If you can purchase insurance for your automobile, why can't you seek insurance for your profession? This is one of the most common questions that insurance agents ask professionals. Insurance is especially required when your profession makes you deal with easily breakable, damageable instruments. If you are a music tutor, you need insurance more than many others around you. Tutoring is not an easy task, more so if you are a private tutor. In private tutoring, responsibility of the students is solely on you. You also have to be careful that no student is harmed while in your class. But above all, you have to make sure that your musical instruments are not damaged because of mishandling. Unfortunately you can never be too careful. You can call tutor insurance some kind of overall protection for yourself, your students, musical instruments as well as your studio.
Why Tutor Insurance is Mandatory for Music Teachers
Keeping in mind the fact that no profession is risk-free, tutor insurance is a kind of protection for all your major assets. It gives you the peace of mind so that you can practice and preach your music without any tension. Moreover such a policy protects you in the following cases –
Damage Due to Fire - Your workplace (which could be your private studio or a rented space where you run your music school) is damaged by fire. There can be huge loss of property, and even life,if a fire engulfs your music school and only the right insurance can get you protection.
Third Party Liability - If a student is injuredwhile in your class, you may be in for lot of trouble. The student's parents may sue you for negligence and you could end up your days fighting a nasty legal battle. In such situations, third party liability protection is what you need.
Damage Due to Natural Calamity – Rain, storm or earthquake has the capability of completely destroying your music school. If even a single musical instrument is damaged due to a natural calamity, you can seek compensation against tutor insurance.
Professional Indemnity – Insurance can also protect you from future loss, get you legal exemption from liability for damages and pay you a sum of money in compensation for loss or injury.
Finding The Best Agency
The best way you can get the insurance that protects your musical profession is by first finding the right company. It is true that there are numerous insurance companies that are providing a range of policies that seem to be specially designed for you. It is very easy to be confused on what policy will suit you and meet your requirements. Without the assistance of the right insurance agency, you may purchase event liability insurance whereas all you wanted was a policy protecting your tutoring activities.
It is best to choose an insurance company that specifically works for the music industry. With such niche expertise, you can expect to get just what you want.It is also advisable to be associated with an agency that offers various kinds of music insurance so that you have the option to choose a tailor-made tutoring insurance.