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Instrument Insurance...Seeking Advice

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Marcus Jones

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May 14, 1998, 3:00:00 AM5/14/98
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A close friend of mine, a violinist, is seeking an affordable and
reliable insurer for her musical instrument. Would anyone be able to
suggest one? Or have any suggestions regarding where to look or what to
look for?

She is based in Cleveland, OH, and New Haven, CT, should that be
relevant.

Steve

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May 15, 1998, 3:00:00 AM5/15/98
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-----------------

Look into homeowners insurance. Mine covers my keyboard - even at a show.

-Steve

Bob Cardone

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May 15, 1998, 3:00:00 AM5/15/98
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Marcus Jones <mo...@pantheon.cis.yale.edu> wrote:

>A close friend of mine, a violinist, is seeking an affordable and
>reliable insurer for her musical instrument. Would anyone be able to
>suggest one? Or have any suggestions regarding where to look or what to
>look for?
>
>She is based in Cleveland, OH, and New Haven, CT, should that be
>relevant.


Almost every homeowners policy I know of excludes anyone using an
instrument professionally, in other words, taking it out of the house
to a job, gig , concert etc.. The Musicians Union has a setup with a
company called Albert Wohlers and it cost me about $85 a year to
insure everything I have. I lost a amp 2 weeks after I got the policy
, several years ago, and they paid with no problem. ( It was stolen
out of my car).


Bob Cardone

Drumbo

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May 15, 1998, 3:00:00 AM5/15/98
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Two possible solutions:

> ASCAP and the AF of M both have instrument insurance for
an annaul cost of about 10cents on the dollar.

> Although homeowners insurance policies vary on this sort
of coverage, my American Family Goldstar Policy covers any
musical gear I itemize on the policy, no matter where I
use it. The key is; if the gear is used in a professional
capacity, it is covered as long as it is not a primary business.

For example, my main business is multi-media music production,
but I also perform 4-5 night a week.
If you list your primary business as teaching, for example,
your instrument is still covered if you are performing
regularly for financial compensation.

William F. Dishman

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May 15, 1998, 3:00:00 AM5/15/98
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As stated homeowner's insurance will not normally cover a professional's
instrument. Extra riders are available however they usually are quite
expensive. If the player is a school teacher or a member of the local
private teachers association, insurance is available through the National
Music Educator's Association for a good rate. Check with NMEA for info and
a quote on rates. They have a good web site. Hope this helps.

Bill Dishman

Jerry Fletcher

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May 15, 1998, 3:00:00 AM5/15/98
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Check with Travelers Insurance. I had my DJ equipment with them for $250
a year for $25,000 coverage.

Jerry

Seth Jackson

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May 16, 1998, 3:00:00 AM5/16/98
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On Thu, 14 May 1998 20:44:47 -0400, Marcus Jones <mo...@pantheon.cis.yale.edu>
wrote:

:A close friend of mine, a violinist, is seeking an affordable and
:reliable insurer for her musical instrument. Would anyone be able to
:suggest one? Or have any suggestions regarding where to look or what to
:look for?

If she's a member of ASCAP, she can buy insurance through them.

--
Seth Jackson's Songwriting and Music Business Page -
http://www.mindspring.com/~hitmeister

*Songwriting and the Music Business, plus Los Angeles "Country Notes"*

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