Insurance questions

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Insurance questions

Postby Lee » Mon Sep 14, 2020 5:02 pm

Hey everyone I just wanted to find out what companies specialise in insurance for studios and producers?
After ringing my home and content provider to ask them about business cover they informed me that they don’t do business insurance (which is fine ). However for the last 7 years that I’ve paid them I found out that they wouldn’t have payed out my guitar for example as it’s not listed as a special item, which I didn’t know. I feel like they took my money and didn’t really try to help. You pay for piece of mind but it seems like it’s a scam. I’m a bit pissed and confused about insurance so any leads in the right direction would be great. I just want to know that if I got robbed or accidental damage they will cover it. Simple. Cheers guys.
Lee McDonald
"A smart man learns from his mistakes but a wise man learns from other's"
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Re: Insurance questions

Postby Text_Edifice » Mon Sep 14, 2020 6:04 pm

When I had my gear insured in oz Marsh were who I used - they had an ok policy for music gear etc. with options to specificy gear that 'floated' between venues / studio etc.

(for a premium of course)

There may be better options out there now but they were good to deal with and I didn't have any hassles when I had to claim.
Dave Carter

http://www.twitter.com/davecarter
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Re: Insurance questions

Postby simonstav » Mon Sep 14, 2020 8:20 pm

Go to an insurance broker and ask them to get you rates for "tools of trade" insurance.
Regards Simon
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Re: Insurance questions

Postby Lee » Mon Sep 14, 2020 8:32 pm

Ok Great thanks for the suggestions.
Lee McDonald
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Re: Insurance questions

Postby wez » Tue Sep 15, 2020 12:52 am

Lee wrote:You pay for piece of mind but it seems like it’s a scam.


That's the insurance industry in a nutshell.
wez prictor
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Re: Insurance questions

Postby stosostu » Tue Sep 15, 2020 12:01 pm

I list my instruments on my home insurance and they're then covered there, plus I use Duck for Cover for when I'm away, but I don't think they'll cover studio equipment, only instruments, and public liability.
Bob Charman - Stockport Sound, SA
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Re: Insurance questions

Postby gigpiglet » Wed Sep 16, 2020 9:35 pm

i have a great insurance broker that does our OB trucks and other specialist items.. happy to intro you on email if you like
Gareth Stuckey
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Re: Insurance questions

Postby Drumstruck » Thu Sep 17, 2020 10:02 am

also consider public liability insurance - I used to have this when doing excavation - cost about $1K p.a. and covered a raft of things.
Ian Dare
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