How do y'all insure gear?

K

KenSluiter

Guest
I'm looking at new insurance policies. How do the project/mid-sized studios set-up insurance? Are you just insuring the gear itself? Do you have business liabilty insurance? What if you travel w/ gear? Do you have a floater-policy?
 

anonymous

Well-Known Member
Joined
Feb 10, 2001
You can insure ANYTHING - ANYWAY you want.

All the gear at your base + The maximum you imagine taking way from your base.

I walked into my insurers with a 'map' and paper cut-outs... I used the cut-outs on the map to get across the various (complicated) scenarios my gear can get into.

They LOVED that! :)
 

anonymous

Well-Known Member
Joined
Feb 10, 2001
As a member of the musician's union, i insure everything i own through their group instrument inusrance policy. (Seabury & Smith out of Park Ridge, Illinois is the underwriter) All my gear is covered at home, on the road, in the car, or whatever. Premiums are approximately one percent of the insured value. You could always consider joining the musician's union if you don't come up with a good alternative.

All of my specifically computer-type gear i insure through SAFEWARE out of Columbus, Ohio.
 
P

Pete

Guest
I use a business rider attached to my homeowners that covers all my gear at my studio ( attached to the house.) doesn't cover stuff I take out though, I would have to get a 2nd rider for that. If you own or are buying a house talk to your insurer. when I had an apartment I did the same thing just under renters insurance. Good Luck.
 

anonymous

Well-Known Member
Joined
Feb 10, 2001
Carefull the home insurance dosent screw you by not allowing 'business" equipment to get cover...in case of fire or theft...

:(
 
P

Pete

Guest
Thanks Julian I know , I had to go in a couple times because I kept catching things like that but in the end after spelling out exactly ( maybe shoulda done the cutout thing) what I wanted and needed I got it.
 
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