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Liability Insurance for Musicians
Posted: Wed Sep 27, 2006 12:19 pm
by Scott Sutherland
My quintet needs to get liablilty insurance for the touring that is coming up along with some of the recitals we are planning at local high schools. Any suggestions as to where one might go to get this insurance?
Posted: Wed Sep 27, 2006 12:25 pm
by tubaguy9
Wow...sounds like something I need. I don't know of where to get it, but I'm wanting to watch this thread, and I don't know of another way besides this.
Posted: Wed Sep 27, 2006 12:29 pm
by tubaguy9
Wait...As I think about it, talk to your insurance agent
Posted: Wed Sep 27, 2006 1:03 pm
by windshieldbug
Do you think that you might perform so badly that the composer/audience might sue?
Posted: Wed Sep 27, 2006 1:40 pm
by ufoneum
I don't know if it applies to what you are doing, but I do know that you can purchase insurance through the AFM if you are a member. Hope this helps.
- Pat Stuckemeyer
Posted: Wed Sep 27, 2006 2:12 pm
by Dennis K.
I suspect the insurance that will be required by the school districts is the type of personal liability insurance that teachers carry.
I'm sure the local teachers' union can give you more details.
Posted: Wed Sep 27, 2006 4:12 pm
by UTTuba_09
I went through USAA (if you or a member of your family is in the military) and I purchased "Valuable Personal Property" insurance. Both of my horns are insured my Kalison for 6,000 and my Yamaha for 1,000. Costs about 10 bucks a month...
Posted: Wed Sep 27, 2006 5:40 pm
by tubabernie
I just got off the phone with Clarion Insurance, This seems like a really good deal. Thanks for all those who told me to check this out.
Posted: Wed Sep 27, 2006 9:38 pm
by Steve Inman
My brass choir (~12 to 14 piece -- Christmas season only) used to play at the local shopping mall until they started requiring a $1M (insert little finger tip between lips ala Dr. Evil) liability insurance. Hence, we no longer spread Christmas cheer there.
Does "Clarion" cater to musicians somehow? Any other "musician friendly" options out there?
Curious in Kokomo,
Posted: Wed Sep 27, 2006 10:34 pm
by Mark
Steve Inman wrote:My brass choir (~12 to 14 piece -- Christmas season only) used to play at the local shopping mall until they started requiring a $1M ... liability insurance.
I've done this a few times. For a single event, the insurandce is not really that expensive. The last time I bought a policiy for a single day at a single location, it was less than $100.
Anmd to a earlier poster, most schools do require that you show proof of a general liabilty policy. The school wants you to pay if someomne slips in the theater and sues.