WEDNESDAY, FEBRUARY 8, 2017
If you are part of a band, you know that your image is everything. In addition to making great music, you also work on building your professional reputation.
Some musicians get a bad reputation for being difficult acts to book. These musicians might cause damage or not respect the venue they perform in. But, a responsible performing group always honors their contracts. They do their best to act responsibly wherever they perform.
It is your professional duty to protect your group, audience and hosts from insurance risks. Fortunately, there are various types of entertainment insurance available to provide coverage throughout different aspects of your band's activities.
You might take your band across town to perform in a small bar, or you might take them to across the country on a full-fledged tour. In any case, travel insurance can help you make up for many incidents you could face while on the road.
Travel insurance often includes trip interruption and lost luggage coverage. This protection is key as there's always a chance your flight could get canceled or your instruments could get lost in transit. If you have to cancel your event for these unavoidable reasons, insurance will likely reimburse you. But remember, your policy must cover the reason for the cancellation.
In certain cases, travel insurance might also offer a degree of health coverage. This is especially beneficial if you travel somewhere your regular health insurance policy excludes.
Commercial Auto Insurance
When you're taking your band from Point A to Point B for a gig, your transportation is a business liability.
Commercial auto insurance can protect you in the event that a group vehicle is involved in an accident. This policy includes higher coverage levels to better protect your interests.
Bodily Injury and Property Damage Coverage
An incident may happen that is beyond your control. For instance, the band may accidentally damage property while performing. But if this happens, there's no need to worry; your liability coverage may help cover accidental damages to a venue or individual's property.
And it doesn't stop there; if a fan gets hurt while your band is performing, the band's liability coverage may also cover medical costs.
Personal Property Coverage
Entertainers can usually qualify for personal property coverage. This protection could come in useful if an unforeseen or random event were to damage the band's instruments, setups or acoustic materials. These items are expensive and could cost the band lost earnings in addition to replacement costs.
It's wise for bands to carry a degree of personal property coverage. These policies provide financial reimbursement if something damages equipment and instruments.
McInnis Insurance Services, Inc. can help you get the customized coverage your band requires. Call us at (844) 926-0860 for more information on our entertainment insurance options.
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