Bossman
active member
Joined: 30/09/02
Posts: 1540
Loc: UK
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Studio Insurance
#43649 - 01/11/04 09:58 AM
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I think I need to get some insurance for my studio... ...at the moment i have
ordinary house insurance and they tell me that im covered for upto £50,000 of equipment.
Now this is fine while my studio is at my house (and non-commercial), but soon I want to
move it to new premises and take stuff to gigs etc. Can anyone suggest some
good specialist studio/music-equipment insurance companies? thanks
-------------------- www.Lozjackson.com
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Wease
Joined: 17/07/03
Posts: 1986
Loc: Sunny Walsall
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Re: Studio Insurance
[Re: Bossman]
#43671 - 01/11/04 10:38 AM
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Commercial insurance is different.....you have to have public liability etc etc - which is
a whole other can of worms... however.... I have studio equipment on
my house insurance...(sadly most expensive peice of gear is £1,500!) - anything under
£1000 is automatically covered...as it is a home studio thats non commercial (well - to
the taxman  ) - other items are additionally covered I do however have an
endsleigh brochure regarding their sepcific music insurance (which seems directed at the
live musician more but hey)....However, I'm sure there was a huge thread regarding pro's
and con's of insurance companies and policies on the old forum (can't access at work) anyone have a link??
-------------------- http://soundcloud.com/seaapes
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mattneighbour
minus nine
Joined: 07/01/03
Posts: 394
Loc: York, UK
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Re: Studio Insurance
[Re: Wease]
#43679 - 01/11/04 10:55 AM
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Hi, In my experience MusicGuard from Pavillion are a bit expensive but quite
good. I have friends who are with them too and we all signed up independantly of each
other! They do cover with no excess and include public liability insurance to several
million. They have 3 policies, everything in one place, everything insured anywhere or up
to 50% of the value insured on the road (intended for people like us with studios who gig
with some of it). Musicguard One of my friends said how some roadie trod on
his expensive headphones at a gig. He made a claim and they paid up with no quibbles. hth, Matt
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Un! Recordings
Joined: 05/10/04
Posts: 395
Loc: Sheffield
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Re: Studio Insurance
[Re: Bossman]
#43694 - 01/11/04 11:16 AM
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the old phrase of 'well my home contents insurance covers me for up to £xxxxx' is very
dodgey territory. the fact is that this only covers equipment for non-commercial use. if
you've ever done a gig then that's classed as commercial use, and therefore most musicians
will find that they are not covered and it all boils down to the tenacity of the loss
adjuster should the worst happen. i get pro insurance and it currently costs me £500 a
year, which is double what it cost me 2 years ago...
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John Willett
Sound-Link ProAudio
Joined: 07/03/00
Posts: 11961
Loc: Oxfordshire UK
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Re: Studio Insurance
[Re: Bossman]
#43700 - 01/11/04 11:25 AM
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I have my gear insured on the home insurance - BUT - specifically included for business
use.
I have a seperate policy for up to £15,000 for equipment taken out of
the house and includes cover in an unattended vehicle (but not in a vehicle at home).
The insurance is designed for musical instruments, but does include recording
equipment.
If you are a gigging band, I am not so sure.
I get my
insurance through Sharron O'Gorman at Golden Valley Insurance, she is very helpful and the price,
perfect.
I get my Public Liability insurance there as well.
-------------------- John - Sound-Link ProAudio
President - Federation Internationale des Chasseurs de Sons
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Wibbleflex
Joined: 01/09/04
Posts: 180
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Re: Studio Insurance
[Re: Bossman]
#43706 - 01/11/04 11:41 AM
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I had a house burglary and my insurance company try and find items of the same spec at PC
world, Dixons etc that they have a deal with. Guitars etc you have to find a similar
model, then arrange for them to pay the shop.
You might want to check this out
as you don't want them replacing your audio PC with some generic model, or a studio amp
with consumer. It's a pain in the arse arguing with them, and the process takes months.
Has anyone used an insurance company that replaces your stuff no hassle?
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sam
Joined: 06/09/04
Posts: 265
Loc: London
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Re: Studio Insurance
[Re: Wibbleflex]
#43729 - 01/11/04 12:24 PM
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avoid music guard - they refused to pay up on a very small genuine claim with me
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GlynB
Joined: 26/09/03
Posts: 3906
Loc: Lancashire, UK.
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Re: Studio Insurance
[Re: Wibbleflex]
#43733 - 01/11/04 12:36 PM
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Quote Wibbleflex:
I had a house
burglary and my insurance company try and find items of the same spec at PC world, Dixons
etc that they have a deal with. Guitars etc you have to find a similar model, then arrange
for them to pay the shop.
You might want to check this out as you don't want
them replacing your audio PC with some generic model, or a studio amp with consumer. It's
a pain in the arse arguing with them, and the process takes months.
Has anyone
used an insurance company that replaces your stuff no hassle?
One thing is proving you had the gear in the
first place. Take down all serial numbers and makes/model of anything expensive and take a
photo of it too as a backup. Also may help the police if they should recover any stolen
property, which does occasionaly happen.
it's worth checking with your house
insurance. My policy covers my 1970s telecaster, even when I'm using it out of the house
(at gigs).
We took out musicmaster insurance to cover the gear whilst in
transit on the van/car. it's covered apparently, providing you take steps to hide the
equipemnt by placing a blanket/cover over it to make it less obvious. We pay the premiums
through gig money.
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Wibbleflex
Joined: 01/09/04
Posts: 180
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Re: Studio Insurance
[Re: Bossman]
#43737 - 01/11/04 12:52 PM
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Quote:
One thing is proving you
had the gear in the first place. Take down all serial numbers and makes/model of anything
expensive
This was done,
but still took months of letters back and forth to convince them that PC world could not
supply the computer. I'd pay a bit more for a company familiar with music equipment.
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Alex Harper
Joined: 27/05/04
Posts: 688
Loc: Manchester, UK
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Re: Studio Insurance
[Re: Wibbleflex]
#44046 - 02/11/04 12:25 AM
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I use E&L. its only a few pounds a month, which insures me for all gear (apart from
software) for all uses, and unattended vehicle cover, and £1M of public liability.
I've never had to claim though, so I don't know what they're like.
--------------------
om mani peme hung
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www.7161.com
Joined: 02/09/04
Posts: 697
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Re: Studio Insurance
[Re: Bossman]
#44248 - 02/11/04 01:52 PM
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Tolson Messenger - they do it all, P.L and spoecialist pc and gear insurance
-------------------- www.7161.com
Free online music space & Homepages
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