Music Equipment Insurance - The Lifeline of Every Musician

Are you a music composer, a musician, or a Disk Jockey? If yes, then your music equipment is probably among your most valuable assets. So, how do you protect your entire musical paraphernalia against any loss or damage? Do you rely on your homeowner’s or renter's insurance policy for protecting your musical instruments? Your homeowner’s or renter’s insurance might cover your gears and musical accessories under certain caps. However, if you are looking for comprehensive coverage, resorting to specialized Music Equipment Insurance is the wisest thing to do. 

Why is specialized musical instrument insurance worth considering?

Is music not only your passion but also your profession? So, what do you do to shield your ability to keep on performing and earning your livelihood? We all know that life is all about uncertainties. And, anything unwanted and unforeseen can pop up out of the blue just anytime, especially when you least expect.

What if your musical equipment is stolen a couple of days before your gig? What if someone is injured when you were live on the stage? What if ‘that’ some claims for compensation of his/her medical bills? What if miscreants torch down your recording studio? What if robbers break into your store and steal the most expensive gear and accessories?

Third-party liabilities can be financially draining!

If you are a performing artist, a musician, you are always around people and vice-versa. Therefore, public liability cover is something you shouldn’t ignore at all. What if someone from the audience or crew members asks for compensation for his/her bodily injury or property damage? Without a public liability cover, you are more likely to land up in legal troubles. However, with the right third-party liability insurance cover, you don’t have to worry about compensating for third-party medical bills or property loss. Your insurance policy will take care of this.

Home insurance policy is not the right fit for your musical instrument!

Like most people, you might think that the scenarios mentioned above will be covered by your home insurance plan, especially when you have a home music studio. Although home insurance will cover some of your loss or damage, you are unlikely to get complete coverage. Plus, you might not get the value of the equipment according to its real value when you bought it. Generally, homeowner’s insurance does not cover your business resources. So, if you use your musical gears professionally, your homeowner’s insurance policy is very unlikely to cover the same.

A specialized musical instrument plan is just right for you!

Specialized Music Equipment Insurance plans are excellent. These policies are designed especially to cover the kinds of risks that can overwhelm a musician’s life and livelihood. These plans not only cover the instruments and offer the most appropriate values, but these also protect the musicians from public liabilities and lawsuits. So, if you are a musician and looking forward to insuring your musical gears and accessories, now is the time. Find a reliable and experienced service provider and get the cover right now.

Comparing multiple insurance providers is wise!

When it comes to finding the right insurance provider to cover your musical gears or music studio, all you need to do is research. Get multiple contacts, go to their websites or call them, inquire about the policies they offer, compare their services, premium amounts, and terms and conditions. It will help you choose an insurance plan that’s best for you and meet your requirements.

Nothing can compensate for the pain of losing a musical instrument. However, if you have sufficient insurance coverage, you can at least stay protected, financially.

Safeguard Yourself Financially with the Right Flute Insurance

The cases of musical instrument theft are not new to the music industry. If you leaf through a local newspaper or swap between news channels on the TV or the Internet, you will find multiple cases of musical instrument theft, shoplifters being caught on camera, and so on. It’s devastating and nightmarish for a musician, indeed. However, not having the right insurance cover for your gear is even worse.

If you are a musician, say a flutist, and then make sure to get a comprehensive cover for your woodwind instrument, now. A Flute Insurance from a trustworthy insurance service provider will do more good than you can imagine.

What if someone did not steal your musical instrument, but it happened to get damaged in a studio fire or flood or any other catastrophic event?

Will musical instrument insurance cover those events? Insurance policies do vary from one service provider to the other. But, most insurance policies intended to musicians and musical instruments, cover, more or less, all unforeseen possibilities, including loss and damage to the instrument and public liabilities.

Will your homeowner's insurance come to your rescue if your flute is stolen or damaged? Most people think that homeowners' cover would be enough for them, and it would cover their musical instruments too. If you also think alike, go through the following pointers -

Theft or damage outside the home?

Does your child play the flute? Most importantly, does he/she take the musical instrument to a music school or his/her college? In that case, if the flute is stolen or damaged outside the home, your home insurer is very less likely to cover the loss. However, dedicated musical instrument insurance will cover.

Are you a professional musician and perform in concerts?

Are you a professional musician and your flute is being used professionally to teach or play? If so, then your home insurance plan is unlikely to entertain any claim if your gear is stolen or damaged. But, a flute cover will ensure that you are protected financially in an event of loss or damage to the instrument.

Are you a frequent traveler?

Do you often fly abroad with your instruments? If yes, then make sure to get standalone musical instrument insurance for your flute because most reliable insurers offer worldwide coverage, unlike your homeowner’s insurance plan.

Is it a case of the missing flute?

What if your musical instrument goes missing while in transit? Your homeowner’s cover is very unlikely to help you with a missing flute. But, your flute cover with a trustworthy service provider will come to your rescue.

What would happen if unfortunately someone is injured by your instrument?

Public liability due to your musical instrument is probably not covered under home insurance policies. Therefore, the safest bet is to get a dedicated Flute Insurance.

So, these are some of the main reasons why you should go for a standalone and comprehensive musical instrument insurance plan for your flute. It will not only safeguard you financially but also emotionally.

How will you find the most suitable insurance for your dear flute?

Well, you will happen to find many options when looking for a suitable insurance cover for your musical instrument and accessories. However, it’s always a good idea to talk to your insurance providers in the first place and understand the ins-and-outs of a policy beforehand. This way, you not only save your hassles to find a suitable insurance plan but also make an informed choice. Reputable and customer-centric insurance service providers make sure you get the best possible coverage without shelling out a fortune.

Musical Instrument Insurance: Cost and Covers

Any musical instrument is considered as a prized possession to a musician. Suitable insurance for an instrument is highly advisable in case of any damage. If you are a musician and haven’t considered buying insurance for your musical instrument, then it is time to think about it. People lost their instrument due to various factors like damage or mishap during travel, theft, mishandling at the airport, overexposure to any other calamity like flood and fire.

Thus, Musical Instrument Insurance is for those owning expensive musical instrument and the cost of the insurance depends on the worth of the instrument. The factors which can affect the evaluation of the instrument are the condition, age, and quality. The foremost benefit of getting insurance for the instrument is that if anytime it gets damaged or stole, the insurance provider will give the full amount for replacing the instrument. 

Various musical instrument covers

1.    For the professionals

Musical instruments are expensive and must be insured. The Musical Instrument Insurance is especially suitable for the professionals and for persons using an instrument which is part of their activity like music teachers, collectors, luthiers, etc.

Insurance for musical instruments includes various covers. The most common covers are related to theft, fire, water damage and deterioration.  The premium of the insurance varies based on the musical instrument type and its worth.  As it is part of the profession of a musician, he or she might sometimes use various instruments while performing in a concert. Thus, for this profile, the insurance provider offers particular insurance which can give coverage up to 5 instruments. All-inclusive insurance is what the insurer looks for and gives the best possible guarantee to protect the instrument in a concert, musical tour or in a rehearsal.

2.    For amateur

Musicians who are amateur wishes to insure the instrument and this type of cover is found in some homeowner’s insurance contract. The contract does not cover those losses which take place outside the residence. Therefore, the guarantee of a breakage and theft policy is highly advisable.

Insurance cost

The cost of insurance for musical instruments depends on the value. A purchase bill is enough for the insurer to define premium that is to be paid. When it comes to expensive musical instruments or an exclusive piece, an experienced person assesses the value of the instrument and therefore the insurable value. The premium of the insurance varies between 1-2% of the value insured.

Ask for a quote

There are many insurance providers willing to offer insurance to the musicians. Whether you are a pro or an amateur, make sure that you do comprehensive research to find the best insurance provider. The provider must be so chosen that it offers the best insurance for the insurer. An in-depth search will enable you to choose the appropriate insurance for your precious instrument. When you begin your hunt for the best insurance provider for musical instruments, you will come across various companies, compare the cost that each one is offering and go for the one which suits your need.

There are many insurance companies which offer a free quote, feel free to ask the service provider before you proceed to associate with them. once the insurance of your instrument is done, you can have complete peace of mind and relax.

Summing up

Now no more brooding over the matter as what to do with your precious instrument; grab the instrument and move from one place to another for musical program or concert with your instrument without having any tension in mind. To get started, you are only a click or call away.

The Right Care and Piccolo Insurance - The Key to the Long Life of Your Instrument

Any musical instrument, whether it belongs to the woodwind family or string family, if you take care of it properly, clean and maintain it, as and when needed, it will be your musical partner for life. The more you take care of your piccolo, the better it will play. And, the better you can perform. Piccolo Insurance, along with proper daily care rituals, happens to be the most effective formula to make your life settled as a piccoloist. An insured musical instrument means you are free from all the worries that might bother you in the future in any event of loss or damage to your woodwind.

Assembling right is what every instrument deserves!

It all starts with assembling your gear in the right way. And, as far as piccolo is concerned, you need to count on two of the basic things.

●    The piccolo tenon cork is properly lubricated using high-quality cork grease. That’s why it appears to be smooth. So, you’ll find it easy to assemble without applying any force.

●    While joining two pieces of your long-cherish piccolo, make sure to provide the body of the instrument enough support.  To secure this, you should hold the woodwind’s body above the assembling part, on the wood, and the head-joint portion just below the piccolo embouchure pocket. Once you are ready to assemble, use the twisting and turning technique to fasten the portions together without applying much pressure.

In case you are finding it difficult to assemble your instrument, seek technical help for proper assistance, or else, you might end up breaking your piccolo.

Keep your piccolo clean!

Your body needs exercise to be in good shape. Isn’t it? Similarly, your piccolo also needs good swabbing exercise every time, after being played.

It keeps the instrument moisture-free and clean from inside. For best results, using swabs made of silk is a good idea. And for removing fingerprints and dust, cotton clothes are good to go.

Musical instruments are fragile. Therefore, you need to keep them safe inside a good case, when not in use.

Bid adieu to a musician’s liabilities with musical instrument plan

When you take good care of your instrument, is it necessary to buy an insurance policy? Yes, it is. A standalone Piccolo Insurance policy will ensure that you as well as your piccolo are financially protected against all odds. Here are some useful tips that will help get the right cover for your instrument.

Understand the plan

Before you say yes to a particular musical instrument insurance plan, it is necessary to understand the plan properly. With every insurance policy, there are some technicalities associated, like sum insured, inclusions, exclusions, premiums, deductibles, etc. You should know them in the first place and then decide on a plan according to your needs.

A plan should be affordable

Is the plan affordable? Affordability is another crucial aspect that you should consider beforehand. Insurance policies are investments. And, to invest right, you should check if or not any given investment is positively impacting your finances. If you find it positive and you know that you can pay the premiums on-time, go for it.

Go for a reliable insurance service provider

The service provider you choose also makes a difference. Always choose a licensed and certified insurance company that’s reputable and offers upfront services and price quotes. To find the best insurance company in the market, all you need to do is do some decent amount of research. That’s it.