages and loss.

Final words

So, these are some of the most crucial coverage options you can enjoy with a dedicated brass musical instrument policy. However, choosing the right insurance provider is also imperative. It decides on the quality of services, such as smooth processing, quick claim settlement, etc., you are likely to get.

Stay Peril-Proof with Music Dealer Insurance

When we say people who own musical instruments should get appropriate insurance coverage, most think this advice is only for professional musicians. However, that is not correct. People who have musical gears can be anyone, a teenager taking music lessons, a musical instrument repairer or appraiser, a music teacher, a professional artist, and a music dealer. And everyone should make sure to cover their gears separately and not under their home insurance policies.

Some questions leading to the right path

Do you own a music dealership that houses a wide range of musical instruments, from pocket-friendly to high-end vintage ones? Do you think that your home or renter's insurance plan is sufficient for protecting your shop? If yes, then take some time to answer these questions:

●    What if someone torches your shop? Would your home insurance provide total compensation and full value of your belongings?

●    What if a customer gets injured when a drum falls over his head? What if he asks for compensation? Would your home or renter's insurance plan come in handy? Would it cover you against public liabilities?

●    What if the latest consignment of musical gears you received from a vendor is damaged? Would it be covered under your home insurance plan?

●    What if many of the musical instruments at your shop suffered accidental damage? Are you sure your home insurance will cover it?

A gentle reminder - your home insurance cover will not provide you with comprehensive insurance coverage at any cost. However, an all-encompassing Music Dealer Insurance will cover you against all the adverse scenarios that are not intentional.

Real-life scenarios when music dealer insurance is your saviour

●    If miscreants loot your dealership or set it on fire, your home insurance will not cover you comprehensively. However, a dedicated insurance policy for music dealers will compensate you for the loss.

●    If you get involved in a public liability case, your home or renter’s insurance plan will not come to your rescue, and you have to make all the payments on your own. It could be a hefty one considering the medical costs and legal expenses. However, if you get a standalone plan for music instrument dealers, you know you are safe and protected.

●    If your musical instruments get damaged or lost during shipment, your home insurance or renter's insurance would be of no use. These would not cover the scenario. However, if you buy an insurance plan specifically designed for a music shop, it would cover you no matter what.  

●    An important point to remember - your home insurance policy is least likely to cover accidental damages, unlike a comprehensive and dedicated policy.

Other upsides of a dedicated insurance plan

●    A dedicated plan covers you worldwide, regardless of where you go.
●    With a good insurance partner, you can also customize your plan according to your needs and save some bucks.
●    It also covers the accessories that are integral to the music, unlike home insurance.
●    A specialized insurance plan for music dealers offers all-risk cover.

So, with these many plus points, don’t you think an all-encompassing insurance plan is a must-have for everyone who owns musical gear? Although no insurance plan on the Earth can predict accidents, neither can they prevent them.

However, with a suitable Music Dealer Insurance plan, you can at least get financial assurance. So, if things go the other way round, you know that your policy has your back. A reliable insurance company is upfront and always proactive to help you with its best capacities.

Stay prepared!

So, did you get your standalone insurance to protect your inventory yet? If not, then hurry! You never know when a stroke of misfortune may hit your business. Therefore, staying prepared is the key.

Types of Insurance Coverage for Musical Instrument Repair Businesses

Musical instruments make the best way to get away from the concerns that people face in daily life. For people who play musical instruments, their playtime is an absolute refuge from the material world. Surreal, indeed. However, to ensure that these music-producing gears keep creating great music, they need maintenance and repair.

Do you provide musical instrument repair services? If so, then probably, you handle hundreds of instruments regularly at your workshop. Most importantly, you know - how musical gear owners connect to their strings or woodwinds or whichever gear they play. Right?

Owning a music instrument repair shop is a responsibility in itself.

When you know the financial and emotional aspects associated with musical instruments, it helps you be careful and precise with your services. However, it also makes your profession a vulnerable one. The reason - you deal with a plethora of musical instruments. And with all the delicate and intricate parts of the musical instruments, your job can be a tough one.

So, any carelessness or mistake from your end can put you in rough waters and burden you with lots of liabilities. Therefore, you need specialized Insurance for Musical Instrument Repairers for sure.

Get insured. Say goodbye to unwanted scenarios.

Having appropriate insurance coverage is imperative for musical instrument repairers. You never know any accident could occur that could be detrimental to your business. However, if you have proper insurance protection, your policy will protect you against all unwanted scenarios.

So, what do you prefer to choose - a customized plan that will protect your business against all possible perils or a permanent shut down of your workshop? The choice is all yours.

Let us have a quick look at the Types of Coverage Musical Instrument Repair Businesses Need!

Types of coverage you are likely to need.

Music repair shops are prone to various types of risks. Therefore, they should carry the following insurance plans to ensure safety from the unforeseen. Keep reading.

Commercial property insurance

Your shop is a physical property. Therefore, it is susceptible to various problems, including vandalism, theft, water damage, electrical surges, and natural disasters. Commercial property insurance will ensure - not only your property but also your belongings, even the ones in your custody, are safe.

Your repair workshop houses dozens of musical instruments at a given time. And you being the repairer is legally liable for the protection of these goods. Property insurance will protect you and your shop if, unfortunately, an accident happens. If you fail to get one, it could pave a path for catastrophic losses.

Public liability coverage

It is yet another crucial insurance coverage you should have. If you or any of your staff members make a mistake leading to damage or loss to a third party, the public liability insurance will protect you. A third party can be anyone - your customers or someone else visiting or working in your shop. If you do not have this cover, it could leave you with hefty medical bills and legal fees. And the consequences could be jeopardizing.

Public liability insurance protects you against the following situations:

●    Physical injury to a third party
●    Damage to the property with you (business) as the party at fault
●    Damage or loss owing to copyright infringement, disparagement, and similar scenarios

Get your copy now!

These are two of the most essential insurance covers of all that every musical instrument repairing service provider should have. Besides, Insurance for Musical Instrument Repairers also covers loss of income and various other aspects related to your business.

Get your policy now. A reliable insurance company will make sure to live up to your insurance requirements and expectations in the best possible way.

5 Questions to Ask Before Hiring a Piano Insurance Company

If you have decided to buy a dedicated musical instrument cover for your piano, it is a good decision indeed. However, it is crucial to understand an insurance product before you buy it. It will allow you to use it as and when needed. If you don't have an idea about your insurance policy, you might not be able to use it properly.

Here we have rounded up some questions you should ask an insurance company before buying a Piano Insurance policy. So, let's get started!

1.    What types of pianos do you cover?

As there are different types, models, and makes of pianos available in the market, asking this question is crucial. Well, a reputable and customer-centric insurance company covers various makes and models of pianos and keyboards, including baby grand pianos, uprights, concert grand pianos, console pianos, spinets, harpsichords, digital pianos, to name a few.

The best part with an instrument specific insurance is - it covers your instrument regardless of your profession. You can be a professional musician, a music teacher, a music shop owner, a recording studio owner, or a collector. Your profile does not matter here. You can always insure your piano against a range of perils and unwanted scenarios. 

2.    Will your piano protection plan cover your accessories?

It is one of the best and most beneficial aspects of a musical instrument insurance policy. It also covers your accessories, such as books, sheet music, stands, mics, etc.

Even if your home insurance protects your piano, it is least likely to cover your musical paraphernalia. So, you should choose your policy wisely.

3.    Is your home insurance policy not enough?

It is one of those questions that people have been asking a countless number of times. Is a home insurance policy not enough? Well, the answer depends on several factors, including the type of piano you have and the extent of coverage you need. Many people stick by their home insurance plan no matter what instruments they own. However, there are certain risks involved with it, limited coverage being one of them. As far as the limited extent of coverage is concerned, you might not get the most appropriate value for your gears in some cases. And it can be too expensive for your pocket. Therefore, a dedicated Piano cover makes the safest bet.

With a reliable musical instrument insurance provider, you can tailor your policy copy according to your needs. Needless to mention, your piano is not an instrument for you. It is your life for which you have made a significant amount of investment. Insuring your piano means mental satisfaction for the years to come.

4.    What are you protected against?

A comprehensive insurance policy for your piano from a reputed insurance firm covers a lot of things. These include the following:

●    No limit on professional use
●    No time limit on traveling
●    A protection shield that guards you locally, domestically, and internationally
●    All-risk cover, including accidental damage, theft, damage, or loss
●    Transportation damage and loss
●    Cost of rental instruments
●    Cover for your accessories as well
●    Depreciation following a repair
●    Loss of income
●    Public liabilities

5.    What credentials does an insurance company have?

A leading Piano Insurance company is recognized by the most esteemed music associations, such as the Alexander String Quartet, Foghorn Classics, Target Markets, USC Thornton School of Music, Berklee College of Music, New England Conservatory, Bluegrass Unlimited, Carolyn Nussbaum Music Company, to name a few.

Make sure to check these and others you have in your knowledge before choosing a music insurance company because these credentials matter and influence the quality of your policy. When you have a trusted insurance partner taking care of you, you can take a sigh of relief.

Why Choose Music Insurance Company to Protect Woodwinds Instrument?

Whether you are a leisure-time woodwinds instrument player or have a professional standing in the industry, specialized music instrument protection is imperative for you. It would be fortunate if you do not need to file a claim pertaining to your insurance policy. However, if, unfortunately, you have had an accident damaging your musical instrument, what will you do? Without a suitable insurance plan, you are likely to land in rough waters. Remember, neither you nor your musical instruments are immune to the unforeseen.

Are you happy with your home insurance plan? Read this!

A majority of musicians, whether novice or industry-fame, think their musical instruments will be protected by their home insurance. Do you think alike?

Well, you can always cover your gears under your household insurance plan. There are no issues with that. However, if the damage or loss takes place away from your home, then your home insurance plan will not cover them at all.

And probably, you have not bought your woodwind to be played inside your home only. Right? Therefore, you need to buy a dedicated Woodwinds Insurance policy to protect your gears inside and out, and 24X7. Besides covering you worldwide, it also comes with a whole lot of benefits, both financial and emotional.

However, like choosing an appropriate insurance plan, choosing the right insurance provider is also necessary. Here is why:

●    An insurance provider with years of experience in dealing with musical instruments and related claims has the expertise. So, they can help you in a much more elaborate manner than a home insurance service provider.

●    A musical instrument insurance company covers different families of gears, ranging from woodwinds, strings, keyboards, and brass instruments. So, whether you own a piccolo or a clarinet, you are likely to get comprehensive coverage.

●    An insurance company specifically providing musical instrument insurance policies also covers accessories and your entire musical paraphernalia, unlike your home insurance provider.

●    A music insurance company covers everyone with musical instruments. So, whether you are a student, a teacher, a dealer, a musician, or a collector, you will have your back covered.

●    Your home insurance plan will not cover your paid performances. However, Woodwinds Insurance, taken from a reputed music insurance provider, will cover all your programs (whether it is a roadside gig or a grand concert).

●    Music insurance companies are well equipped to deal with claim settlements. Therefore, whenever you make a compensation claim, you can expect quick processing and proper claim settlement, unlike other insurance providers.

●    Although professional, a music insurance company understands the eternal connection you share with your gear. This understanding is hard to find with your home insurance. Therefore, they keep no stone unturned when it comes to protecting your musical gears.

●    Most importantly, the extent of coverage with a music insurance company is much wider than a home insurance provider. A comprehensive musical instrument insurance plan is an all-risk cover policy. It protects you from a wide range of perils, including theft, vandalism, robbery, fire, flood, thunderstorm, earthquake, and accidental damages. It also protects you against loss of income and public liabilities.

●    Your home insurance is effective only when something happens to your musical instruments inside the boundaries of your home. Your musical instrument insurance covers you omni presently.

It is your call to find the best!

So, these are some of the benefits you can avail of with a trustworthy and dedicated music insurance company.

As there is no dearth of such insurance providers in the market, it is your call to be careful while choosing one of the best musical instrument insurance providers to cover your gear.

With a little effort and some amount of research you can find the most reliable and customer-friendly service provider.