Piccolo Insurance Offers the Relaxation You Need

What is the most important ingredient for composing soothing music? A calm and peaceful mind would surely be the answer. But piccolo players like all other modern musicians are pre-occupied with other aspects of their profession. Music is big business these days and you always need to bring in strong business acumen to the table if you want to establish yourself in this competitive industry. One of the ways to do so is to take necessary steps to secure your career and instruments from all kinds of risks. Piccolo insurance is a must for any amateur or professional who plays this instrument. These insurance plans offer you the peace of mind that you would be looking for.

Dealing With Uncertainties
The music industry has become very dynamic these day and amidst this dynamism and vibrancy if there is one thing that is certain it is the ‘uncertainties’ that you have to deal with every day. Image losing your precious instrument when you are about to perform in an event, or having to deal with a litigation which holds you liable for someone’s injury – these are definitely not happy thoughts. Life surely cannot be harsher but as a modern day musician you will have to take these things in stride and be prepared for such eventualities with an insurance plan.

Theft - We come across regular stories of equipment being stolen from stage and during transit. While you would take every possible step to prevent such events, there are certain occasions where all your precautions fail. While a Piccolo insurance plan won’t be able to heal the emotional loss they would take care of all the financial consequences of such an unfortunate event. Whether you choose ‘New for Old’ or ‘Fixed Price’ plan the insurance company would compensate you adequately. Even if your piccolo or any other instrument is stolen from your home you would receive compensation. Remember your homeowners plan doesn’t quite protect you completely.  

Damage – All musical instruments are susceptible to damage and Piccolo being a delicate instrument your risk magnifies. Repairing it can cost you quite a lot and if your instrument is of premium quality the bill can really shoot up. An insurance plan would take care of the entire cost of repair and you wouldn’t need to spend anything from your pocket. Also they let you hire a similar instrument during the interim period to fulfill all your prior commitments when your instrument is being repaired.

Liability – While you may think the piccolo to be a harmless instrument as a musician you always need to protect yourself against all kinds of liability. If you run a home music school, you can be held liable for any injuries that students may suffer at your home. The medical bills and other compensation claims can often run in thousands of dollars and having an insurance plan offers you respite from such third-party claims.

With all these benefits a piccolo insurance plan helps you stay relaxed allowing you to compose and play some of melodious tunes whether you play solo or as a part of an orchestra. 

Event Liability Insurance Protects You against All Odds

There are more than 500,000 people who work as event planners in the United States. Majority of them are engaged in organizing musical events. While most of these are small events that may not make the news headlines or create buzz in the social media, others work behind mega events. Irrespective of the size and scale of the events and the stature of the musicians involved there is always an element of risk involved in organizing such events. Accidents, incidents and event cancellations are pretty common and they can hurt you financially. In worst cases they may give a killer blow to your name and career.

Sadly many event promoters seem to realize the importance of event liability insurance only when an unfortunate event strikes them. However there is a growing interest among people in the music industry to buy insurance plans and the entry of insurance companies that specifically cater to the music industry is leading this awareness. As a professional event promoter you cannot afford to make such a mistake and need an insurance plan that would help you cope up with litigations and other kinds of financial obligations in case your event doesn’t go as planned. These plans protect you against many odds.

Accidents & Injuries   
Accidents and injuries are surely among the worst fear for any music promoter. While you may take every possible step to ensure that everything is in order, there is little that you can do to prevent an accident or the crowd turning unruly. In such cases there are always chances of bodily injuries and as an event promoter you can be held liable under the most flimsy grounds and may have to bear the treatment costs. When you are covered under insurance plans these take care of any financial liabilities arising out of accidents and injuries during your event.

Event Cancellation      
There is a lot of investment that goes into organizing a musical event. From paying the performers to arranging for their transport and accommodation you would spend thousands of dollars. Add to this cost of renting the venue and hiring necessary equipment and promoting your event. If bad weather plays spoilsport or the artists fall ill, it can lead to cancellation of the event which would mean you are in for serious loss. This is where event liability insurance compensates you on all your input costs and also helps you deal with all payment obligations related to the cancelled event. 

Property Damage         
Whether you are organizing the event in an indoor auditorium or in an outdoor location there is always the risk of damage to the property. This may occur while setting up the heavy audio and lighting equipment at the venue or when there is a commotion among the crowd. As the event manager you would have to bear the entire repair and replacement costs resulting out of such damages. Your insurance plan would offer you the financial protection that you need in such cases.

As an event planner you cannot afford to keep anything to chance. Buy event liability insurance today and secure your interests. 

Why Concert Insurance Is Must for Any Music Promoter

Life on the road as a music promoter can be thrilling but as they say it is rife with challenges. This is perhaps the reason is why being a music promoter is one of the toughest jobs in the industry. You are responsible for the musicians, their instruments; the sound and lighting equipment used during the event and of course your fans. Be it a rock show or a classical event you can afford to take no chances while arranging an event and plan it out meticulously. But even the best of planning and arrangement may not be able to prevent an unfortunate event on the day of the show, prior to it or after it has been successfully organized. In such cases the only thing that you can turn to is your insurance plan. Concert insurance has become popular among all professional music promoters and there are many reasons you should invest in such a plan.

The Risk To Fans & Musicians      
Irrespective of the size and scale of your event there is always an element of risk that the musicians and fans are exposed to. The temporary stage that you create for the concert may cave in and cause injury to the fans and those performing. A section of the crowd may turn violent or be overwhelmed leading to injuries. In all such cases without a concert insurance plan you would have to deal with third-party claims, settle medical bills, loss of wages and deal with other types of compensation. An insurance plan with liability coverage would shield you against such claims. They cover medical costs for all who have suffered injuries during your event or when the crew members are setting up or dismantling temporary structures erected for the event. These plans also cover any damage to the indoor or outdoor property while staging the event.     

Damage To The Equipment 
Like fans and musicians the equipment used during the event are also at great risk at various stages during the event. All the equipment has to be transported to the venue and from it before and after the event. There is also a process of loading and unloading equipment exposing them to the risk of breakage. Also there is the risk of the equipment suffering damage during violence or when there is any other kind of damage to the property during the event. A concert insurance plan would cover total or partial damage to the equipment and take care of the repair and replacement costs involved. They also take care of the damage and loss of equipment whether self-owned or rented when it is being transported from one location to another.

Concert insurance plans offer you the financial protection that you need while organizing events. They also take care of your needs in case of cancellation of events due to bad weather and other reasons. While choosing a plan make sure it covers risks which even have the remotest possibility of occurrence. They should offer you complete peace of mind and let you focus on making the event successful.

Things You Need To Consider Before Buying Oboe Insurance

Performing to entertain people is perhaps as old as human being first left their nomadic life and settled down in what is often termed as early civilizations. Since time immemorial music has been the highest form of performance and has been appreciated throughout human history. In the world musicians continue to charm and entertain people. But while the modern world has given musicians large platforms to perform and entertaining their fans, it has also thrown up many new challenges. As a musician who plays the Oboe or other musical instrument, you need to wake up and know about the risks associated with the profession. From damage to your instrument to liability claims, you need to protect yourself against risks with oboe insurance. If you are planning to buy oboe insurance, here are a few things that you must consider. 

·         Plan for The Worst – Don’t treat insurance as a customary aspect of your profession. You must remember insurance is bought when things are good and are great to protect you from ugly circumstances that your profession might put you into. So when you are buying insurance you need to plan for the worst case scenario. Your instrument may be damaged beyond repair or you may lose it a day before you are scheduled to perform. Make sure the plan you are buying would protect you against all the financial burdens that such situations put you under. 

·         Financial Coverage – What does the insurance plan cover? There are insurance plans that are available at dirt cheap premiums but often offer you limited protection. As we have already stated above, the risks in the modern world are many as a fan may damage your instrument in a moment of madness or you could lose your instrument in transit. The insurance plan should compensate you adequately in case of loss of the instrument and offer you replacement costs for a new one. In case of damage it should cover the entire cost of repair. 

·      Beyond Physical Loss and Repair – One of the common mistakes that people make while buying insurance for their musical instrument is that the plans are limited to damage and loss of the instrument. But how would you deal with a situation when there are third party claims from fans regarding bodily injuries that may happen in your concert? What would you do when one of your students suffers injury at your home music school? What about a situation when your instrument causes damage to the recording studio? It is importantto purchase a plan that would protect you financially as well as safeguard your name in all such circumstances. If you run a music school you need to buy music instructors insurance. You can afford to make no compromises in a competitive industry where the stakes are so high.

These thinks kept in mind will help you buy the right insurance plan that caters to your needs. However you must always do a detailed background check on your insurer. There are shady areas in this industry and hence you need to buy insurance plan from a company that has impeccable reputation in the market.

Concert Insurance Mistakes That You Should Avoid

If you play at concerts or organize them, you would be aware of the effort it takes to stage a concert. From promoting the event to managing it successfully there are challenges at every stage of these events. Where there are challenges, there are risks and as a professional you need to prepare for them that come with such events. Concert insurance is your perfect safety net protecting you from all risks associated with these events. These insurance plans have been designed to meet the needs of musicians and event organizers. However choosing a concert insurance plan can be tricky and here are some mistakes that you must avoid.

Ignoring Research on the Insurer
Insurance industry wouldn't top the chart when we look at it from the prism of ethics. There are a number of companies that merely mint money from their clients and deny them the compensation and coverage when need arises. Hence you need to be extremely careful in choosing an insurance company to buy insurance for your concert or musical instruments. Do take a look at the ratings they enjoy among their customers and read reviews about them. This would help you choose a professional company that covers your needs.

Ignoring Event Liability Insurance
There are a hundred things that can go wrong during an event and this can lead to physical injuries and damage to property. If the insurance plan doesn't offer you liability coverage it is of little good and doesn't protect your interests. We regularly come across news of injury to fans due to violence or accidents and in such cases you will have to deal with third-party claims if you don't opt for event liability insurance. Quite same is the case with damage to property and the top venues would simply not allow a musician or a group to perform without this coverage.

Leaving It To The Mercy of Fate
Another major mistake that many performers as well as organizers make is leaving the event to the mercy of fate. Weather often causes disasters at music events and affects ones that are staged open air. Also the performer may fall ill or there may be another unforeseen thing that can lead to cancellation of the event. So leaving the event to the mercy of fate is one of the costliest mistakes that you would be making. You need to buy an insurance plan that offers you weather coverage and also covers cancellation of the event.

Not Looking Elsewhere
If you had bought a concert insurance plan in the past and were satisfied with the insurer, you would be going to the same insurer, right? Wrong. While the insurer may have offered you the best plan at the best price in the past, not looking elsewhere may be a costly mistake. The music insurance industry is dynamic and there is intense competition among the insurer and not looking elsewhere may deny you of the best plan for your needs.

These are the mistakes that you should avoid at any cost while buying concert insurance or any other kind of insurance plan for your needs.