Why Does Your Stringed Instrument Need Adequate Coverage? Facts Of Clarion Insurance

By Author: micheljordan4
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The stringed instrument is one of the most admired and popular devices in music industry. It is also the most extensive family in the orchestra that produces a unique sound from vibrating the strings while playing. A few popular stringed instruments played by eminent musicians all over the world are violin, viola, double bass, cello, guitar, and electric bass.

As an owner of a string instrument, you must be aware that your delicate gear requires routine care and maintenance to keep it in good playing condition for years. Additionally, to avoid external damage, keep it in a sturdy casing, and clean the instrument after every play session. Also, wiping out the excess rosin from the strings is essential to get the best outcome in the long term.

In addition, it’s essential to take specialized String Instrument Insurance as you cannot predict future uncertainties. Though you will never want to lose your precious equipment under any circumstances, the saddest part is that mishap happens when you least expect them. Therefore, taking suitable adequate coverage for your equipment will guard it against unpredictable situations ...
... and also financially protect you in terms of getting the claim compensated by the insurance company for repairing or replacing the instrument.

As an owner of a string instrument, if you perceive that your homeowner insurance covers all the losses, then there is no denying that your beloved gear is at stake. First of all, homeowner insurance provides coverage up to a specified limit. Secondly, a vital drawback of your household policy is that it does not cover the risk of loss outside the premises. To provide optimum protection, all you need is to choose adequate coverage for your instrument so that you can have a worry-free music career in case of any damage due to fire, theft, or natural calamities.

Do You Know What Are Covered In Your Musical Instrument Insurance?

Every policy is unique and different from others. Therefore, service providers have crafted String Instrument Insurance keeping all possible risks in mind that a musician may face throughout his musical journey. Before finalizing the policy, you should know what financial benefits you can expect from the insurance coverage.

Here are the coverages that specialized musical instrument insurance offers in case of accidental damage.

• In case your stringed instrument gets stolen at home or any music event.
• If the musical equipment is damaged due to fire or accidentally broken.
• Due to robbery and vandalism, you are stuck with immense financial loss.
• Any damage to your equipment during transportation.
• In case of flood and water damage.
• Any damage due to thunderstorms, heavy rain, earthquake, and other natural calamities.
• Accessories like a bow, string, music stand, and other equipment are also covered.

Apart from the coverages mentioned above, Liability Insurance is also compulsory for professionals to oversee a smooth and flawless music career.

What Are Not Covered In Musical Instrument Insurance?

As an owner of the string instrument, if you have opted for specialized musical insurance, you can rest assured about your safety and financial security throughout your music career. However, apart from understanding the inclusions in the policy, it’s also essential to know about its exclusions.

• Regular cleaning and maintenance of your musical equipment is an absolute necessity. If the instrument is not in its casing, it can get damaged due to pollution, deterioration, dust, humidity, or vermin damage. The insurance company reserves the right to reject the claim caused by the aforementioned reasons.
• Damage or loss of music gear owing to third-party repairing.
• Breakage of strings or reeds while playing.
• Intentional damage caused to the musical equipment
• Hazards caused due to mob violence and gang fights.

Finally, in case of damage, submit all relevant proofs to the insurance company at the time of claim. Ensure to keep all the photos of the damage as evidence and inform the service provider immediately to get prompt service.

Conclusion – Every instrument needs special care to play perfectly for years. Continual maintenance, annual servicing, and taking specialized String Instrument Insurance are the keys to getting the optimum outcome of your gear for lifelong.