I’m interested in getting a good professional liability policy. The
thought of a client tripping on my stairs when coming for a
consult–or tripping over an amp cord at a gig, or scratching
someone’s car when unloading harps/equipment, for that
matter– gives me the creeps. State Farm and Allstate don’t offer
musicians policies of this sort, and I’m not covered for it under
my homeowner’s insurance. The harps themselves and all their
accessories are already covered under their own separate
policy. Has anyone got any suggestions on how to handle the
liability issue?
If you want liability insurance because you actually WANT liability insurance, well, then, I’m not sure how to help you.
However, if you want liability insurance because catering halls are beginning to demand it — as is happening, slowly, here on Long Island — here’s my solution:
Thanks Janet. Yes, it is too ridiculous. This is a famous BIG resort. I resent it also. What could happen? I am never away from my harp, and in fact do not even let the valet guys move it …ever. The Marriott’s around the country started this about four years ago, but I’ve never needed “proof” before. Unfortunately I am the entire orchestra(!) for the ceremony and luncheon. Sooo looking for easy policy, with the shortest amount of time that I can have it for.
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