Recording Studio Insurance: An Umbrella of Protection with Peace of Mind

We live in a digital era were producing and releasing self-made music online is no longer a hard nut to crack. While you will find seamless online platforms that allow users to create and upload their finished musical projects, access to quality and pocket-friendly recording studio equipment has also made it quicker and easier for budding artists - like never before. Once available to professionals who can invest a fortune in buying decent recording gears, now, the scenario has changed drastically.

Are you also planning to set up your own recording studio in a commercial space or your home? It is going to be an exciting venture, indeed. Here we go!

All music recording studios, whether the big ones with opulent interiors or home studios, more or less need similar types of equipment. You might find it a little confusing in the beginning. However, you can get started smoothly with a couple of basic instruments and expand gradually.

Here we have rounded up a list for you. This list comprises some primary equipment you will need to set sail. So, what are you waiting for? Let us read on! 

A desktop or a laptop

It is a critical component of any recording studio. Make sure yours is a decent one with a good processor and different ports to allow connectivity with various external devices, such as MIDI (musical instrument digital interface) and external hard disks, among others. You will find numerous brands that sell quality computers in the market. So, you can choose according to your needs and preferences, and of course, your budget.

DAW or Digital Audio Workstation

It is another crucial part of a music recording studio. However, when zeroing on a digital audio workstation, make sure to consider the type of resources it is likely to use on a system. If you are new to this or do not have enough idea about the same, it is advisable to seek professional help.

Mics and stands

Large and highly professional music recording studios generally have a wide range of microphones. However, if you are a newbie in this domain, you may not need all of them, especially if you are on a tight budget. Buying a couple of microphones meeting the industry standard is enough. And, if you think that you can spend a little more money, you can also go for condenser microphones. These microphones are basically used in studios to record vocals. These mics also allow the producer to listen and pick every sound and word spoken by the person behind the mic. You may also consider spending on a ribbon mic. This microphone is good for brass-made woodwind gears, electric guitars, and drums. As far as microphone stands are concerned, you will find different types of products that people use in their studios. These include - floor, boom, desk, and standard.

Mixing Board

Some digital audio workstations come with an in-built mixing board. If yours is the same, you may not need to buy a separate mixing board. However, if you do not have the same, then, buying a standard mixing board is a good idea. Mixing boards are available in different types of channels and used for setting various levels of recording, controlling output and volume, and adding different effects to the sound piece. If you want to know about the sizing of these components, know - that it does not go with the one size for all adage. So, do your homework and choose the one that meets your recording requirements.

In a gist

Besides all the components mentioned above, some of the other things you will need to set up a music recording studio include - sound baffles, mixing headphones, speakers, musical instruments, and a Recording Studio Insurance policy.

Having a suitable and comprehensive Recording Studio Insurance by your side ensures peace of mind in the first place. It also allows you to produce great music without the fear of losing your equipment to unforeseen events and suffering financial losses.

A Checklist for Getting the Right Music Dealer Insurance

If you have a music studio or dealer selling or repairing music instruments, you should prepare a checklist for getting the right music instrument insurance. Unlike musicians who have one or two musical instruments, which they are good at playing, you have many of them, from expensive, vintage, and new to old-fashioned instruments. All of them are very expensive, and in case of any unexpected happening like theft, fire, or other, you will be at a great loss. Already the pandemic has caused havoc among the people, especially those in the music industry. Hence, it would help if you did not risk another loss that comes at the most unexpected time.

So, prepare a checklist for getting the right musical dealer insurance to get all your musical instruments covered by the policy to claim the full amount in case of any unexpected losses.

What is the right music dealer insurance?

Individual musicians having instruments for playing in gigs, shows, concerts, and others for a living should insure their instruments. Those learning music to become a musician because of a passion should also get insurance. There are also music instrument collectors for their love of music.

Because music is a universal language with no language or geographical barriers and mesmerizing effects, anyone hears a soothing, soul-stirring sound. But it is different for the studios and stores selling and repairing musical instruments, as they have many expensive and vintage musical instruments at their disposal. A few would be there for repair or sales or as loans to musicians. Hence, the responsibilities of the music dealer increase manifold to have them all covered to be safe. And failing that, they will be put through huge losses and hardships, not being able to offset the loss. 

Why is music dealer insurance important?

A music studio, store, or repair shop is like a business establishment selling and repairing musical instruments. Hence, all the liabilities of other businesses apply to it as well.

For example, if a shopper checks for a musical instrument, there are chances for other instruments to fall on the person and cause physical and other injuries. And the music store owner is liable to pay for any compensation that the shopper claims through a lawsuit.

If you are a music instrument dealer and repairer, you may have workers for whom you have to get workers' compensation insurance to safeguard them. Also, a rare few may file a lawsuit because of the harm caused by the musical instrument they bought from you.

A Checklist for Getting the Right Music Dealer Insurance

From the above facts, you need to prepare a checklist for getting the right dealer insurance to keep your musical instruments safe and avoid many other issues.

Check if the musical instruments have insurance coverage during transit domestically and internationally.

Verify if losing the musical instruments has cover for theft, accidental damage, flood, depreciation because of an accident, fire, climate, earthquake, etc.

Ensure that the musical instruments kept on loan in the store by the customer or for approval have the cover by the insurance.

•    Check the musical instruments coming to the store by courier or post to cover any damage in transit.
•    When musical instruments are sent on loan to customers, vehicles should have cover for the full value.
•    The exhibition covers musical instruments, especially vintage instruments, to cover them for any damage or theft.
•    Check if the musical instruments have the proper maintenance and are cleaned well with a good appraisal for getting their full value in claims.
•    Having a need statement ready will help to claim the full insurance from the music dealer company.
•    Check if the music insurance agent represents the company directly or a dealer consultant to explain the formalities. Only the best music insurance company with enough experience offers the policies.
•    Verify the premiums for the musical insurance to not exceed the budget by covering unnecessary things to add to the budget.
•    Check the reviews, ratings, claims disbursed, and others to know the credibility before trusting the music insurance company with your valuables.
 
Conclusion

The above facts and the checklist will ensure your music studio or store has the right cover with the right music dealer insurance to get the full claim of any losses or damages.

What Do You Need to Know About Piano Instrument Theft?

You are in the right place to know about piano instrument theft. The piano has been popular for centuries because it is easy to learn and good to hear the music. But the fact is it is also easy for theft because of its enormous costs depending on its type, model, make, and brand. Musicians immersed more in the music get lost in it to take care of their instruments. And that too for playing the piano makes anyone lose the awareness of the music and composing it. Hence, many take advantage of it to steal the piano to leave the musicians in a lot of stress and monetary losses.  

So, check out what you need to know about piano instrument theft and take the right piano insurance to recover from the stress and losses quickly.

Increasing piano instrument theft

In recent years there has been increasing piano instrument theft worldwide. The increasing cost of piano instruments depends on many factors. The more the piano costs, the more the chances of getting stolen. You may have heard much news coming from worldwide about stolen pianos. Also, there are many posts on social media about piano thefts and help to find them. But stolen with malicious intent, there are only a few chances of finding them. Hence it is essential to know how to prevent piano instrument theft.

Importance of customized piano insurance

As the piano instrument theft is increasing, so is the importance of having customized piano insurance rather than waiting until it gets stolen. Many rely on home insurance to cover their piano instrument theft. But buying a piano is a significant investment; you need customized insurance. Most home insurances cover only the piano's value to a certain amount or specific instances of damages to it. Only the exclusive insurance will help you cover the actual value of the piano so as not to lose money to buy a new one.

How to prevent piano instrument theft?

There are many ways to lose the expensive pianos but few ways to prevent piano instrument theft. While having customized insurance for them is one of the best ways, many other ways could help to prevent it. A few of the ways include.

1.    Having proper security for the piano while at home or taking it outside is essential to installing an alarm, having a proper protocol for carrying it in vehicles, and others.

2.    Being anonymous or keeping a low profile is essential not to let the thieves know that you have the piano at home or carrying it in vehicles by avoiding stickers of the band and others.

3.    Keeping a record of the piano's unique serial numbers will help you identify the piano if, by luck, you can get it back after it gets stolen.

4.    While carrying pianos in vehicles for concerts and other occasions, it is essential to keep them safe in the hotel or the vehicle by parking them safe in the basement rather than on the roads.

5.    Taking and having pictures of the piano will be critical to present them to the authorities to pinpoint distinguished marks for finding it and for insurance people to prove it is yours.

6.    Make sure that you keep the piano under your watch or with someone you trust to never take your eyes out of it while taking it outdoors.

7.    If it is older than five years, keep appraisals of the piano to have the best claims settlement for vintage pianos.

8.    Store the piano is the hardest to steal, like keeping it at the least accessible place in a trailer or van during transit.

Conclusion:

The above facts and ways will surely help what you need to know about piano instrument theft. Pianos are precious musical instruments because of their costs and a special attachment. But with increasing piano instrument theft, you should be ready for even the worst scenarios of losing it if not taking the above preventive and other measures. But still, it is a material thing, and you should ensure it exclusively to get claims from the best music insurance company Clarion Associates Inc.

How to Make a Claim for Stolen String Musical Instruments?

Every human's life revolves around music. It makes your life more enjoyable and appealing. As a result, almost everyone on this planet loves and appreciates music. However, some people are so taken with it that they begin learning how to play many musical instruments. Moreover, if you master it, you will be able to turn it into a rewarding and fulfilling career. However, you will have to buy a few instruments beforehand. There are numerous types of instruments available on the market, and you can take your time to decide which one you want to spend money on.

Each instrument has multiple variations, each with a different price tag. As a result, you should choose one after careful consideration since they can cost you a lot. Others enjoy collecting antique instruments or items that once belonged to well-known musicians as a hobby.

Most of these items are also super expensive and require a lot of maintenance. If you are one of the people, you should be aware of what string instrument insurance is and how it can assist you in recovering your funds in the event of theft, loss, or other unforeseen circumstances. In the business sector, multiple financial firms offer various types of insurance policies, and you can choose from any of them depending on your budget and the worth of the instruments you have.

If you are a musician, you are well aware that losing an instrument is the most serious issue you can face. Additionally, some people may have a strong emotional attachment to their items. As a result, you should always purchase an insurance plan beforehand to ensure that you can recover your investment. 

This aspect will assist you in minimizing the damage and buying a replacement item promptly. It is always preferable to be prepared ahead of time for any situation. You should contact your insurance company as soon as you lose your instrument, become a victim of theft, damage your item, etc. You can take a few steps to help you file a claim for the instruments you have misplaced. Let us now take a look at them in detail:

1.    Talk To Your Insurance Company

You should contact or visit your insurance company as soon as possible if you want to receive the full advantages of your policy. After that, make sure you tell in detail what happened. You should also keep in mind that you should make your claims within two months if you want to receive the best benefits. These companies also have numerous claim forms that you must complete appropriately. You need to pay close attention because the amount of money you receive depends on the information you provide. If something goes wrong with your instrument, you should contact their customer support immediately.

2.    Detailed Information Is Essential

Once you have filed your claim, you will need to provide detailed information about the damage or theft, including what happened, when, and how. It will be significantly easier to process your claim and assist you in the best possible way if you provide images, time, instrument specifications, contact information, etc.

You should also keep other proofs ready, such as ownership papers, valuation paperwork, etc. If your instrument is stolen, remember to file a police complaint first and then apply for coverage because the insurance company will require the report's information as evidence. All these papers can assist you in obtaining a substantial sum of money promptly and effortlessly.

3.    Repairing And Replacement

If your instrument has been damaged and you wish to restore it, you can ask your insurance carrier to cover the restoration cost by submitting data about the damage. Alternatively, if the value of your item decreases, you can also ask the provider to cover the depreciation. You can also include a list of preferred stores that can repair your instrument within a short period. If the damage is severe, you may be able to replace the item with the help of your insurance provider, but it must be within the limits of your policy. If you are one of these people, you should contact your agent immediately.

Conclusion

Before purchasing string instrument insurance, you should familiarize yourself with the multiple policies to avoid making mistakes. You should also select an appropriate insurance company that will provide you with the essential benefits. The above blog will teach you more about instrument insurance.