Musician’s Home Insurance launches

Prosure Insurance has launched a new service to cover musicians’ gear at home and when out gigging. Musician’s Home Insurance was created by an experienced bass player with semi-professional gigging bands, and the owner of Prosure. “Most of us think insurance is boring, until your stuff gets nicked.”Previously, like most of my gigging friends, I relied on my home contents insurance to cover my gear when I was out playing.

“Then I discovered to my horror that the small print of standard home insurance policies specifically excludes all ‘business use’. That means that if you get paid for a gig (even just a £30 session at the local pub) it can be classed as business use. Your insurer could legitimately refuse to pay up if your beloved guitars, drums or keys get stolen.”

This is why many serious pro-musicians take out another separate policy specially to cover their music gear. But that means they have to have two policies, one for the home and one when gigging. It’s fiddly, time-consuming and expensive. So Svendsen sat down and devised a brand new policy called Musician’s Home Insurance.  Under his existing business Prosure Insurance Services the policy officially launches this month.

“It provides all the usual home insurance requirements, including buildings, contents and personal possessions – even details like freezer cover, money and credit cards, he explained. “What I’ve added is special cover for your music gear at home AND when out gigging, which can also include theft from an unattended vehicle, European cover and much more.”

“Being a musician myself I’ve managed to devise a policy that does everything a musician needs. And best of all I’ve been able to do it at a really good price because I know all musicians are always short of money!”

We know from the start you are a gigging musician who gets paid for playing,” explained Svendsen. “In fact, we take an active interest in your gear, exactly where and how you store it, plus the type of gigs you play and how frequently. You can rest easy knowing it’s all fully insured and there will be no nasty surprises should anything get stolen or damaged.”

Musicians Home Insurance also includes £1,000,000 of public liability cover (it’s often a chargeable extra on music instrument policies).

Find out more about the new policy Here: