Why Should You Get Musical Instruments Insurance for Your Child?

Does your child have an interest in musical instruments? Are you planning to buy his or her favorite instrument soon? Well, feeling enthusiastic in learning instruments is pretty common for youngsters and it can turn out to be very enriching if he or she truly enjoys the journey. As a concerned parent, you should always appreciate your child’s passion for music and helping him or her choose the right instrument is the very first step of encouragement. At the same time, you should also remember that no musical instrument is eternal. If your child has a clear affinity for music, it is also important to get musical instruments insurance in order to safeguard his or her instrument. A comprehensive insurance plan that accommodates children’s instruments not only provides you with full-fledged financial protection but also ensures a great learning experience for the child. Here is everything that you need to know about it.

How to Buy Musical Instruments for Your Child?

It all starts with finding a high-quality instrument that suits the taste of your child perfectly. Though it seems to be a daunting task, you can do it easily by considering a few simple factors like age, personality, interest, and budget. Take your time and conduct thorough research before investing your money in an expensive musical instrument, especially if you are thinking long-term. Also, choose a leading music retailer and visit the store in person so that your child can try out different items and you find the best product at a discounted price.

Why Get Insurance for Your Child’s Instrument?

While purchasing an instrument for your child, make sure that you insure it immediately. Check out how it can help you:

•    Musical instruments can be super expensive sometimes. So, any mishap to it can cause you serious financial loss. The risks become even greater when they are played by innocent children. Although insurance cannot fill the emotional void created due to loss, theft, or damage to your child’s favorite instrument, it can certainly give you complete peace of mind in terms of investment.

•    Extensive care and maintenance are necessary to preserve musical instruments in their actual conditions. Some instruments are even sensitive to temperature extremities and hence, require proper storage. But it is really difficult for any child to take the utmost care of an instrument, which results in regular repairing, replacement, and servicing. Tuning, replacing parts, changing accessories, and yearly adjustments can cost you significant amounts of dollars. However, the right insurance program offers coverage for all of these.

•    Your child’s music education can be a long-term investment and it is prudent to make financial considerations for it beforehand. An insurance policy can help you plan for the costs of his or her lessons and examinations. If your youngster is very much involved in music and if it is in his or her plans, this will be a wise decision from your end.

Things to Know about Children’s Instruments Insurance

When it comes to insuring your child’s musical instrument, it is always better to go for a stand-alone policy instead of having a separate rider on your homeowner’s or renter’s insurance. You can buy a specialized insurance program in your name and cover the item for use by your child. Typically, a customized coverage protects all types of musical instruments and their accessories against loss, theft, etc. in and outside the property. Accidental damage like dropping the instrument or spilling a drink on it is also covered by the policy. It covers you for the costs of repairing and maintenance of the instrument too. Hiring a temporary replacement while your instrument is undergoing repair also comes under this coverage.

Purchasing musical instruments insurance for your child may not be compulsory but it is definitely worth the investment in the long run. If you are yet to get one for your youngster, just go ahead and make the right choice.

Important Facts about the Piccolo Instrument Insurance

Piccolo, it’s a musical instrument that newbie musicians often get started with, however, for a professional flutist or a flute enthusiast; it’s more like an addition to their collection. Although playing the piccolo is not a child’s play, but it’s a lot of fun. It is mainly heard in marching bands, college, and high school orchestras. And, as far as professional musicians are concerned, this woodwind instrument is a great way to showcase their skills in terms of depth and flexibility. 

The piccolo, although overlooked, is an integral part of the woodwind musical instrument family. Let’s take a quick look at some of the most important and lesser-known facts about the same.

●    The piccolo belongs to the woodwind family. It’s the same family that includes clarinet, flute, saxophone, and oboe. The piccolo is considered the highest-pitched woodwind instrument. It’s, in fact, an entire octave higher in pitch in comparison to a flute and half the size of a flute.

●    If you go down the history, you will find that piccolo didn’t have keys. However, over time, this instrument has evolved into a musical instrument that more or less similar to a flute. No matter what, the piccolo is regarded as a unique asset to the group of woodwind instruments.

●    A piccolo is also known as a flautino or petite flute. And, in the Italian language, the piccolo is often used as an adjective to define several musical instruments that are small in size and offer the highest pitch in the category.

●    The piccolo is also confused with another instrument called fife. Although the latter resembles the former in form, the latter produces a much shriller and louder sound.

●    This instrument was mainly designed for military bands in order to make the parts of the flute more prominent. Earlier piccolos used to have the key of  D♭. However, now, it is available only in the Key of C.

●    This musical instrument can sometimes get challenging while turning. And, as human ears can easily realize its increasing and decreasing wavelengths, it’s very easy to notice, if it gets out-of-tune. In fact, it can ruin the audio performance of an entire band. In order to put an out of tune piccolo in place, comprehensive ear schooling can be used. However, it can take a lot of effort, focus, exercise to receive that sort of ability.

●    If you are looking for some famous parts of piccolo, you can listen to Beethoven’s Egmont ov or The Stars and Stripes Forever by John Philip Sousa. The increased notes struck by a piccolo can be quite shrilly. Therefore, the total capabilities of this instrument are left from being explored. It is usually played solo.

So, these are some of the most interesting as well as lesser-known facts about Piccolo. If you own a piccolo or if you are a professional musician, then you should also understand that a Piccolo Insurance is something you cannot ignore, no matter what.

Insurance is important

Insurance policies dedicated to musical instruments ensure that your gears are protected from all sorts of unforeseen situations. Earthquake, fire, flood, fraud, theft, or loss due to any other reason, to name some. So, if you haven’t covered your piccolo under a suitable insurance plan yet, probably, you should give a second thought to it.

Piccolo Insurance plans available with reliable insurance service providers are designed according to your needs and financial constraints. It’s not just the piccolo, but regardless of the type of musical instrument you own, you should make sure to insure it under a comprehensive insurance policy. And, also, your homeowner’s insurance plan is less likely to provide your gear with sufficient coverage. So, it would be wise to get in touch with a customer-oriented insurance agency, right away!

Why Oboe Owners Need Standalone Oboe Insurance Plans and Not Just Homeowner’s Insurance?

Did you leave your oboe unattended at the studio and later found that it’s gone missing? Did a crew member accidentally drop your instrument while preparing for a concert?

If you come across such situations in real life, the world will feel like falling apart, isn’t it? Sad, but true, such unwanted scenarios do happen in real life. No matter whether you or someone else is at fault, as a musician, nothing can be as tormenting as losing your instrument. In order to make sure that your musical instrument is well protected against such unwanted cases, as an owner of an oboe, it is highly advisable that you get an Oboe Insurance cover, right away.

Do you actually need a standalone musical instrument insurance plan?

Musical instrument insurance - One cover multiple benefits

Standalone musical gear insurance plans cover a wide range of risks associated with musical instruments. And, the benefits exceed those of the regular homeowner’s insurance policies. So, yes, getting a standalone musical instrument is essential.

Homeowner’s insurance means limited cover

Your homeowner’s insurance plan, yes, it will cover your musical instruments under certain limitations. It will cover your gear when inside the premises of your home. Or, offer a maximum of supplemental off-premises cover inside a hotel room, etc., provided if you’ve opted for it.

The full value of the sum insured

Another catch with homeowner’s insurance plans is, such insurance plans cover a certain percentage of the cost of the instrument insured. So, if you own an expensive oboe, like a really expensive one, your gear might not be covered adequately.

Overall protection you will not get otherwise

In contrary to homeowner’s insurance, standalone musical instrument policies not only offer overall protection to the insured gears but also cover theft, damage caused while the thing is in transit as well as natural calamities. Apart from the musical gears, the associated accessories like, sheet music, cases, music stands, etc. are also covered.

 Let’s have a detailed look at what dedicated musical insurance policies offer -

●    Damage to your musical instruments
●    Loss as a result of burglary, theft, extortion, and similar reasons
●    Cases of fraud and embezzlement
●    Damage due to fire, flood, lightning, storm, etc.

Some more aspects covered under standalone musical insurance taken from a reliable service provider include the following -

●    Apart from musical instruments, the standalone policies available with reputable insurance agencies are more likely to cover any related accessories like bags, holders, cases, etc.

●    Electrical and electronic equipment used for sound and lighting, such as microphones, speakers, amplifiers, and transmitters, etc. are also covered, unlike homeowners’ insurance plans.

●    When you have a dedicated insurance policy for your oboe from a reliable service provider, you are likely to get the full amount of insured value, in case you lose your gear. Moreover, you'll get the full cost of repair for getting the same repaired, if damaged.

●    Professional musicians do need to travel the world for various shows and concerts. Are you one of them? What if you lose your oboe while touring? What if it gets damaged when you are in another country? There is nothing to be worried about when your gear is covered under a suitable musical insurance plan. The reason - you are likely to get worldwide cover.

So, when you can leverage a world of benefit simply by getting a standalone Oboe Insurance plan, don’t you think it’s worth investing in it? Besides, so many benefits, you’ll also get peace of mind for sure. So, write down your requirements from your policy, search online, ask quotations from multiple service providers and choose a policy that you think will meet your requirements.

Music Teacher Insurance – What Should Every Music Tutor Know About It?

The profession of a music teacher seems to be the safest deal ever as you turn your passion for music into your living in it. But in reality, there is nothing called ‘pitch-perfect’. Not even your music teaching career. No matter how risk-free it looks, there are quite a few things that can possibly go wrong. From a disastrous school concert to a sudden accident at the student’s home – a claim for compensation can follow anytime and those can cost you serious money. In such situations, having an appropriate insurance cover is invaluable as it will take the best care of your business whenever you will be at the sharp end of a claim. If you are having a studio, teaching in a school, or working as a private music tutor, specialized music teacher insurance is a must for you. Here is everything you should know about it.

What is Insurance for Music Teachers?

This is a distinctive insurance policy, which is specifically designed for music tutors to keep them covered for all risks and liabilities. Though teaching music is extremely satisfying in terms of improving relevant knowledge and skills, it can make professional musicians encounter a range of unexpected incidents too. Some of them can even leave behind a trail of debt and financial liabilities. Whether you are teaching from your home, at your student’s place, or a third-party studio, a policy can give you solid monetary protection always. In short, it protects against threats in all circumstances and ensures complete peace of mind so that music teachers can concentrate on their passions, careers, and businesses.

Why Do Music Teachers Need Insurance?

With a tailor-made insurance coverage at hand, you will never feel left out as a music teacher. It helps you make sure that everything – from your instruments to your students – stays protected.

Check out the reasons for which you need the highest level of cover for your teaching career:

•    Offers policies that fit around your unique requirements unlike the regular homeowner’s insurance policy
•    Protects you both at your home and your student’s home while teaching music
•    Safeguards your instruments from the most common risks like loss, theft, and accidental damage
•    Covers all your musical equipment when left unattended in vehicles as well as during transit
•    Shields, you're earning when you are unable to work due to health issues or injuries
•    Strengthens your professional image and keeps your clients reassured about their safety

What are the Types of Insurance for Music Teachers?

Just like the methods and scales of music lessons vary extensively in the fast-evolving industry, the insurance requirements of music teachers also differ from each other. Therefore, robust insurance solutions for music teachers come in all shapes and sizes. These include:

1. Public Liability Insurance

Sometimes your students can get injured while having lessons from you or even you can end up becoming the cause of damage to third-party properties while teaching them. In such events, public liability insurance will cover both your legal liability and potential legal costs.

2. Professional Indemnity Insurance

When you are blamed for giving negligent advice to your students, professional indemnity insurance can help you defend the claims made against you. It not only covers any compensation awarded but also protects your reputation as well as a livelihood as a music teacher.

3. Instrument Insurance

If any of your beloved musical instruments, accessories, or equipment gets maliciously damaged or completely lost, an instrument insurance coverage can help you the most. It will cover the repairing or replacement expenses and save your pocketbook from adverse effects.

Now, as you have gathered all basic information, find a comprehensive music teacher insurance policy and safeguard your career right away.