If you play the Oboe you would realize how delicate an instrument it is. It can produce the most mesmerizing sounds that are soothing to the mind and the soul. If someone were to ask you the value of your instrument, you would most likely say it is 'immeasurable'. That is the kind of emotion a musician attaches to his/her musical instrument. But at a time when live performances have become widespread, as a musician or a music instructor you need to berealistic and insure the musical instrument and secure it against the common risk.
The reason insurance is important is the fact that as performing or non-performing artists you shouldn't divert your attention to the safety of the instrument and rather be submerged in creating enchanting melodies. If you don't have insurance coverage for your oboe, your mind will always be pre-occupied with things that hamper creativity. Insurance offers artist the peace of mind which is an essential ingredient to creating soothing music. There are several companies that offer you oboe insurance and here we take a look at some of the advantages of this insurance.
Homeowner's Policy Isn't Enough
Before we start discussing the advantages of insuring your musical instrument we need to make a very important point. Your homeowners' policy isn't enough as this will not protect the instrument when you are performing in concerts or while the instrument is in transit. This is one of the costly mistakes that many musicians make as such policies only cover risks similar to other belongings at home and don't offer you the added protection you need as a musician. If you are running a small music school from home what you need is music instructor insurance that will not only protect you against damage to the instrument but also give you liability coverage.
What Is Covered Under Oboe Insurance?
Loss of Instrument – As a musician you will need to travel extensively performing in different places. During a hectic season you often end up travelling every other day. This puts your precious instrument at huge risks as most thefts and misplacements take place during transits. Your insurance policy would cover this risk and offer you the cost of replacement. Here reputable insurance companies offer you the 'new for old' advantage where they would cover the total replacement costs.
Accidental Damage – Musical instruments are delicate and susceptible to damage. In such unfortunate circumstances you would want to hire an expert to carry out the necessary repairs and this can loosen your purse quite a bit. Having an insurance policy will save your day and cover all the costs.
Equipment Breakdown – If your oboe breaks down in the middle of your tight schedule you would need to replace it to fulfill your commitments and insurance would take care of the necessary hiring costs.
With so many advantages all you need is to hire a reputable insurance company that offers you a comprehensive plan covering all risks. They can also offer you a tailored plan that would meet your niche needs.