insurance Options

[ten left thumbs]

I try not to think about insurance, but something in the small print of a venue I hired prompted me. I'm just thinking about indemnity insurance. I'm an independent teacher, have students in the house, and a few recitals at venues.

Where do others get insurance from?

[Alicia Ocean]

It comes as a part of my EPTA membership. I think it comes with MU and ISM membership too.

[owainsutton]

It comes as a part of my EPTA membership. I think it comes with MU and ISM membership too.

I can confirm this for the ISM.

[Bagpuss]

...and me for the MU (IMG:style_emoticons/default/smile.gif)

Union-Bag x

[owainsutton]

An additional thought which you probably don't want (IMG:style_emoticons/default/ph34r.gif) ....most normal household insurance policies exclude any business use involving customers entering the property, and it could be a reason for them to wriggle out of a claim. I bought mine from homeprotect.co.uk, one company which does cover this situation.

[ten left thumbs]

Useful info, thanks.

Owainsutton, I try not to think about that too much. I'm not so worried about the replacement value on my Ming vase (perched precariously on the piano lid) as I am about the thought of someone tripping up and blaming me.

Common sense has prevailed so far, fingers crossed.

[Tenor Viol]

For groups...

Just about every local authority and other purveyors of venues seem to insist that you have your own PLI (public liability insurance, usually this will include third party as well) cover.

If you are a music group of whatever size (as oposed to an individual) it's worth joining Making Music as their PLI is good value.

[ten left thumbs]

For groups...

Just about every local authority and other purveyors of venues seem to insist that you have your own PLI (public liability insurance, usually this will include third party as well) cover.

If you are a music group of whatever size (as oposed to an individual) it's worth joining Making Music as their PLI is good value.

It looks like the Making Music is for groups with specific (i.e. named) members?

Just asking, because I also run a mum and baby singing group (already have insurance for that through Balens), but if there is a body that will give me insurance formusic events I run generally, then I would rather just have one policy which covers both. The singing group is a drop in and there's no way I could restrict it to just 'members'.

[Tenor Viol]

For groups...

Just about every local authority and other purveyors of venues seem to insist that you have your own PLI (public liability insurance, usually this will include third party as well) cover.

If you are a music group of whatever size (as oposed to an individual) it's worth joining Making Music as their PLI is good value.

It looks like the Making Music is for groups with specific (i.e. named) members?

Just asking, because I also run a mum and baby singing group (already have insurance for that through Balens), but if there is a body that will give me insurance formusic events I run generally, then I would rather just have one policy which covers both. The singing group is a drop in and there's no way I could restrict it to just 'members'.

I'd give them a ring and see what they say - can't hurt.

[flautistphilosoper]

Insurers make money because of fear. The latest report from the ISM about legal help was very enlightening as it seemed to indicate that most legal problems musicians had were about getting money, enforcing contracts and similar; there was no indication that anyone had sued because the piano lid had fallen on their hands and crippled their chances of becoming the next Horowitz. Also, think about it, as soon a a parent approached a law firm about such a claim, and the law firm discovered the teacher in question had no insurance do you really think they would go ahead with the claim? They want to claim from people they can make something from (e.g. councils, hospitals, groups, or other insurance companies).

[ten left thumbs]

Insurers make money because of fear. The latest report from the ISM about legal help was very enlightening as it seemed to indicate that most legal problems musicians had were about getting money, enforcing contracts and similar; there was no indication that anyone had sued because the piano lid had fallen on their hands and crippled their chances of becoming the next Horowitz. Also, think about it, as soon a a parent approached a law firm about such a claim, and the law firm discovered the teacher in question had no insurance do you really think they would go ahead with the claim? They want to claim from people they can make something from (e.g. councils, hospitals, groups, or other insurance companies).

I'm more concerned about not being able to hire a venue because the church quite rightly insist on sticking by their own terms and conditions.