Official broker for SOCAN, ACTRA RACS, ECMA and more. What Is Covered Under a Musician Insurance Policy? They handled my claim quickly and without fuss.I count on MusicPro to insure my recording studio and my gear on the road. For instance, some may not cover theft or damage to instruments and equipment if it occurs during transportation or storage. Before making the Eastside drive, it's worth noting that concert parking at the King County park is up to $20 this summer, adding another expense on top of tickets. If I hadn't been insured, I would have lost my gear, and I'd be out of work. With its focus on the music industry and commitment to excellent customer service, Insurance Canopy stands out as an invaluable resource for musicians. You could be held liable for claims that include injuries, illnesses, or damages arising from your entertainment services. You can easily extend your musicians insurance policy to also include commercial general liability coverage. Busking In UK | What Is Busking? | Musicians' Union | The MU There are two pricing options to choose from, so you can select the amount that can reimburse your instrument or equipment if it is ever damaged or stolen. Concert insurance is a type of special event insurance that protects you, the event organizer, from third-party claims of bodily injury or property damage. How Much Does Musical Instrument insurance Cost? Common examples of limitations on musicians insurance include:@media(min-width:0px){#div-gpt-ad-audiosorcerer_com-narrow-sky-1-0-asloaded{max-width:250px!important;max-height:250px!important;}}if(typeof ez_ad_units != 'undefined'){ez_ad_units.push([[250,250],'audiosorcerer_com-narrow-sky-1','ezslot_20',627,'0','0'])};__ez_fad_position('div-gpt-ad-audiosorcerer_com-narrow-sky-1-0'); Exclusions: Most insurance policies contain exclusions, which are events or circumstances not covered by the policy. For instance, there may be a cap on what you can claim for theft or damage to your instruments and equipment. Your email address will not be published. - Malcolm Gold. As a specialised business, we offer the leading service you will not find in any other broker offering professional public insurance for musicians and other kinds of artists as we make sure our clients receive a custom treatment that exceeds their expectations. Coverage under this program is based on stated amounts. Thats your best option if you just need coverage for an event. Our team has lived the touring entertainment field for years. If you are performer or educator then you will want to consider Insurance Canopy or Thimble. Best Musical Instrument Insurance Benzinga The Top 3 Best Musician Insurance Companies. Musicians' Insurance: Everything You Need to Know Event Liability Insurance For Hosts | Event Liability Policy | Duuo $2,000,000 limit - $127 per member. The extent of coverage provided for personal items may differ depending on the policy and its specific terms and conditions. However, certain items such as musical instruments may have limitations on coverage provided, so it's essential to know exactly what protections exist under your policy. Claims can arise from guests, venues, vendors, or other participants. Less than 10 days later I had a check for all that I lost! If you have any queries about them, speak with either your provider or an expert who specializes in serving musicians. We can cover solo musicians, performing groups, bands, and other types of entertainers. That depends on a few things. NerdWallet rating. In this blog post, we'll explain why having insurance for musicians is so important and provide an overview of the types of policies available to choose from. Thimble's insurance coverage can be purchased on an as-needed basis, making it ideal for musicians who only perform occasionally. If you need coverage to comply with the . To guarantee the protection of your musical instruments, it's wise to keep a detailed inventory. These links are from various companies such as Amazon. Musician Insurance | HUB International Whether you're a performing artist, session musician, or music educator - having access to quality gear is necessary for earning a living while pursuing your passion. Why Marketing Is Important In The Music Industry - Forbes No matter if you're a performing artist, touring musician, or recording artist - there are insurance options available that can protect both you and your livelihood. Liability Insurance Rates. It is essential to regularly review your renters insurance policy and discuss your insurance needs with your provider in order to guarantee that all musical instruments are adequately covered. Knowledgeable in-house teams offer efficient, responsive and comprehensive support to all your claims. Best Covid-19 Travel Insurance Plans By. Canada Music Fund - Canada.ca This could be as simple as the wrong person tripping over your wires or a heavy piece of kit getting dropped - but it could cost you significantly. Yes, renters insurance typically provides coverage for personal property including musical instruments. Annual Policy: Starting at $21.08 per month - Your business involves working closely with people; let us help you have peace of mind with protection for your small business. Who Is Musical Instrument Insurance For? Home insurance policies typically provide coverage for personal property, including musical instruments; however, the extent of coverage can vary depending on the policy. Here's what you'll need: Mission Statement. Need musician insurance? To figure out if your violin would be covered in this scenario, give your insurance broker a call. Choose the Most Valuable Insurance for Musicians Let's now take a look at my 3 favorite musician insurance companies. The main components of a music business plan. Along with their personal value, some musical instruments are even worth a substantial amount in terms of financial value. Clients or venue owners may require you to show proof of insurance before hiring you. Musician Insurance | Get Instant Insurance Now Shephard Ashmore began pioneering music insurance programs for independent artists in the late 1970's at a time when musicians couldn't find coverage anywhere. MusicPro Insurance -- Affordable Insurance for the Music Professional 2023 MusicPro Insurance Agency LLC - All Rights Reserved. This means if you click on any of these links and purchase the item or service, I will receive an affiliate commission. Today our policies are used by some of the biggest names in show business and have expanded to cover major tours, festivals and special events. Front Row provides fast, affordable musical instrument insurance for music professionals who are Canadian residents and members of select music associations. Income Protection Insurance: In case you become disabled due to injury or illness, income protection insurance can provide you with a safety net to help cover your living expenses. Shephard Ashmoresales@shephardashmore.comPh: (800) 988-7868. But the fundamental components are the same either way. Youve put a lot of time and energy into honing your talent. Enter the total cost to replace all of your current music gear. Coverage includes Theft, Breakage and Fire. It depends on your specific policy. 150 N Riverside Plaza, 17th Floor, Chicago, IL 60606. Thimble sells business insurance policies by the month, year or for a single job or event. All policies have conditions, limitations and exclusions, please read the policy for exact verbiage.Claim scenario circumstances vary in nature and similar claims do not guarantee coverage. Deductibles: Deductibles are the amount you must pay out-of-pocket before insurance coverage takes effect. Most events require a general liability policy for individual musicians and bands to perform. However, in order to be eligible for protection, damages must occur while in your household. New for Old Cover How can we replace your guitar? Select to add the tools, equipment, and gear coverage to your policy at checkout for a low monthly cost. They provide "standard" which is for anyone who isn't doing classical music and then "classical" which is self-explanatory. Whether it be staging, worldwide touring, or multiple day events, we have experienced it. We've worked with the Canadian Federation of Musicians (CFM) for more than 40 years, providing its members with comprehensive coverage at stable rates. BandPolicyis brought to you by Shephard Ashmore Insurance Brokers. Musicians insurance provides coverages for your general liability and public liability needs. MusicPro Insurance provides a comprehensive range of insurance products and services to cover a variety of risks faced by the music industry. With AKKO device insurance, you can cover multiple valuable items on one plan at a single, low monthly fee. This general and public liability insurance for musicians is backed by an A+ Rated carrier. Music Teacher Insurance - Insurance Canopy Let's hope it never happens to you. While we are known for Entertainment Insurance, we also have a wealth of experience in protecting commercial enterprises, privately owned homes, pleasure craft, property, and collections. The amateur musician category typically includes children learning to play musical instruments, and people who play as a hobby whether alone or in a band. Our policy provides general liability insurance for bands as well as individual musicians. How the AKKO "Everything Protected" Plan Benefits All Music Equipment Owners If you own a particularly expensive or rare instrument, a specialized musical instrument insurance plan might be the best route for you to take. Le Centre d'assurances Meilleur a, depuis sa fondation en 1986, t au service des Musiciens du Qubec en collaborant troitement avec La Guilde des musiciens et musiciennes du Qubec pour rpondre aux besoins personnels et diversifis des membres. A basic 13 day general liability insurance policy starts at $59. Purchase DJ coverage if you are a Wedding DJ. Most renters insurance policies provide personal property coverage on an "all risk" basis, meaning the policy covers any loss or damage to personal property unless specifically excluded. Established with the mission of making it simpler for entrepreneurs and small business owners to access tailored insurance solutions tailored to their individual requirements, Thimble strives to be an indispensable partner in helping those in the entrepreneurial space gain peace of mind. Musician Liability Insurance: Make Sure Your Band's Tour Is Protected Cover starts at under 11. You may need to purchase additional coverage or endorsements in order to have complete protection for all instruments. If you know youll need coverage for events throughout the year, an annual policy would be your best choice for saving money. Backed by Save Purchase 24/7 with the ability to customize your policy day or night. The Top 3 Best Musician Insurance Companies 1. Common forms of coverage for musicians include: Liability Insurance: This type of policy protects you in the event someone is injured or their property is damaged due to your performance or music-related activities. Does Insurance for Musicians Cover Damage to Equipment or Instruments? Although it is legal to perform on public ground, restrictions that may be in place include, but are not necessarily limited to - making noise, blocking public highways (footpaths pavements, open pedestrian areas), displaying notices asking for payment, carrying out street trading or busking in certain areas for certain periods of time. Insurance Canopy offers strictly liability insurance for musicians, bands, and music educators. because I was insured with MusicPro, I was able to resume my tour with confidence. Classical music instruments like pianos, violins, and violas are typically considered to be the most expensive musical instruments to insure. MusicPro Insurance is a specialized insurance company that provides insurance coverage specifically designed for the music industry. Centre d'assurances Meilleur, 289 rue Lafrance Ouest, St-Basile-le-Grand QC, J3N 1C8. These components are delivered through the Foundation Assisting Canadian Talent on Recordings (FACTOR) for the Anglophone market and the Fondation Musicaction (Musicaction) for the Francophone market. We take pride in offering second to none insurance for musicians for all kinds of entertainers providing them with the coverage needed in order to have peace of mind and complete daily activities properly. They were created and are co-owned by ASCAP. Annual DICE Production Insurance - Docs, Corporate, Commercials, Music Videos, Webisodes Annual policy starts at $1,500 and covers $200,000 of production budgets. Errors and Omissions Insurance. Speak with your broker to confirm the details of your home insurance policy, and see if it will extend to cover your musical instrument. We also cover pyro, independent contractors, oversea locations, contractors, cancellation, crowd safety, and travel risks with trucking and tour buses. They have both Sprinter vans and 15 passenger vans. Key Man insurance. These products include: Any type of instrument (standard and classical), Recording Equipment (Home & Commercial Studio), Miscellaneous Accessories (cables, adapters, cases, and stands). For purposes of insurance coverage, the professional category may also extend to protect those such as music teachers, recording studio technicians, music memorabilia collectors, and more. Music Instructor Insurance. Member Benefits - ASCAP Perfume de la Tierra Signature Fragrance. To understand your policy and learn whats covered, talk to a licensed insurance broker. Some of the common coverages you can expect to see on your home insurance policy, that will extend to protect your instruments, can include damages due to a fire, theft, vandalism or water damage. Challenges You Will Face When Starting Your Music Career & Tips To Deal With Them! Give us a call, or visit any of our locations across the country! Liability insurance gives you a layer of defense against claims such as bodily injury or property damage. Musicians may not necessarily need special vehicle insurance, but they may want to consider additional coverage depending on how they use their vehicles. It's known as "Music City" for goodness' sake! The rate for Thimble's Artist Insurance is based on four factors: your location, crew size, coverage limit, and policy length. or even blocked browser cookies. $1,000,000 limit - $66 per member. This coverage includes a $250 deductible. 12 Best Cities for Musicians (2023 List) - Guitar Lobby Anyone who is serious or passionate about music, both professionals and amateurs alike, will probably say that their musical instrument is something thats precious and valuable to them. Some of the coverages available through this program include: Note: This policy includes a $100 deductible per claim. Why is Front Rows custom insurance for musicians the Industry best? Rates are subject to change. References EDITOR'S RECOMMENDATION Related Music Pro Insurance provides coverage to musicians in the following capacities and more: Equipment breakdown, Accidental damage, Business equipment, and General liability. Coverage for contract cancellation because of damage to the musical instrument. You also have the option to protect your property. Investing in an insurance policy for your musical instrument is a great way of providing protection for all musicians, in the unfortunate case of your instruments getting lost, stolen, or damaged. Insurance Canopy has been a leader in the field of business liability insurance. Thimble's Musician Insuranceboth general liability and professional liabilitycan protect you from the following: Bodily Injury You're playing a show, and a crazy fan (of which you have many) climbs on the stage and runs towards you. Normally, you are protected up to a $1,000,000 or even higher depending on the limits you set on your insurance. We can help you protect your investment in yourself with an insurance program built specifically for musicians. Like most retailers, we use advanced software to protect your security and personal MusicPro paid me within 10 days. BTS's Jung Kook Is Teaching Musicians A Valuable Lesson The MIIP provides Canadian musicians with comprehensive coverage and responsive service that they can count on. Visit the dashboard and click Proof of Insurance to easily download this document. Insurance for musicians We are DanceSurance, a highly efficient business with more than 50 years of success history since we started offering the best insurance for musicians and other kinds of entertainers. Talk to your insurance broker to learn more about what is covered under your policy. BandPolicy | Music Instruments & Band Insurance Many of the major providers will only cover instruments within your household under homeowners insurance. We have three options if you want to protect your gear: Some venues require you to list them as an additional insured. Coverage for physical damages to your instrument. $ 59 Show Policy, 1-3 Day Buy Show Policy Why Insurance Canopy for Musicians Insurance? While we are known for Entertainment . Musician Insurance on Demand | Thimble 1. An affordable and comprehensive musical instrument insurance package is waiting for you by following a few simple online steps. You get to meet people from, General Aggregate (other than Products-Completed). As an individual musician or a band, liability insurance gives you the protection you need to keep your show on the road. I cant recommend musicians get instrument insurance highly enough, and I cant recommend MusicPro highly enough. Weve worked with the Canadian Federation of Musicians (CFM) for more than 40 years, providing its members with comprehensive coverage at stable rates. Event insurance is purchased to cover an event host's liability in case of an accident. What Does Musical Instrument Insurance Cover? Anything you need, we got it. Good customers like you can be blocked sometimes because of something suspicious interfering As a pioneer of insurance products, we have always been a solution-oriented brokerage. Insurance For Studios, Producers, Engineers & Musicians Event Policy: Starting at $59 - Choosing the right performers insurance is critical. on your browser. I can't recommend musicians get instrument insurance highly enough, and I can't recommend MusicPro highly enough. It is essential to carefully read through your insurance policy's terms and conditions in order to comprehend any limitations or restrictions that apply. While fuel . You may also be named in claims against the venue and may not be extended coverage under their policy. Designed to protect your assets, license and reputation, CM&F's superior professional liability insurance brings peace of mind to music therapists. Thimble: Best for temporary coverage. Insurance for Touring Musicians and Musical Acts (Canada) Coverage Limits: Most insurance policies have limits on the amount of coverage they provide. Do not hesitate to contact us as soon as possible so we can dive into detail about our insurance for musicians. Yes, an Annual Policy can extend your insurance coverage to instruments and other gear. Required fields are marked *. back to sweetwater.com: If it keeps happening, give us a call at 800-222-4700 and have the following Reference ID available. This is an estimate subject to completion and approval of an application. Regardless of the size of your act, Front Row can provide a comprehensive overview of your agency risks. UnitedHealthcare celebrates employees who create great experiences | UnitedHealthcare. Individual Policies |Business Policies | Bucks County, PA | 800-289-8837 This coverage will carry with you no matter where you are performing! Thimble is a technology-driven insurance company that offers on-demand coverage for small businesses and freelancers - including musicians. Key Man insurance. If you're interested in tour liability coverage, please contact Shephard Ashmore. At Thimble, we're bringing game-changing flexibility with on-demand insurance policies sold by the hour, day, or month. Allianz Musical Insurance is a flexible product, so you can buy Public Liability Insurance alone or together with cover for your musical instruments or Personal Accident insurance. We offer the advantage of one-stop shopping with low rates, flexible options, and excellent service. Health Insurance: Health insurance is essential for all musicians, as it covers medical expenses in the event of an injury or illness. Application: Musicians' Instrument Equipment Liability . Instrument & Studio Insurance. You may not be aware, but more venues than ever now require you - the performer - to have Public Liability insurance before they will complete your booking. You can't afford mishaps that could put you out of business or put your financial future at risk. "Ceremonia is widely known as a hair care brand, but I consider their first entry into fragrance a hit. For more FAQs, visit the BrokerLink FAQs page. Executive Summary. Sweetwater has the answer: get musician's insurance. Is the equipment in your home or do you keep it somewhere else? Provides both general and public liability insurance. Amy Danise. Playing shows around the world? Performer & Entertainer Liability Insurance - $59/show Furthermore, you may wish to get an expert appraisal to ascertain their replacement value. We do not currently quote this product online, but to get a quote in under 15 minutes please give us a call. As you can see, there are a lot of factors that determine what coverages apply and when. Insurance For Musicians: Cover Instruments And Performances Musicians insurance is a general liability policy designed to cover third-party claims against you or your group. Below are some important facts. This coverage includes: Errors & Omissions within a contract you signed. If youre looking to insure a musical instrument or piece of equipment with a high price tag, the insurance company may sometimes request a purchase invoice in order to confirm its value. Higher deductibles may reduce the cost of your premium, but they also mean you pay more out-of-pocket in case of a claim. Click below to see all the services we offer. We make sure our insurance for musicians exceeds in every aspect by customising them according to what we know from former communication established with our clients. What Insurance Coverage Do I Need As A Musician? MusicGuard, as the name suggests, specialise in insurance for musicians. Front Row is an Entertainment Insurance Broker specializing in: The Film Industry, The Music Industry, Theatre Companies and Photographers with offices in Vancouver, Toronto, Montreal, Halifax, Los Angeles, and New York. If your musical instrument is a collectible piece, or is a one-of-a-kind, a professional assessor or expert may be needed to determine the value of the musical instrument in order to be properly insured. Get in touch with us for further information. Is your recording equipment part of a business? General Liability. Musicians insurance is an important component of your business and is designed to protect you should you be sued as a result of your business operations. Why Should You Carry Musicians Insurance? Of all the insurance programs available to CFM members, ours consistently has . Editor. Not only does it have countless venues and bars for small-time musicians to cut their teeth, but it's also filled with major record labels just waiting to give an up-and-comer their big break. Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less. There are many things to consider when thinking about getting an insurance policy for your musical instrument. The 23 Best New Perfumes and Fragrances of 2023 Theft and Accidental Damage What happens if your guitar is damaged? Musicians Insurance | Cossio Insurance By taking this route, you will be covered from all possible threats a performing artist may encounter. You may, Theres nothing quite like the thrill of performing on stage. Other areas we can look at for you include is to make sure all contractual terms are met with venues and artists alike. What Are The Limitations Of Musician's Insurance? USAA is the cheapest car insurance company for good drivers, with an . With a lot of passion for our duties and always putting our clients needs before anything else, we have become the first choice when insurance for musicians are needed. Musicians love, A musicians world can be exciting. Very useful information for musician , thanks for sharing. The Puppet Master Of Sound, 3 Best Practices For Proper Microphone Placement. We understand the most common claims your business will face and we want to help you be protected. If you rent out your musical instrument, it may still be covered. 25 Adelaide Street E, Suite 500Toronto, ON M5C 3A1, 1788 West Broadway, Suite 801Vancouver, BC V6J 1Y1, 1130 Sherbooke Street West, Suite 805Montreal, QC H3A 2M8, 14156 Magnolia Blvd., Suite 200Sherman Oaks, CA 91423, 101 Park Ave., 14th FloorNew York, NY 10178, Recording Artists' Collecting Society (RACS), Canadian Country Music Association (CCMA). Thimble Which Provider Should I Choose? The most your policy will pay for bodily injury and property damage claims occurring in the policies term that you become legally obligated to pay due to your business services. Loss of Income due to the inability of the act to perform. Shephard Ashmore began pioneering music insurance programs for independent artists in the late 1970s at a time when musicians couldnt find coverage anywhere. You can get your quote in less than 10 minutes. Insuring your instruments with Front Row is an easy and simple process that will leave you feeling confident your instruments and equipment are protected in the event of an insured loss. (Higher limits available upon request) This coverage is available only to AFM members.