Oboe Insurance - Better Be Safe than Sorry

If you play the Oboe you would realize how delicate an instrument it is. It can produce the most mesmerizing sounds that are soothing to the mind and the soul. If someone were to ask you the value of your instrument, you would most likely say it is 'immeasurable'. That is the kind of emotion a musician attaches to his/her musical instrument. But at a time when live performances have become widespread, as a musician or a music instructor you need to be realistic and insure the musical instrument and secure it against the common risk.

The reason insurance is important is the fact that as performing or non-performing artists you shouldn't divert your attention to the safety of the instrument and rather be submerged in creating enchanting melodies. If you don't have insurance coverage for your oboe, your mind will always be pre-occupied with things that hamper creativity. Insurance offers artist the peace of mind which is an essential ingredient to creating soothing music. There are several companies that offer you oboe insurance and here we take a look at some of the advantages of this insurance.

Homeowner's Policy Isn't Enough
Before we start discussing the advantages of insuring your musical instrument we need to make a very important point. Your homeowners' policy isn't enough as this will not protect the instrument when you are performing in concerts or while the instrument is in transit. This is one of the costly mistakes that many musicians make as such policies only cover risks similar to other belongings at home and don't offer you the added protection you need as a musician. If you are running a small music school from home what you need is Music Instructor Insurance that will not only protect you against damage to the instrument but also give you liability coverage.

What Is Covered Under Oboe Insurance?

• Loss of Instrument – As a musician you will need to travel extensively performing in different places. During a hectic season you often end up travelling every other day. This puts your precious instrument at huge risks as most thefts and misplacements take place during transits. Your insurance policy would cover this risk and offer you the cost of replacement. Here reputable insurance companies offer you the 'new for old' advantage where they would cover the total replacement costs.

• Accidental Damage – Musical instruments are delicate and susceptible to damage. In such unfortunate circumstances you would want to hire an expert to carry out the necessary repairs and this can loosen your purse quite a bit. Having an insurance policy will save your day and cover all the costs.

• Equipment Breakdown – If your oboe breaks down in the middle of your tight schedule you would need to replace it to fulfill your commitments and insurance would take care of the necessary hiring costs.

With so many advantages all you need is to hire a reputable insurance company that offers you a comprehensive plan covering all risks. They can also offer you a tailored plan that would meet your niche needs.

Concert Insurance - What Do They Cover?

As a musician or a concert promoter you need to always protect yourself for the worst case scenario while preparing for the event. concert insurance is no longer a choice but has become a necessity in today's world where so many things are at stake during every event. If you are promoting an event for the first time you must know that you may not be able to hire a venue without having an insurance cover in the first place. So when you go out to buy insurance for your concert, what are the things that you need to look for? Here we list the different coverage that such insurance plans come with.

# Event Liability Insurance
Don't accept any insurance plan that doesn't have even liability coverage. This is surely the most important of coverage that will protect you against all liabilities arising out of incidents and accidents during your concert. Even best practices in crowd control and other safety aspects cannot prevent unfortunate things from occurring during your event. When you have large number of people attending the event the threat magnifies. With this coverage you would be protected against any financial or other claims in case of any untoward incident and bodily injuries that may occur in case there is stampede or violence.

# Event Cancellation Coverage
This is one threat that looms over your mind and doesn't let your relax till the concert is successfully staged. You are aware of the huge expenditure that you would incur in organizing the event. These include expenditure on the travel of the artists, their accommodation and the publicity campaign that you would run to promote it. But there is always the risk that the artists may fall sick, may not be able to make it to the venue or the event may need to be cancelled in the event of violence. In such circumstances you would have to bear huge financial losses.

# Weather Insurance
Blame it on god or your misfortune, you can't do anything about the weather, can you? Every year there are hundreds of events that need to be cancelled due to bad weather leading to big losses for the promoters. If you are organizing an open air concert you shouldn't ignore this coverage at any cost. This will help you deal with the losses that can arise out of cancellation of the event due to bad weather or other natural calamities.

While these kinds of coverage would care of most of your requirements, you often need a niche plan that is tailored to your needs. For instance the risks associated with a classical concert are far less than that of a rock show. Go a reputable insurance company that deals with the music industry and its niche needs. These companies have created their insurance plans keeping in mind the challenges and risk that musician and concert promoters may face. Such plans would cover all your risks and offer you the peace of mind to focus on your event.

Piccolo Insurance Gives You a Sign of Relief

All worldly things come to an end one fine day; generations come and go. Even great personalities are being remembered for a set period of time after their demise, but it is the soulful and heart touching musical creation that are being remembered through centuries. Mesmerizing music has an ability to transcend through the space and time restraints; and in fact, it is not being discriminated in terms of race religion and color. You can flight yourself physically to a cocoon of joyous pleasure by listening exceptionally melodious and captivating music, where there is no space of sorrow and distress. But, keep one factor in mind; a masterpiece can only be created when a veteran of the industry, i.e. maestro is in a complete peace of mind. For an exclusive creation, he has to keep all his apprehensions and worries aside.

Now how can such scenarios be created so that these musical divas are in peace of mind so that soul touching musical creations comes into existence; as the majority of the musicians and performers are worried for the safety of their musical assets back in their mind? Preserving their musical instruments comes top in the list of do’s and don’ts in a schedule of a composer, performer, orchestra operator and musicians alike. These professionals are preoccupied in searching avenues through which their musical appliances as well as their studios are protected from threats of all natures. After all, these gears are the source of their bread and butter as well they are being recognized by their admirers through these gadgets. Such mental anxieties often affects their talent as a result, they are not able to generate the same kind of musical compositions as they can do.

Here, insurance firms play an important role, as other than imparting Music Studio Insurance and Piccolo Insurance along with a heap of other insurance coverage’s they take care of all musical equipments as well as their accessories through their well designed protective shield i.e. Insurance plans and policies. Travelling and moving around to the venues of live shows and concerts is an indispensable part of life style of musicians and their troupes. Even, if you are a solo performer you have to visit distant lands to entertain your fans and admirers through rhythmic musical tunes.

With continuous travelling, musical instruments and related accessories are exposed to a number of dangers; they can be lost or misplaced while being transacted. If the packing of these instruments are not done properly they can even get cracked, thus will be of no use. Even if these gadgets are stacked up for the routine security check up and reach the destination late, they will be of no use. And it is the performer and the organizer who has to suffer from such consequences. Well designed insurance rescues these veterans from such scenarios. This is the reason the concept of insuring is picking up fast. Music Studio owners have walked a step further, and in order to have security blanket on entire set up they have started picking up Audio Equipment Insurance as per requirement.

Specialists Piccolo Insurance Secures Your Instruments From All Venerable Risks

Artists who have spread their wings in music fraternity have a whole world to travel around along with their array of instruments through which they flow ear soothing and mind blowing tunes. Lots of Awkward and uncomfortable situations arise in their professional arena too when their well accessed instrument has to face hard times. One of my neighbors, staying in the opposite lane of my dwelling lost his recently acquired electrical guitar. The precise scenario was too scary has he also faced a physical injury while making efforts to save his dear instrument falling down from the truck. Hold Down! Now can you ever imagine if so gem proof flute under your possession breaks in front of your eyes, when things are very unfavorable?

Flutes and Piccolos are amongst the list of sensitive and tender musical instruments that carry incredible and sensational tunes when played through experienced hands. But, have you ever anticipated the probable outcome if your instrument breaks down while you are offering music lessons to a group of students in your music academy. If the instrument in question is a sole of its kinds; things are more complicated. No matter, whether you are a renowned music maestro or an amateur learner; the question is about maintenance and safety as well as the security of the instrument. Once you lose your musical gear or damage it due to either of the causes repairing it can shed an enormous amount of money. We all are well aware that these musical gadgets are highly sensitive and can get damaged even due to slightest mishandling; and whether you are in a recording studio or giving music lessons at home or performing in an outdoor show, make sure that you have acquired Piccolo Insurance as soon as you have bought the instrument for yourself.

There are situations that you need a lot of money in fixing any type of problems in all set of instruments; and at times the fixing charges are so high that at times can be merely equivalent to the price of a new instrument. Thus, getting them insured is a real good idea and that too as soon as you buy it!! Flute Insurance helps to fill up in the space between you and probable danger ratio in an effortless yet affordable manner. These insurance plans can be tailored or you can say designed specifically for the instrument, so that it can stay safe and sound, besides protecting it from theft, misplacement or all sorts of damages. All set of Music appliances are very sensitive towards strong wings and electrical shocks; and with the passage of time, there are chances of deterioration of these instruments.

There are piles of vendors who offer a variety of options of payments for the premiums against insurance policies; as monthly, bi- monthly annual and you can pick as per your convenience. You can ask these vendors to alter the already existing policy with the passage of time; and through their team of experts these vendors happily fulfill the requirements.

Music Instructor Insurance Secure Your Profession From All Viable Threats

Being a part of the music industry would have enlightened you by knowing the significance of having insurance. You might have noticed that your peers, veterans, colleagues and even friends within this industry have covered their precious and dear musical instruments. Procuring insurance is thought -out to be one of the safest and wise tricks in the book. As the increased amount of travelling for musicians, especially veterans, there is no assurance from either side that your music gear will always be in good working condition. Moreover, as a musician you might be well aware that having a broken instrument is just as not having a one at all!! When music is a source of your livelihood, learn to insure it, learn to respect it and above all learn to safeguard it.

If you are running music tutorials that is having a good name, you might be the owner of some of most expensive and classy music instruments; and if such is the case, it becomes more vital to buy an insurance plan. Music Teacher Insurance will assist you during your tough times, and in case, some major debacle takes place, this insurance plan will help you for replace or repair the instruments under your ownership with the help of insurance money. In case, till date you have not acquired an insurance plan and are unaware how to proceed with it, keep in mind the checklist mentioned below. Few of the follow- ups if followed properly will help you to get the best policy at the best ever rates, and that too without any compromise.

Understand Your Policy Options
Insurance vendors do understand the hitches and quandaries that exist in music and entertainment fraternity; as a result they have started offering a helping hand to these musicians through several wide ranging all inclusive coverage’s that can be considered as exclusive. Newly Acquired Instrument Coverage, Replacement Instrument Coverage, Borrowed Instrument Coverage are few of them, which can be twisted according to the requirements of these professionals.

Understand How Music Instructor Insurance Benefits You
We do understand that insurance is a means to protect your musical instruments as well as your professional identity too. But, it is equivalently difficult to understand what the real benefits of acquiring Music Instructor Insurance are? Before approving any kind of coverage, it will be better to make a few queries with your agent, and once satisfied proceed further. Does high premium ensure bigger returns? What are the criteria followed for accessing the instrument before the payment made by the insurance vendor? Do I have to satisfy with the lump sum amount?

Pick a Reputed Insurance Vendor
Finally, remember, that it all comes to the repute and esteem of the insurance vendor. You will get the best of the services and options only from establishments that have the presence in insurance sector for a considerable tenure. Try to obtain insurance from a vendor that offers a wide variety of plan and policies for this fraternity. Established vendors make best of efforts to retain their customers; besides offer flexible coverage.

Flute & Piccolo Insurance - Why Every Musician Needs It?

There is something special that separates wind instruments from all other categories of musical instruments. There is more sweetness that takes us to a heavenly journey when someone plays a flute or a piccolo in a closed room or in a well-attended musical concert. As a flute player or owner who creates magic with piccolo your instrument would be extremely dear to you. When you start dreaming of stardom it becomes equally important to protect your musical instruments. The act of insuring musical instruments has become very popular in the last two decades and we are seeing the emergence of several insurance companies that deal with the interests of musicians, event organizers and studios. Let us share with you a few things that point to the importance of piccolo and flute insurance.

Flutes & Piccolos Are Delicate
You are aware of the fact that your flute or piccolo is very delicate instruments. In fact they may be categorized as the most delicate of musical instruments. Even the slightest of damage can spoil the music output. Getting them repaired can cost you a lot of money as there are very few people who are involved in this trade. In the worst case the damage to the instrument will be beyond repairs. Whether you have to get the instrument repaired in some faraway place, to buying one that is equally good as your old one, an insurance plan would take care of all the financial expenditures on repair and replacement.

Theft& Misplacement
As a musician you are always on the road travelling from one place to another and entertaining the crowd. Travelling does come with its downsides and apart from the fatigue and tiredness it also maximizes the chances of theft and misplacement of the instrument. As they are small in size, flutes and piccolos fall victims to these easily. Ask any veteran artists and they would share dozens of stories on how musicians have lost their instruments in flights, ships and vehicles while moving from one place to another. Sometimes it is an act of mischief, while on other occasions its sheer human error. Whatever be the reason, you will suffer a huge loss both financially and emotionally. Flute or piccolo insurance would at least help you recover the financial damages.

Ask For Personalized Coverage
Musicians are as varied in their mood and performing styles as they are with the kind of music they create. While some musicians are on the road all throughout the year others play only in a few events or love playing in private among friends and family. So your need for insurance varies accordingly and you can opt for a flute insurance coverage that is tailored to meet your niche needs. This will be both cost effective and also meet your exact needs. Since there are a number of companies that are offering this kind of insurance coverage, it is important for you to be choosy and check out their ratings and reviews before you buy insurance from them.

What Things Are Covered Under Event Liability Insurance?

Accidents and incidents happen during events when you least expect them. A small error in judgment by one of your crews or a fan can lead to a messy situation that can result in bodily injuries or damage to the property. While there are a number of safety checks you can take to prevent mishaps, there are no full-proof measures to prevent them. Despite all the measures you take, accidents can often happen due to reasons beyond your control such as crowd behavior. As a musicians or an event management company, event liability insurance thus becomes a must for you and something that you shouldn't ignore at any cost.

What Kind of Events Are Covered?
This is one of the things that would come to your mind when you think about liability insurance for an event. Since you would be performing in a variety of events that include consumer shows, fundraisers, dances, meetings, luncheons, parties, weddings, and concerts you should ideally choose a scheme that protects you against liability in all such events.

What Is Covered

• Property Damage – One of the biggest pluses of event liability insurance is the fact that they cover property damage liability. Irrespective of whether you are performing in a large music arena or someone's private property,this will compensate for all kinds of damage to the property during musical events. In fact you won't be able to hire the top venues for your event if you don't carry liability insurance!

• Physical Injury – Even in the best organized music events this cannot be completely ruled out. We have time and again seen how fans get injured in stampede and other unfortunate events when their complete focus is on music and not their safety. Bodily injury can result in a number of third-party claims and this kind of insurance plan would protect you in all such cases.

• Medical Costs – This kind of insurance policies also cover medical costs of the persons who have been injured during the event. In fact this is one of the biggest advantages as this prevents number of third-party claims during the event.

• Cancellation & Postponement – These are regular scenarios that musicians and organizers have to take in stride. From local law and order problems to bad weather the reasons behind cancellations and postponements are many. A comprehensive event liability plan would protect you against losses incurred due to cancellations or postponements.

You can clearly see the importance of event liability insurance if you are attached to the music industry and perform or organize performance on a regular basis. When it comes to choosing event liability insurance or music instructor insurance you need to be extremely choosy and settle on an insurance agency that enjoys strong reputation in the market. A reputable insurance company would offer you comprehensive plan that protects you against all kinds of predictable mishaps that can occur during an event. They can also offer you tailored plans that take care of your niche needs. It is advisable that you read reviews and check out the kind of ratings that they enjoy.

Things That You Need To Look For While Choosing Flute Insurance

Are you looking for a perfect flute insurance policy that would cover you against all odds? Insuring musical instruments is fast gaining ground among the top musicians as well as amateurs. While no money can cover the emotional pain you go through when your instrument is stolen or damaged, these plans do cover the monetary aspect of the loss. As a flute or oboe player you would know how delicate your instrument is which makes it prone to damage. Apart from this, thousands of musicians lose their precious instruments in burglary, misplacement and transit loss every year. An insurance policy covers you against most risks, however there are a few things that you must keep in mind while choosing insurance for your flute.

• Transit Insurance – This is perhaps the most important part of your coverage. Damage and loss of the instruments are highest when they are in transit. The cargo handling crew may not take required care of the instrument or they may be stolen when they are being moved from one destination to another. When you are playing at different cities and venues on a regular basis, this coverage becomes very important for your needs. It would protect you against all kinds of financial losses arising out of loss or damage to the instrument during transit.

• Liability Coverage – There are thousand things that can go wrong during a concert and in many cases you may become the unlikely victim when bodily injuries are caused to fans and others at the event. This is where special event liability insurance becomes important to you. This protects you against third-party claims pertaining to injury and property damage that occur during your event. The liability coverage would protect you during all kinds of fairs and festivals, consumer shows, fundraisers, dances, meetings, luncheons, concerts and all others types of musical events.

• Replacement Costs – One of the things that you ought to note while buying flute or oboe insurance is what kind of coverage it offers you. Traditionally if you bought vehicle insurance you would know that insurance companies apply depreciation rate while calculating your claims. The same logic applied to your musical instrument would make little sense and hence the insurance scheme that you buy should offer you replacement costs as per the current market rate, in case your flute or oboe is stolen or damaged beyond repairs.

• Hiring Costs – Imagine a scenario where you need to perform in a concert and your instrument has been stolen or damaged during transit. In such a situation making an alternate arrangement for the performance would precede all other thoughts in your mind. Opt for an insurance policy that covers the cost of hiring an instrument in such circumstances. This may not be a standard coverage and come as an add-on package.

It is important that you choose a reputable insurance agency that exclusively caters to the needs of musicians. Some background research on them is a must before you think of hiring them.