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Life on this planet is very uncertain. If everything is alright now, you cannot assure that it would be alright the other moment. Therefore, insurance policies came into being for your insuring our lives, homes, and everything valuable we own. And, this holds for your musical instruments as well. Whether music earns you the livelihood or it’s an alternative source of income, a hobby, or you run a music coaching class or own a musical instrument shop, insurance is a must-have for you.
Take a deep insight into how things can go wrong!
An example will help you understand the scenario with more clarity. Suppose you are an oboe player, and you perform on-stage in concerts, parties, and other occasions, or take music coaching classes regularly.
Your situation with and without an Oboe Insurance would be different
Without insurance coverage
Without insurance coverage, you are not safe financially. So, in an event of loss, theft, or damage, you have to pay out of the pocket. And, in the worst-case scenario, if someone gets injured while attending your show or classes, you have to pay for his or her medical bills too. It's quite an investment for sure.
With insurance coverage
With comprehensive insurance coverage, you are safe both financially and emotionally because your insurance policy will take care of all the expenses incurred in an unfortunate event of damage or loss to the musical instrument or loss or public liability. Plus, you will get a lot more if you choose the best and reliable insurance service provider in your state.
Standalone insurance is imperative for an oboist
If you think your musical gear is immune to theft, vandalism, fire, flood, and all sorts of problems that can arrive, you are probably not on the right track dear reader. Every year, thousands and millions of music shop owners, professional musicians, and other people associated with music, and musical gears lose their instruments to a number of unfortunate accidents. So it would be wise enough to stay prepared for the bad. Most importantly, if you think that your homeowner’s insurance plan will come to your rescue, it’s the time to rethink and get the facts correct.
● First of all, your homeowners' insurance is less likely to cover all your instruments.
● Secondly, it will cover a given instrument if something happens to it inside the home.
● Thirdly, there are many venues that will not allow you to play if you don’t have a dedicated insurance cover for your instrument.
● And, last but not the least, any case of public liability caused by your instrument will not be covered by your homeowners' insurance.
So, you are smart enough to understand why getting a dedicated cover for your instrument is perhaps the best thing to do.
The salient features of a good Insurance policy
● A suitable and all-encompassing Oboe Insurance plan offers flexible cover. So, you can choose one according to your needs.
● It also offers coverage for third-party liability. It means you will not have to shell out from your pocket if anyone is injured as a result of your instrument.
● It covers your instrument worldwide. It is a very crucial pointer for you if you often travel to foreign countries with your instrument.
● You are more likely to get a replacement for your damaged or lost instrument. Although nothing can replace your loving oboe, you can at least safeguard your finances and start over once again.
● Some insurance policies also offer personal accident cover. You should confirm the same with your insurance provider. If you already have this one, you can exclude it from the policy.
Now that you know that a dedicated insurance plan for your musical instrument is not an investment but every musician’s lifeline.
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