insurance

Leon Campbell · From: Texas, USA

I hope this is the right place for this question. I have a playing gig in a resturant four nights a week and I leave my gear there, so I would like to buy insurance for my equiptment.Do any of you have advice as to what co. to buy from?
Thanks, Leon

Curtis Alford · From: BastropTexas, USA 78602

The cheapest and most readily available insurance is through the musician locals.
Last time I checked it was about $250.00 per year for $15,000 worth of coverage.

pdl20 · From: Benton, Ar . USA,

thats where i got mine .member of local 257

Roger Rettig · From: Naples, FL

My gear is covered with Marsh Affinity, through the Tampa AFM Local.

I have about $24,000-worth and it's covered just about everywhere, including the trunk of my car. The annual premium is about $240.

Of course, I have to maintain the AFM's annual fees too, but they're minimal.

RR

Calvin Walley · From: colorado city colorado, USA

there is a fellow forumite ,
David Ledbetter, that is an expert on insurance ,
i am sure he would give anyone honest unbiased advise regarding whats best

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Mullen SD-10 3&5 / nashville 400

Mike Perlowin · From: Los Angeles CA

I use Clarion musical instrument insurance.

They can be reached at 1-809- V I V A L D I

Dickie Whitley · Posted 20 Aug 2006 4:27 pm

Craig Ferguson · From: Los Angeles, California, USA

Clarion is the way to go. I have about 14,000 insured at 161.00 a year with a $100 deductible. Can't beat that! If its good enough for the major symphony orchestras its good enough for me.

Leon Campbell · From: Texas, USA

Thanks very much for the info, I have bought ins. from Clarion. Now I fell better.
Bob you can close this thread. Thanks every one for your advice, great help. Leon

Jim Sliff · From: Lawndale California, USA

Late, but I'll chime in anyway...because Clarion is also the popular choice in the 6-string world.

Good move.

I know this will probably b closed before I could get an answer, but just in case - can you buy insurance from a union if you're not a member? you can't in the construction industry, so I imagine it's the same with the musician's union.

Jim Saunders · From: Houston, Texas, U.S.A.

You want to ask what is covered, and, more importantly, what is excluded. Ideally you want an "all risk" policy. This covers most situations. For instance, is the instrument covered if it falls; if it's left at the job site; theft from a transport?
Homeowner policies usually exclude coverage for musical instruments used professionally. You are o.k. at home, but not on the job.

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Mullen, Royal Precision, D10, Peavey Nashville 112, DD3, Peavey Session 2000, Goodrich L120 VP.

Colby Tipton · From: Crosby, Texas, USA

Dont tell them that you use it on a job. I take care of my steel the way of the old days, I am an old scooter trash hand and we take care of the people that rip off our stuff.

Pat Burns · From: Branchville, N.J. USA

...and we take care of people who rip off insurance companies. What you're suggesting is insurance fraud, and it's grand larceny if over a certain dollar amount. Insurance fraud adds untold dollars to everybody's cost. Don't do it, and don't tolerate it from other people who do it. Call it what you will, make any excuse you want, it's stealing plain and simple.

[This message was edited by Pat Burns on 28 August 2006 at 06:43 PM.]

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