Music Lesson Insurance - Learn Why It’s Imperative for Music Teachers

Picture this - You regularly take music classes. So, one day, while you were in the middle of a music lesson, a chair in your facility suddenly broke, and a student fell on his back. He not only damaged the musical instrument that he was playing but also got an injury in his head as a result of hitting the floor backward.

 

However, this wasn't bad enough as there was more to come. And it came! The family of that student held you liable for the accident and filed a lawsuit against you. And, you were left with the burden of financial compensation.

 

Imaginations, sometimes, do come alive!

 

Dear reader, the above situation might be hypothetical. However, accidents like such happen, lawsuits are filed, and monetary compensations are asked in real. And, if you do not have sufficient insurance coverage, you are likely to land in financial as well as legal rough waters.

Now, you might be wondering what insurance! You already have your home insurance in place, and it covers your musical instruments. So, what more do you need? Home insurance and all is fine. However, if you are a music teacher, you are responsible for certain things. It includes your profession and the safety and security of your students and their musical instruments. And, a dedicated Music Lesson Insurance ensures protection for all of these and even more. Sad but true, your home insurance policy also has its limitations.

 

Which type of insurance do you need?

 

Well, there are different types of music insurance policies that a music teacher may need. It includes the following -

Public or third-party liability cover - This cover will protect you against a third-party loss or damage (similar to the imaginary situation described in the starting).

Personal accident cover - This cover will protect you against loss of income in case you met with an accident that happened in an insured event.

Musical instruments and equipment cover - With so many students taking your classes, some might be handling your musical gears. In such scenarios, mishaps are sometimes inevitable. This cover will ensure that your musical instruments stay safe.

 

Is the cover limited to your place or music facility only?

 

What if you conduct your music classes at a student's place, and a case of public liability happens there. Will your MusicLesson Insurance cover you? Well, this cover might vary from one service provider to the other. However, most reputed and customer-centric insurance providers do provide this cover. So, you can check this clause with your insurance service provider beforehand.

 

Choose the right insurance provider to make the difference!

 

One of the most important things is - to choose the right service provider to get the right services at your disposal when you need them the most. Also, when it comes to choosing an insurance policy from a pool of products, things can become very confusing.

However, if you choose a good insurance provider, they will help you choose the right policy. They will make sure that the details of the products are easy to understand. 

After going through all the details, if you are stuck somewhere, all you need is to call them. They will not only help you understand the technical jargon but also make the policy easy to buy as well as manage.

Make sure to choose an insurance provider that is recognized by respected authorities, including musical institutions, universities, and schools. These recognition are the benchmark of quality and trust.

Experienced insurance providers know that one size does not fit all. So, they do not believe in the cookie-cutter technique. Therefore, they allow their customers to customize their policies according to their needs.

 

7 Reasons Why the Clarinet is the Best Instrument to Learn

Woodwind instruments always enticed you, and you always wanted to play them. And, finally, that moment has arrived, where you earnestly want to try your hand (mouth as well) in it. So, which woodwind have you chosen? After doing a lot of research, you zeroed in on the clarinet because you found that most aspiring instrument players choose it. And now you want to learn the reasons behind such a preference. Here are some of the leading reasons why clarinet is the most preferred woodwind gear that people love to learn.

An important point to remember- Before you start learning the instrument, you will have to buy or rent a clarinet. Right? And to ensure its protection, you will need Clarinet Insurance. Make sure to keep this in mind. Now, let's get started!

 Reason 1 - Clarinet is loved for the versatility it offers. Plus, it is easy to learn in comparison to other instruments of the woodwind family, like trombone or trumpet. So, for the first-timers, it is indeed an added advantage.

Reason 2 - When we talk about the clarinet, elements of romanticism, adroitness, language, and character unknowingly sets in. During your journey of learning a clarinet, you will understand that with this woodwind, you can pour your heart and soul out. You can do both - surrender your senses to the relaxing and soft sounds as well as go gaga to the aggressive and high-pitches. Simply put, you can live your passion in the best possible way.

Reason 3 - We are very sure that you have not thought of it from this angle. Playing the clarinet is good for your lungs and your overall health. Why so? One of the most important things you should have in order to play this woodwind musical instrument is - full lung-capacity. And this needs you to be capable of controlling your inhalation and exhalation, which needs your core to be strong. So, playing the clarinet will help you take care of all these. However, do remember, nothing comes easy, and practice is the key to perfection.

Reason 4 - Unlike the 3 valves of a trumpet, the clarinet has multiple keys. If you have seen a clarinetist in action, you might have marked that their fingers move quite crazily over the gear. Those crazy moves take a lot of time, effort, and practice. So, playing the clarinet will help you with improving the coordination between your hand and eyes.

Reason 5 - Clarinet is a compact and petite woodwind instrument that you can nicely carry along. As it is light-weight and portable, you do not need immense muscle power to hold it. Therefore, it is a good choice for beginners and even kids.

Reason 6 - Buying the clarinet will not burn holes in your pocket. Although the high-end woodwinds are pretty expensive and their price range is likely to go high as you move into a professional scenario, clarinets for beginners are affordable. However, regardless of the price, it is crucial to get a Clarinet Insurance for the overall protection of your gear and finances.

Reason 7 - It goes without saying that clarinet is one of the most popular and most loved musical instruments in the world of music. It also means that you have got a lot of scope into this profession. You can become a part of a band, and the rest can be history. Being a part of a band has its own share of perks that no one knows better than you.

So, these are some of the leading reasons why Clarinet is a go-to-instrument. Get a clarinet, find a good music teacher, and get set go.

Musical Instruments Insurance Tips to Make an Informed Choice

For someone who dwells in music, losing an instrument is the biggest nightmare. Besides the emotional ordeal, the cost of buying new gear or even getting a replacement can derail your finances. However, there is one thing that can get everything in place in an unfortunate event of loss or damage to your musical instruments. Yes, that's Musical Instruments Insurance.

So, if you are a professional musician and you still don't have an instrument-specific insurance cover, you need immediate action. Misfortune never gives prior information, nor do you call it, after all. Although you cannot get your instrument back in case it is damaged beyond repair, lost, or stolen, you can at least save your skin from the financial distress.

Are you curious about the entire scenario, right from choosing the cover you want to find the right insurance service provider?  Don't worry! To put an end to all your confusion, here you have some commonly asked questions about insurance plans designed for musical instruments. Hopefully, these will help you make your buying decision more informed.

Why do you need a musical instrument cover?

Covering your musical instrument under a dedicated insurance policy is crucial because it will save you when you are all caught up with a super-expensive bill. Sometimes, it does not matter how watchful you are with your gears because accidents are unforeseen and inevitable. For example - can you foresee your guitar being stolen or damaged? So, it would be smart if you do not leave anything to luck and chance and get your musical instrument covered. A comprehensive musical instrument will ensure that you are safe no matter how big the financial peril is.

What will you call an ideal policy? What should be covered?

Well, different people, different needs. So are the insurance policies - flexible and customizable. However, a standard musical instrument policy will ensure that your instrument is covered in cases of theft, accidental damage, loss, and fire damage. Also, if you opt for worldwide cover and public liability, you will be more secured and ready for the uncertainties. So, understand your requirements from the policy and talk to your service provider before choosing anything at random.

What will an instrument-specific policy cover but your home insurance will not?

If you play commercially, regardless of the time and monetary benefits, your home insurance will not cover your gears. However, your musical instrument policy will. Dedicated musical instrument insurance will also provide coverage to repair and damage scenarios and is most likely to compensate you for the replacement value. This is not all. There are many more differences between home insurance and a standalone insurance plan for your gear.

Is an appraisal a must for your musical instruments?

Well, if you own a vintage instrument or the price of your gear is very high, or you have inherited one, yes, appraisals are necessary. However, if you have got the photographs, serial numbers, and other documents in place, you might not need an appraisal. Make sure to confirm it or not you need one with your service provider beforehand.

What about public liability insurance? Do you need it?

This cover will come forward as a big-time savior if anyone else or their property has suffered loss or damage because of you and your gear. If you do not have this cover, then you will have to pay out of pocket if the third-party is injured or his or her property has been damaged. Medical bills and lawsuits are pretty expensive, by the way.

What if your musical insurance goes missing from your car or while in transit?

An insurance policy dedicated to musical instruments is likely to cover all the possible situations that can disrupt your career by stopping you from performing. For more details, you can get in touch with your insurance provider.

So, get yourself a Musical InstrumentsInsurance and take a deep sigh of relief.

 

  

How to Keep your Oboe Instrument Protected?

Enticed by the versatility of its sound, that's acerbic, reedy, full, piercing, and bright, and clear, and everything between low and high, you finally decided to buy an oboe and learn it from the best master. Wow! However, when it comes to buying an oboe, it's not about just one investment. You have to include Oboe Insurance in your financial plan as well. Wait! What? Are you buying this woodwind, depending on your home insurance?

Well, if this is the scene, you need to reconsider it, dear reader. While there might be a clause in your home insurance that agrees to insure your musical instrument, there might be some limitations to it too. So, it is advisable to think once more about your decision and plan it accordingly.

Here are some crucial pointers that you may consider when buying standalone musical instrument insurance for your woodwind. Let's plunge in!

Plan what all you want to include in your policy!

First things first. Now that you have finally decided to buy a dedicated insurance plan for your gear, you need to identify your needs and what all you want your insurance policy to cover. For example - do you want to include travel-oriented damage or loss cover? This particular inclusion is good to go if you travel with your musical gears or are already a frequent traveler. Similarly, there are many such scenarios to cover. Therefore, understand the possible issues that can crop up and find out if or not that's there in your home insurance plan, and then prepare a list.

Once you are done with the list, you can easily find a suitable policy.

Learn about the types of insurance plan

As far as the different types of Oboe Insurance policies are concerned, there is no dearth of options in the market. The options include the following -

●       Accidental cover - It will cover your oboe in case of accidental damage.

●       Theft insurance - It will protect your instruments in cases of thefts and robbery.

●       Workman's compensation - It will protect you in case an employee is injured or their property is damaged due to your instrument or related stuff.

●       Public liability - It will protect you in case a third-party gets injured, or their property is damaged due to your instrument or related stuff.

●       Professional cover - It will protect you if you are unable to continue working because your instrument is damaged or lost.

●       Worldwide cover - This cover will ensure that your instrument is safe, no matter where on the earth you go.

Therefore, you need to understand what all these policies offer. Then only you will be able to understand what you should include in your policy and what you should avoid.

Finding the right insurance company

Once everything is clear inside your head, now it's time to materialize the same and research all your options. One of the most important things to consider here is insurance providers. As you will find a number of them, you need to zero in your choice carefully.

Besides pricing, the extent of cover they offer, and other factors, you should also consider their experience and reputation in the market as a crucial benchmark. Always remember, your home insurance provider is less likely to be accustomed to the ins and outs of musical instruments. So, you might not get the right cover as well as assistance when needed.

The bottom line of buying dedicated musical instrument insurance is to get the right financial assistance when needed. Therefore, you need to plan, research, and compare your options beforehand. If you skip any of the above mentioned steps (plan, research and compare) you might not get what exactly you are looking for.