How prepared are you?
It’s time to prepare for a new school year and plan those fall and winter activities. Although you are a busy music professional, when preparing for the coming school year, remember to take time to review your insurance coverage before you start organizing those class schedules, private piano lessons and programs.
Many music professionals are surprised to learn their homeowner’s insurance will not cover their instruments if they are used in “for-profit” activity. Musicians need to be especially careful to make sure their insurance coverage is adequate for their activities.
Additionally, many music teachers also have no coverage to protect themselves professionally. Unfortunately, this is true too often; only after an event occurs for which insurance would be a solution, do they believe they need it. Remaining uninsured leaves you open to several liability exposures.
The Robert H. Clarkson Insurance Agency has worked diligently with national insurance companies to make many types of insurance products available to MTNA members. By request, telephone and online application services for the general and professional liability, abuse defense and musical instrument plans are now available.