Are you Covered with Apt Insurance this Season?

As a music teacher, you often have students visiting your studio or residence. In some cases, you may have to go to the student's place to complete your tutoring. Teaching music involves instruments that support vocal, which means either you are carrying your instruments or, have some instrument in your own studio. Have you ever given music teacher insurance a thought? If not, it is high time you did, before you start the next term with your students. In case you are not backed by insurance, you will need to shell out the money for the claim that your student has made or, any other authority has made towards you.

There are various insurance covers available for you, and you will need to make a choice by clubbing a few policies. You can even add insurance to your home owner's policy to make it more effective, covering all your needs.

Obviously, there are guidelines that you need to follow so that you opt for the insurance that is defined to meet your purpose. Here we will take you through the insurance that is available for you, and the points you should be considering while choosing one.

Types of Insurance

1. Liability Insurance Cover: What if something happens while you leave to teach your students or, when you are at your studio teaching someone? Are you covered for it? Do you believe that if someone comes to claim for the losses, you can offer them the monetary or other types of refund? When your student gets hurt at your doorstep or, you fall prey to some damage when you arrive at their house to teach them, the liability insurance will take care of the damage. The claims will compensate, thus ensuring no cost is added to your bucket

2. Equipment Insurance Cover: When you have your own home studio or, you are visiting your student to teach them music, you have your own gear with you. Sometimes, the number of instruments exceeds one, and you will need to protect them all. In case, your instrument is damaged while you are traveling or, when some calamity strikes your studio, are you ready to pay up for the damages? Instead of bearing the losses, it is ideal for you to get covered with equipment insurance. This will make sure you are compensated for all the losses you are to face while teaching music. It is part of the music teacher insurance, and should be given importance

3. Interruption Insurance: What if due to some unforeseen event, you lose the instrument that helps you conduct business? This can lead to losses in the business. To avoid losing even a single business day, it is good to have an interruption insurance cover. This will make sure you don't have to pay for the claims, and you are covered for all sorts of interruptions

Music teacher insurance covers all aspects that have been mentioned here. MusicInstrumentsINS.com offers insurance cover suited to meet your needs, and helps you recover losses with a smile.

4 Reasons to Get Event Liability Insurance

What is the first thing that comes to your mind when you think of the term insurance policy? Most people think in the conventional ones and they include homeowner's insurance, car insurance and others. Has it ever occurred to you that there could be something like event liability insurance? This is basically taken for special events to cover the expenses caused by the damages.

There are many events that attract attention, specially the concerts and car shows which are more musical in nature. When your event goes successful, it is money well-spent for you. While events can be quite expensive, not having event insurance can increase your costs. That's precisely why you should always invest in liability insurance that can secure your event. Here we will take you through five reasons why event liability insurance is a necessity for you.

Accident Coverage

With event insurance, you are insuring your concerts or other special events against the accidents that may occur. It is this cover that can protect organizers and vendors from adding costs of damage and repairs. If you have a concert, and your performer meets with an accident while performing, the liability insurance will take care of this issue on hand. In fact, the cover also takes care of all the accident related damage that you may face when organizing a concert.

Property Damage

Imagine organizing a concert that eventually causes damage to the property owing to unforeseen circumstances. Now, that can spoil the entire show! What if you are required to pay for the damage costs? That can add trouble in paradise. One side you really wanted the concert to work, which has been cancelled owing to the damage, and on the other hand you are required to pay up for the damage. With the liability insurance, you are covered for this damage. You will need to find out the amount that you want covered for the special event you are organizing.

Insured for Liquor

You need permits to have liquor at your event. The reason being an intoxicated person can cause damage to another person attending the event or, to the property where the event is taking place. With the event insurance, you are protecting the event holders and vendors for the damage caused by liquor they will be serving. Such insurance is a must for expensive events.

Care & Custody Liability

Let's say you are using another person's premises for the event, and you cause damage to a large section out of carelessness. This can cost you majorly, and you will not be able to avoid paying up. If you want to prevent adding up to the cost of your event, it is a good idea to take the liability insurance that covers care and custody. So, if someone in the party happens to be careless, this insurance will take care of the costs.

If you don't want to spend premium by taking each cover individually, you can choose a comprehensive event liability insurance that is customized to meet your needs individually. MusicinstrumentsINS.com offers a wide range of custom insurance solutions that cater to your event needs, and ensure you have complete fallback for claims.

Why Do You Need a Good Concert Insurance?

Most of concert organizers question the importance of concert insurance. They are not sure whether they should invest in one or not, and what all aspects should the insurance cover. The concert could be a large-scale one or, something really intimate or a black tie event, depending on the type of music being played and the musicians participating in the event. A concert is basically a profitable event, which ensures that success of the musician. While, the experience keeps the audience alive, there are risks involved in a concert too. Some things are definitely outside your control, and you need to make sure you are completely covered for this.

One of the major things that cause trouble in the concert paradise is the conflict between the artists performing. There have been events that got cancelled because there was a clash between those playing at the concert. This can become a cause of loss for the organizers, and the question remains-who will bear the cost of that loss? When you are signing in singers for a concert, you need to protect yours as well as their best interests with concert insurance.

One of the important elements that should be covered in this insurance is event cancellation. The entire amount should be received as claim amount in case some unthinkable event causes cancellation of the concert.

What is a Concert Insurance?
When a huge crowd gathers, there are hidden risks to this event, specifically when this event involves electricity, equipment that needs lights, sound, and special effects. All the aspects involved with a concert can cause accidents, injuries or, other troubles. These factors can cause damage to the equipment, instrument, stage and scaffolding. Sometimes the technicians, musician and other stage specialists can suffer from injuries while preparing the stage for the concert.

This is where concert insurance plays an important role. It will protect you from these accidents, injuries and other forms of damage by offering you complete concert cover. The concert insurance can be availed in the monthly or yearly format. In case the stage falls while the musician is performing, the apt concert insurance will cover this clause too, and offer you money against the damage.

The Best Policy
When choosing a concert insurance policy, you need to ensure all the points eligible to your company are covered under the policy.

If you are traveling with your gear, make sure the policy covers this aspect as well, as a damaged or lost instrument can cause troubles in the concert’s paradise. Musician’s health and other problems that may occur leading to cancellation of the concert should also be covered in this insurance.

Cancellation is an important part of the concert. Due to unforeseen circumstances, your concert can get cancelled- which involves man-made or natural calamities, and your insurance should cover this part too. Make sure you have a checklist ready before plunging into the purchase.

Evaluate your instrument, and make sure you choose a policy that covers all the costs possible.

Why You Should Avail The Event Liability Insurance for Special Events?

Event liability insurance is basically a safeguard against any casualities that may occur when conducting a special event. Haven’t you heard of special events being cancelled owing to weather conditions, attacks of any kind or, other factors which could be both man-made and natural? The losses that the event holders and the staff have to face in this situation are quite high, and there is no security against it. Imagine, buying a pass to special event, and not being able to attend it because it got cancelled. The attendees are also part of the loss. The question now arises- who will bear the loss in this case?

This is why event liability insurance is a must for all sorts of events, especially music concerts and other music related events which occur on a grand scale, and can lead to huge losses.

Events that Need Liability Insurance
It is important to understand which events require a liability insurance, before going ahead with the purchase. Weddings, corporate events, business events and some special events should get this cover even before staging the event. Sporting events, and musical events involve high valued equipment, stars and other major expenses associated with them. The stage and other aspects of the event cost real high for musical events. Such events where the value of the equipment is as high as that of the person involved, the liability insurance is a must.

When you are applying for this special insurance cover, you need to see if liquor would be served during the event, as that would be an added liability and would not be included in the already included list of liabilities. Collapse of structures, fixtures, seating issues and other such issues should be covered in the event liability insurance.

In sporting or musical event, injuries, assault and other such issues that cause personal damage should be covered by the liability insurance that you are purchasing. Make a list of all the possible damages, and get the cover that appropriately takes care of it.

Hassle-free Claims
Choosing the right insurance provider is a must for all those who are planning to buy a liability insurance for their special events. Not all insurance providers will be transparent about the claim process. If you have a multi-city tour for your musical band, and face issues while on the tour, you should be able to claim the insurance right at the moment, so that you can steer clear of the losses.

At a point when your instrument is lost or damaged, the insurance claim should be immediate so that you can get a replacement just before you kick start with your concert.

To get the best protection, you will need to get an idea of all the possible things that can happen. Of course, there are some things that are beyond your control and comprehension, which can be excluded from the policy or, should be included in others in a very subtle manner.

To get affordable event liability insurance, you can get in touch with us at Musical Instruments INS. We cater to your insurance needs by gathering your requirements and promising you the appropriate insurance.