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Recording Studio Insurance Plan

Recording studios provide a variety music related services such as professional sound recording and mixing, amongst others. They also provide a space for artists to record music for their albums and other projects. It is a place for musicians to grow and improve as artists. However, owning and operating a recording studio includes a number of risks. There are legal liabilities related to the nature of the services you provide. There’s also the risk of accidents on your premises, as well as crime and property damage. To protect your business against these and other risks you should consider investing in a recording studio insurance plan.

Features of Recording Studio Insurance

There are several business insurance coverages to choose from that will help fully protect your recording studio from various risks. To provide your business with the best protection available, consider including one or more of the following recording studio coverages to your insurance plan:

General Liability Insurance

General liability insurance is very important for recording studios. It includes premises liability, product liability, and completed operations coverage. Premises liability will protect against accidents that may occur in your recording studio like injury, or damage to musical equipment. Product liability will cover any damage caused by products you sell, such as product quality issues. ‘Completed operations’ provides coverage for any legal accusations that come up after you have completed your services.

Equipment Breakdown Coverage

Your recording studio relies on certain equipment to function, such as the mixing consoles, multi-track recorders, digital audio workstations, microphones, instruments, etc. If they were to break down you would not be able to operate as a recording studio, and you would lose income until they could be repaired or replaced. Equipment breakdown coverage will help pay for necessary repairs or replacements so you can get back to work as soon as possible.

Property Insurance

There are many unforeseen structural accidents that can affect your studio, such as flood or fire. Other risks include property damage, leaks, and natural disasters that can’t be prevented. Protect your recording studio from these events by including property coverage in your insurance plan. This coverage will help you finance necessary repairs, and help cover the costs to replace damaged equipment and/or instruments, so you won’t have to dip into your personal savings.

Workers’ Compensation Coverage

If you have employees, you need to have workers’ compensation coverage. Most states in the U.S. require you to carry workers’ comp for your employees, but even if it’s not legally required, it is still recommended. If an employee suffers an injury at work, this coverage will help you compensate them. This coverage will help provide payment for medical costs as well as any lost income until the employee can return to work.

Crime Insurance

The expensive instruments and equipment in your recording studio are always at risk for crimes such as property destruction, theft, and dishonest employee actions. To help protect yourself against these crimes you should invest in crime insurance.  Crime insurance coverage will ensure protection against many types of crime, such as vandalism and theft, so that you are legally and financially protected in the event that they occur.

You have worked hard to build your recording studio and establish it into a successful business. Protect it from unexpected events by including the right types of studio coverages in your business insurance plan, to help protect your studio against unforeseen events.

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