Rule 1. If you're too hurt or sick you're gig ain't gonna stick!You've got to stay healthy, which first should mean that you put away that fast food, stop smoking and cut back on the booze, but if you aren't gonna do that you've got to have a health plan.
Me, I've got Health Net in San Diego. In fact, click "Health Net" and you'll see the exact one. My voice starts to go away. I go see the doc. My throat's closing up I go see the doc. It is not fun performing sick. Keep yourself well and your shows are way better. Heck, now with health care reform in most states you might be able to get coverage for almost nothing. I know how much working musicians struggle and finances sometimes are not what we dream. Well! take advantage of the system that will give you the coverage, potentially, for next to nothing. All you need to do is look into it. Why not start HERE? On the next screen you'll start by entering your zip code. |
Rule 2. If your gear gets thrashed, your career is trashed.Unless you have an open sponsorship because you are a giant worldwide band, you probably aren't smashing your gear on stage. You need to protect your gear.
Coverage for your gear will start at $3.50 per $100 of value. However, discounts may apply if you also obtain liability insurance from Rule #3. I had two guitars break, one at the nut and one in a "zipper crack" along the side. But guess what? I had a personal policy that umbrella'd all my gear and the $600 in repairs cost me nothing. I'm still using those two guitars today. Stop buying that "pro-coverage" from Guitar Center and get yourself a personal or commercial property policy. You can drop all your instruments, speakers, effects, lights and more right under it. Then you can rest easy. Personally, our group deals with kids all the time. This coverage is a must. You know you need protection for the equipment that keeps you in the cash. Why not start HERE? You'll need to apply to get your price. Please, call me direct at 888.587.9370 to discuss this form or...complete what you can of the Liability Application and fax it to 866.375.5122. Don't forget your signature. I'll call you back to fill in any details. |
Rule 3. Liability Insurance is your friend.Whether you're Steven Tyler, falling off a stage, or a local coffee shop acoustic player smacking a patron in the head with your guitar's headstock. You need liability insurance!
Do you want to get sued? No one does and today many venues ask you to provide liability insurance before they book you. In many cases they are also gonna ask you to put them on as an "alternate insured". That's a pain, but with our coverage it's no problem! Our policy has a "Blanket" Alternate Insured clause that will let you add them yourself! No more filling out forms and sending them. Then waiting for the response. Check out what we've got here. We'll get you what you need and keep the cost down? You know you need it. Why not start HERE? You'll need to apply to get your price. Please, call me direct at 888.587.9370 to discuss this form or...complete what you can of the Liability Application and fax it to 866.375.5122. Don't forget your signature. I'll call you back to fill in any details. |