Being worried of the instrument’s safety is normal for every musician. The instrument is their lifeline, which is why it is important they ensure all kinds of protection for it. If you own a Piccolo, it always makes sense to have it insured first, before you start using it. It requires a lot of understanding of what you are planning to do with the Piccolo, before you invest in the insurance.
If you are a traveling musician or, a Piccolo instructor, the kind of insurance you need changes. A traveling musician will need to cover the in-transit damage costs, while the instructor will need to include the general insurance as well as in-property damage costs.
Here we will discuss what Piccolo insurance broadly covers, before moving on to further describe how insurance can safeguard your instruments.
- General Insurance Cover: A general insurance cover helps protect your overall interests as well as the interests of your instrument. This part of the insurance fits your general needs like maintenance etc.
- Accidental Insurance: In case you or one of your students meets with an accident while you are at the property, the damage can cause a dent in your pocket. To safeguard your pocket against it, you should opt for an insurance that covers accident. In this way, you will receive compensation in case you or your student meets with an accident while on your or, their property
- Damage in Transit: A lot of musicians tend to face damage while carrying their instruments. If you have had a past experience wherein you had to pay for the damage of your instrument, then you should necessarily opt for the insurance that will cover for such damages
- Theft: If someone steals your Piccolo while it is at home or, in the car then you will need to replace it with another Piccolo. If you don’t have insurance, then chances are you will have to pay for this replacement of your own. Insurance will compensate for the stolen Piccolo, and help you replace it
- Replacement Costs: When your instrument grows old, you will need to replace it with a better one. But, chances are the cost of the new one will be slightly more than the one you had bought several years back. In order to make sure you don’t pay more than what you had paid in the past you need insurance cover that appropriately covers replacement of instrument
- Worker’s Compensation: If you have a studio and have employees working for you, then you need to cover the worker’s compensation in the insurance. For this, you will need to make sure you have insurance that compensates the worker for ill health and lost payday
It is important to partner with an experienced and well-positioned Piccolo insurance provider, who understands what you need and how to best offer a solution for your requirements. A studio owner would have different needs from a normal Piccolo musician. The solutions would need to meet these individual needs. So, next time you are out to buy musical insurance, make sure you have listed out all your insurance needs.
Musical Instrument Insurance 