Musician Insurance - Are you covered?

So, here's the deal with musician insurance and the independent music artist...

As an independent music artist you are in charge of your music, business and life. You are also free to make your own decisions in line with your values.

Power and freedom comes however with responsibility.

It's simple. You have to watch your own back because nobody else will!

I have created this page about insurance because many independent artists overlook this important matter.

Now, I'm obviously no insurance expert. I provide this page to you for informational purposes, as a starting point for your own research.

I suggest you look into the matter carefully and then choose the cover which best suits your particular needs and budget.

You'll probably need two basic types of insurance...

1) Instrument Cover

You've invested a lot in your gear so musical instrument cover makes sense, especially due to the fragile nature of most instruments and equipment.

You'll discover specialized insurance companies exist which cater to the needs of musicians.

Here are two companies I found which you may want to take a look at...

In the US: Music Pro Insurance

In the UK: Music Guard

2) Health Cover

"Plan for the worst and expect the best" I think the saying goes.

This is one of those things you don't always realize you need until you need it most. You can minimize the possibility of unforeseen financial setbacks due to medical issues with basic health insurance.

You will hopefully never have to call it in though it does come with a certain peace of mind.

Here are some resources you may find helpful...

• eHealthinsurance.com

  A broker which brings together information of different insurance plans on the market for your reference and allows you to compare premiums.

• Future of Music Coalition - Health Insurance Navigation Tool

  You'll also find this great Future of Music Coalition overview of health insurance and your choices helpful.

Do you use your own car or van to get to gigs? I suggest you also look at breakdown and road-side recovery services and the different types of vehicle insurance available to you.

Please note again that I do not endorse any of the services on this page as I'm not knowledgeable enough to make such judgments. Use your common sense and consult with experts when choosing a package to suit your needs.

I trust you've found this page helpful and will update it whenever I find more useful and relevant musician insurance information for you.

All the best,
Marius van Dyk

P.S. Wayne Kramer describes why musician insurance is important in this video below from ArtistHouseMusic.org...

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