What is Musicians Insurance?
Professional musicians regularly place at different locations, and they’re frequently out at all hours of the day and night. The rehearsals, travel and gigs that are part of playing professional all come with some risks. For example, instruments can be damaged and musicians can cause damage to other people’s property. Musicians insurance helps protect professional musicians in Massachusetts from a variety of risks that they face.
Musicians insurance is a specialized type of commercial insurance. Because these are specialized policies, musicians should work with an agent who focuses on this type of insurance when selecting coverages and purchasing a policy. A knowledgeable agent will have the expertise necessary to guide musicians toward a policy that makes sense for their particular situation.
Who in Massachusetts is Music Insurance Right For?
Broadly speaking, most Massachusetts musicians who play professionally ought to consider the benefits of carrying music insurance. Not having coverage can leave a musician exposed to substantial risk, and this is normally the most appropriate type of insurance for professional musicians.
Moreover, professional musicians usually shouldn’t rely on their homeowners or renters insurance for professional coverages. The property and liability protections in these personal policies often exclude business-related or professional endeavors, so many of these policies won’t cover an instrument that’s used professionally or harm that a musician causes while at a gig.
Music policies may offer musicians protection for themselves, their instruments and their businesses.