Insurance Do’s and Don’ts for Musicians

BEST PRACTICES: INSURANCE DO’S AND DON’TS FOR MUSICIANS

dollar limits are and then judge them against your specific needs.

DON’T

Be afraid to ask questions. We see this a lot in the medical community – one of the biggest issues doctors bring up is that patients ask fewer questions at their annual checkups than they do about the menu when they go out to eat. Your health is important, and so is your insurance policy. ASK QUESTIONS. That’s what your agent is there for – they know this stuff inside and out, don’t just pick a policy blindly without fully understanding it. available so you can make an informed decision; the right decision. You don’t want to leave this type of decision to chance, this isn’t as simple as spinning a globe and pointing a finger to determine your next vacation spot; this will take a real effort to get at the heart of your band’s needs, and match them up with your agent to the right plan. Failing to ask now, means the possibility for headaches later on.

So take our advice, spare yourself the trouble and get the questions out of the way NOW. There are no stupid questions, and literally no one’s expecting YOU to be an expert on this stuff. That’s why your agent is there in the first place. Let them do their job and ask away.

CONCLUSION

You’ve heard us repeat it a million times, but to be sure, always check over your insurance policy and ask your provider to answer any questions you may have. They have the answers, trust us. The best policy (no pun intended) is consult a professional whenever you’re in doubt. Stay safe out there and look for more tips in the months ahead.

And in the meantime, check out www.kandkinsurance.com – you may qualify to get a quote or even purchase insurance online.

Music Will Survive COVID-19

Everyone I talk to in the music industry these days is truly uncertain about the near-term future of music. Oh, you’ll find some who are optimistic about venues reopening “safely,” just as you will find some that say live music won’t return until next spring. You can find some who are saying that sync (licensing music for TV, movies, ads, and games) is exploding right now, just as sure as you will find some who say that without new productions the sync game is a bit dormant. Same for streaming: more people with more time should mean racking up massive stream counts for everyone, but others are pointing to rising numbers in audiobooks and podcasts as the driving force of those larger MAUs.

The fact is: we don’t know.