As musicians, one of the things we’ve missed most this past year is the live experience. Not just going to gigs, but actually playing them.
Fortunately, it seems that some light might finally be at the end of the tunnel, with the UK on course to reopen over the next few months. As such, you might already be planning your first trip back into the musical limelight, but when you do finally venture out again, you need to make sure that you’re properly protected - and not just by a face mask.
We’re talking about insurance - not the most rock ‘n’ roll subject, we agree, but something that musical performers need to think about. Not only can it protect your gear, but it can also protect you.
Fortunately, whether you’re performing down at your local pub or embarking on a nationwide tour, Allianz’s musical instrument insurance can give you peace of mind. As you’d expect, it covers the likes of theft, loss and accidental damage when you’re travelling to and from live performances, but there’s so much more to it than that.
Let’s talk about public liability insurance, for example - an optional add-on to Allianz’s policy - which will cover you if something goes wrong at one of your gigs and a claim is made against you. Many venues will actually insist that you have this if you want to perform - the last thing you want after spending so much time away from the stage is to turn up for a show and find that it has to be cancelled.
Legal assistance and support is included, too, so you can get help when drawing up contracts with managers and venues, and know your rights when you’re trying to settle a dispute over that unpaid gig. We’re sure you’d rather be spending your time making music than dealing with this kind of paperwork, so you can take advantage of document templates - these deal with everything from personal finance to setting up a will - that should help to cut down your admin time.
If you’re not ready to head back into the big wide world just yet, Allianz can still help you, with full instrument cover on your own premises being offered, too. This includes the cost of hiring a loan instrument, should you need to, and depreciation after any repair. There’s no excess on instrument claims, either.
Should you need any further incentive to take out an Allianz musical instrument insurance policy, we can also tell you that, right now, if you do so you’ll get two months of cover for free. Prices start at just £33 a year; a small investment that gives you a lot of protection.
Find out more and get started on the Allianz musical instrument insurance website.