Musicians Coverage is a Blessing in Disguise
Parting with income is something that no one really loves to do – and this is one of the most common reasons for indifference towards musician’s coverage among the composers and singers alike (and even other professionals). But, the least they realize that having insurance becomes a boon for them in time of adversity.It hardly matters whether you are a professional, semi-professional or an amateur musician; whether you perform in huge concerts or just play gigs in a local band; an all-encompassing insurance policy will certainly be at your rescue in the time of difficulties or unexpected turn of events.
After this brief introduction, if you still have doubts about having public liability insurance for musicians in the coming paragraphs we will see some solid reasons for purchasing musicians coverage (some of the plans even cover musical instruments).
We will just take a look at some the worst scenarios, which might ruin your career and financial resources:
Damage/Loss to/of the instruments – For a musician, his only valued procession is his instruments. The musical instruments are not only fragile and delicate, but they are extremely expensive. Its loss or damage will be both emotionally and economically distressing. Since most of the music coverage policies are comprehensive in nature, you can be at least relaxed on the financial front.
The expense to buy a new instrument or get the damaged one repair is generally bore by the insurance providers. So, monetary mess created by the unexpected expense will not pose a problem for you or your troupe.
Bodily Injuries to the Audience – Though, utmost care is taken, however, there are always chances of any mishaps during your musical performance. It not only hurts you or your troupe member, but even poses a severe threat to the audience. They can suffer severe and fatal bodily injuries, which subsequently leading to the legal notices and court case. Fighting a court case is not easy; at least not for your pocket. It raises your liabilities – you have to pay the medical bills, compensation and even pay fees for the attorney.
Public liability Insurance for Musicians offers you a solid support system – It will shoulder your responsibilities by paying up (though a part) the medical bills of the injured, compensation claims – even the attorney fees, out-of-court amount in case of the legal case.
In short, there will be complete backing which enables you to stand up again and recover from the economical loss that you have suffered.
