'Do I need Music Insurance?' is a key question to anybody that works in the music or entertainment business. If your job or hobby is to perform as any of the following then making sure you have insurance to protect you, your equipment and musical instruments is of paramount importance.
DJ
Singer
Band
Comedian
Entertainer
Magician
Dancer
Orchestras
The list above names the main people that can benefit from this type of insurance as they all fundamentally need the same things to be covered. Anything from a van full of props or music equipment to a single microphone or costume are vital to a performance and if they were to be damaged or stolen they will need to be replaced or compensated for immediately!
Just as essential to musicians and entertainers is the question 'Do I need Public Liability Insurance?' or 'Do I need Employer's Liability Insurance?' please click the relevant one to find out more.
Equipment for example, can be moved around the country day after day, week after week, being lumbered in and out of vehicles and venues, set up and packed away time after time! Wear and tear on anything is inevitable but when something vital stops working or goes missing and you have a string of gigs to play it can be very costly to replace it out of your own pocket. Having the right kind of insurance is peace of mind and valuable protection! Remember without it not only do you have to pay to replace what is lost or damaged but what is also compromised is whether or not your performances will even take place!
Many people will look at insurance as an unnecessary expense but when you rely on something material such as an instrument to make your living then it is quite frankly priceless!
Do not assume that a home contents policy will cover you as in 99.9% of cases your equipment and performances do not take place within the four walls you call home! It can be very difficult or even impossible to claim against these types of policy.