Performing to entertain people is perhaps as old as human being first left their nomadic life and settled down in what is often termed as early civilizations. Since time immemorial music has been the highest form of performance and has been appreciated throughout human history. In the world musicians continue to charm and entertain people. But while the modern world has given musicians large platforms to perform and entertaining their fans, it has also thrown up many new challenges. As a musician who plays the Oboe or other musical instrument, you need to wake up and know about the risks associated with the profession. From damage to your instrument to liability claims, you need to protect yourself against risks with oboe insurance. If you are planning to buy oboe insurance, here are a few things that you must consider.
· Plan for The Worst – Don’t treat insurance as a customary aspect of your profession. You must remember insurance is bought when things are good and are great to protect you from ugly circumstances that your profession might put you into. So when you are buying insurance you need to plan for the worst case scenario. Your instrument may be damaged beyond repair or you may lose it a day before you are scheduled to perform. Make sure the plan you are buying would protect you against all the financial burdens that such situations put you under.
· Financial Coverage – What does the insurance plan cover? There are insurance plans that are available at dirt cheap premiums but often offer you limited protection. As we have already stated above, the risks in the modern world are many as a fan may damage your instrument in a moment of madness or you could lose your instrument in transit. The insurance plan should compensate you adequately in case of loss of the instrument and offer you replacement costs for a new one. In case of damage it should cover the entire cost of repair.
· Beyond Physical Loss and Repair – One of the common mistakes that people make while buying insurance for their musical instrument is that the plans are limited to damage and loss of the instrument. But how would you deal with a situation when there are third party claims from fans regarding bodily injuries that may happen in your concert? What would you do when one of your students suffers injury at your home music school? What about a situation when your instrument causes damage to the recording studio? It is importantto purchase a plan that would protect you financially as well as safeguard your name in all such circumstances. If you run a music school you need to buy music instructors insurance. You can afford to make no compromises in a competitive industry where the stakes are so high.
These thinks kept in mind will help you buy the right insurance plan that caters to your needs. However you must always do a detailed background check on your insurer. There are shady areas in this industry and hence you need to buy insurance plan from a company that has impeccable reputation in the market.