Things to Consider When Choosing a Concert Insurance

Are you a concert organizer? Have you ever thought of having your concert insured? Well, most of us tend to believe that the concert requires no insurance. However, that is not true. Your concert needs every bit of insurance, similar to that of your car or home or life. You have a certain set of liabilities that you cannot ignore and you will need to opt for the insurance solutions that will take care of the necessities.

As a musician, you will have to go for a lot of events and the organizers may or may not have your show insured. Under these circumstances, you need to obtain the insurance yourself, and make sure that all the points are covered.

How would you know if the insurance is the perfect solution for you? here are a few points that will help you know if the insurance is worthy or not. Let's get started.

Covers all the accident responsibilities
It is not the first time that you are hearing about accidents that occur when you are holding an event. A lot of events end in mishaps owing to natural or man-made disasters. An event insurance policy will help you against these mishaps, and will prevent you from facing the losses that comes with it.

Insures the damages done to the property
Imagine what will happen when someone gatecrashes your event, and breaks everything they can get hold of. You will start looking into your pockets for money to pay for this damage. The property damage is more expensive when compared to the other types of damage that occurs in the events. The cost of repairs can put a hole in your pockets. With the right insurance, you will get money for the repairs. This means, you just need to stress on a lost event.

Takes care of the liabilities
This is yet another factor that most people tend to ignore. When you are renting out your event on someone else's property, the care for the property becomes your headache. A small mistake by the crowd can cause damage to the belongings of the owner, which can irk them. This can become a liability for you, which needs to be paid off from your pockets. To avoid this, you should take the insurance that protects the assets and controls the liabilities involved.

Offers liquor insurance
An event involving liquor can be a problem. If your audience misbehaves after consuming the liquor and someone sues you for the same, the liquor clause in your insurance can help you. If someone destroys the property because they are drunk, you can pay for the repairs and other liabilities with the insurance money.

Crowd management is included
The crowd needs to be managed in any concert, and you are liable for the damages that are caused as part of the event team. If your organizer does not have it included, make sure your insurance covers up the damages due to crowd mismanagement. You will be able to pay up for your band's medical and asset expenses with the concert insurance.

When the bands play for you, there is a certain liability involved. If they don't show up or owing to some issues at the premises, they are unable to play, you have the costs covered by the insurance. If one or more of the band members get hurt, you can cover their medical expenses with the concert insurance.

How to Choose a Good Music Teacher Insurance ?

A good music teacher ensures that their students learn whatever is being taught in the best possible manner. They make the lessons easy on the students and ensure complete learning. It is important, therefore, for the teacher to have a good insurance that will protect their lessons, and give them a better way of living. Even when they miss out on few lessons or are unable to provide for their illness, the insurance will take care of all the issues. It will keep the copyright to the lessons alive.

How to choose an insurance is always something that gets people thinking. Some believe the single insurance should cover all the potential points while, there are others that believe that individual insurance should cover the details. However, you need to plan according to your needs. Here, we will give you some salient points that should help you choose a good insurance cover for your needs.

Plan ahead

It is important you plan your insurance cover ahead of buying it. If it is instrument insurance, the cover needs would be different from the studio insurance, and so on. When you are buying an instrument or planning to set-up a studio, you should also plan for the insurance. Here are a few things you might want to plan for when choosing the insurance

Do you want the insurance to protect your instrument against robbery and damages caused while travelling?

Do you have assets in the studio that you aim to protect with the help of insurance?

Do you have equipment and people working for you that need to be insured?

These questions will help you plan the inclusions as well as the assets you want to protect. This done, you can plan to move to the next step.

Requirement checklist
Make the checklist of all your requirements for the insurance. You know what all you want protected by now. This list will help you check the providers and compare them easily. So, take some time out to prepare this checklist.

Start listing the providers
Once you are done with the checklist, you might want to research the music insurance companies that can help you with the insurance you are looking for. These providers are too many, and there are a few that are really good, and offer you just what you want.

Make a list of all these providers that offer the insurance you are looking for. This list will help you identify and purchase the right insurance cover.

Compare and shortlist
This is where you need to work with the checklist you had prepared. Start comparing the providers you have shortlisted using certain methods against your checklist. The ones that match your checklist are the ones you are likely to buy your insurance from. Once this list is ready, run down the budget comparison. The premium you are supposed to pay for the insurance cover has a huge role to play in your final purchase decision.

Check reviews and ratings
When you are done with the shortlisting parameters, you may want to check the reviews and ratings. The ones that are rated well are your go-to choice. This will help you come down to the choice of music teacher insurance.

Choosing a Good Clarinet along with a Decent Clarinet Insurance Online

The woodwind family of instruments, i.e. the Oboe, Clarinet, Saxophone and the flute are all differentiated based on their sizes and their construction. They are all made of wood, and produce a bass and deep sound, which is why they are known as woodwind instrument. Of course, times have changed, and the instruments have all gone to metal-based. Clarinet holds a central position in the orchestra, and due to its overtones and well constructed mouth piece, produces an excellent sound.

The tone hole positions help determine the number & length of finger that will help you conveniently play the woodwind instruments. The octave notes are dependent on the hand movements. The tone holes are placed along an equally tempered scale.

When it comes to choosing the Clarinet, here are a few things that you need to know

Size matters for instrument
The size of the player plays a significant role in deciding the woodwind instrument that you should be buying. Most players start with a flute or a clarinet, and they are good for people between 10 and 12 years. A student with small hands may not be able to cover all the tone holes which can cause the tones to produce wrong sounds. It is important that you buy the instrument that fits your hands perfectly. The idea is to be able to hold the instrument comfortably.

The front teeth are essential
It is important that the front teeth be present when you are out to pick up the woodwind instrument. The front teeth help in supporting the embouchure of your woodwind instrument. Braces will also not help you play the instrument perfectly. In fact, without the front teeth you will feel the pain when playing the instrument. You can use orthodontic wax that will help minimize the discomfort.

Focus helps attain more
When picking a woodwind instrument, make sure yo take the concentration levels into consideration. The beginner woodwind instrument will help the players concentrate for some time say 10-15 minutes, which allows them to focus on playing and learning. Clarinet or flute is good for beginners while, you should opt for bassoon or oboe if you are at an advanced level both age and musical knowledge wise. The reason being the oboe or the bassoon is a more complex and advanced level instrument requiring higher concentration levels.

Insurance helps give your instrument a long life
When you are buying the instrument, it would be a shame to ignore the insurance that will protect your woodwind instrument. You should ideally look for providers who can offer your instrument protection, and be able to take care of its service and maintenance needs. Choosing the provider requires a lot of research and understanding of the type of insurance you want, the providers that offer it, and the budget at which they offer the insurance.

When choosing the right clarinet insurance provider, give more points to the provider's experience and expertise above other things.

The Growing Need for a Good Concert Insurance

Concerts are a big deal for the musician, as it gives them a good exposure and helps them build a sound audience base. However, there are concerts where any loss is not recorded. It may be good for your career but, when it comes to managing your instruments and your health, the concerts don't really take into consideration everything that you might need. With every concert, there are different needs exhibited by the attendees as well as the musicians.

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.

Here are a few reasons to own the 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.

• 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.

• If you want a tailor made insurance policy for the concerts, just call us at Clarionins. We are known for affordable and highly personalized insurance solutions.