equip. Insurance ??

Mel Davis · Post by **Mel Davis** » 11 Oct 2002 12:54 am

Does anyone know of an insurance co. who will ins. equipment ??? Mel

Matt Martin · Post by **Matt Martin** » 11 Oct 2002 2:18 am

Insurance companies will insure just about anything if you want to pay the bucks!!
I take it you want to cover the stuff out on gigs? If so, take some photos and show them to your agent and he, or she, will be more than happy to give you a quote. If it's just for home, your homeowners should cover it!
Just make sure you have proof it's your stuff!

Rex Thomas · Post by **Rex Thomas** » 11 Oct 2002 5:15 am

http://musicproinsurance.com/

Chick Donner · Post by **Chick Donner** » 11 Oct 2002 11:37 am

It's one of the benefits of belonging to the American Federation of Musicians. . . . I have approx. 11K of equipment insured . . . 3 guitars, 4 amps, rack and effects, and the premium is about $120 per year. Of course, there's the annual union dues to pay . . . I belong to both Nashville and Cleveland (OH) and the dues are about $125 each there, also. OF course, you only need to belong to one local to have the insurance available.

Al Marcus · Post by **Al Marcus** » 11 Oct 2002 1:25 pm

Hi Chick, I belong to Local 4, lifetime member joined in 1946. It's a good idea to get that insurance.

Lifetime member...What a long haul. I cant believe it..................al

<FONT SIZE=1 COLOR="#8e236b"><p align=CENTER>[This message was edited by Al Marcus on 11 October 2002 at 02:26 PM.]</p></FONT>

Gene Jones · Post by **Gene Jones** » 11 Oct 2002 2:46 pm

When I was a young player with a new steel and amp, financed to the hilt, I found out the "hard" way that my homeowners insurance didn't cover it.... (the nice thief that took it did leave my pedal-board on the bandstand.) www.genejones.com

David Deratany · Post by **David Deratany** » 11 Oct 2002 5:52 pm

Most homeowner's policies have an exclusion for "performances for pay", and if an instrument has been used in that capacity even once, they will have a basis for denying a claim, as it will have become business property. The last thing you want is the illusion of insurance.

Over the years I have had some success getting insurers to waive that exclusion. If you do, make sure it is written in the policy itself. Don't take the agent's word for anything.

Rex Thomas · Post by **Rex Thomas** » 12 Oct 2002 5:31 am

...what Mr. Deratany said.