 The Clarinet BBoard
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Author: MaDxClArInAtOr
Date: 2006-11-10 12:51
i just realized recently that... i could really use some insurance! i just recently payed off an R13 Prestige pair and this is my last year in highschool before university and would prefer to have insurance in case something unfortunate may happen. does anyone have any suggestions as to what i should be looking for and where?
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Author: Bennett ★2017
Date: 2006-11-10 15:22
Clarion insurance (www.clarionins.com) specializes in musical instruments. Their coverage for all sorts of mishaps is terrific but premiums are high. If you've got renter's or homeowner's insurance, you probably can add insurance just to cover the clarinets. In my case, adding to homeowner's was 1/10th the cost of Clarion. To me, the less comprehensive coverage was worth the savings in premiums (about $22 vs. $220).
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Author: Terry Stibal
Date: 2006-11-11 00:55
Homeowner's is certainly the way to go for someone not yet working in the musical profession, and probably also the best way for someone in a teaching career.
Once you start drawing a paycheck, the cost (at least on my policy) goes up by 100%. At that point, you should start looking for specific coverage. The American Federation of Musicians offers a decent policy for the typical working musician, but make sure to compare with offers from your current agent, and from one who doesn't currently have your business.
If you have a business (i.e., musical group) and carry insurance (most groups don't, but some do), your equipment (including the instruments) will be covered under that policy.
leader of Houston's Sounds Of The South Dance Orchestra
info@sotsdo.com
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