Do you play the viola? Have you got your instrument insured? A decade or two back a small percentage of the musicians would insure their instrument and many wouldn't have even heard about musical instrument insurance plans. But in the recent years there has been increased awareness about insurance among musicians. The music industry in the 21st century operates like another professional business. While musicians' life is still nestled around creativity and entertaining people they also need to be aware of the risks associated with this profession. Irrespective of whether you are a professional violist or play it as an amateur, you must get your instrument insured.
A viola insurance plan is a specialized plan that has designed to meet the requirements of violists. One of the biggest challenges for any musician today is to maintain the quality of their instruments amidst the constant threat of damage and loss. Any case of loss and damage can make you poorer by hundreds of dollars. The dollar figure may rise exponentially if you play a premium instrument or one that has some vintage value. Viola insurance plan has been
designed to deal with all financial losses that you may face.
Here we take a look at some of the protection that you can expect from your insurance plan.
* Repair Costs - As mentioned earlier this is one of the biggest concerns for any musician. Your instrument can suffer damage when you are playing it on stage or while in transit. Irrespective of the damage you would need to take it to a professional for repair and depending on the damage you may have to part with a princely sum of money. Your insurance plan would take care of the repair costs and also let you hire an instrument for the time period when your viola is being repaired to fulfill your professional commitments.
* Thefts & Burglary - Thefts and burglary of musical instruments are common as these things have a good resale value in the market. And you can't rely on your homeowners plan as it offers you limited coverage and that too when the instrument is stolen from your home. You can lose it during transit or when you keep it unattended in a car park. In all such cases your insurance plan would compensate you adequately to buy a new instrument.
* Fires & Natural Disasters - There is little that one can do to prevent fires and natural disasters. When such a tragedy strikes you are at total loss as you they damage all your possessions and belongings. For any musician the loss of voila is more than mere loss of possession. It can affect your profession and make the challenging time catastrophic. An insurance plan would take care of the cost of replacing your instrument when such events occur.
Since there are a number of companies who have come out with viola insurance plan you need to be choosy. Do research on the company and make sure they enjoy strong reputation with their customers.