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The phone call you pray never comes.....

#81
Jeff Roller said:
We didn't load in early, we played last weekend, and looked forward to not having to move our stuff for three weeks. We play this venue at least once a month, and I've played this venue off and on for over 20 years, so never a second thought about leaving your equipment.

Again, nobody was hurt, and any damage to equipment is unknown until we set up again and power up.

Hopefully this is just a close call, and the only loss is revenue. Financially, I'm fortunate that my day job covers my needs, but my band mates will feel the pinch.

Hopefully my experience will have our community thinking about worst case scenarios and planning ahead......
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Jeff Roller said:
Agreed, very thankful that all is not lost!

Tonight made me recall memories of bands that did lose everything in venue fires (frankly, bands with way more potential and futures altered forever).

We are only a "weekend warrior" band, but the loss of revenue at Christmas is real...

Just heard from the guitarist, a venue we had to turn down for NYE because of prior commitment is interested, so we may salvage something!
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Glad to hear no-one was hurt.
Sorry for you and your band's loss of revenue. I hope the equipment is okay and the other venue deal comes through.




JimmyM said:
... The house always wins.
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Too true, that.

Had a friend whose house was broken into, 3,000+ CDs taken (not $3K, but 3,000 CDs including many rarities etc) – no way was the insurance company going to repay him for the imports/shipping fees/limited editions etc – just bargain-bin pricing per CD;
another friend had his bike stolen... It's a joke what home-owners insurance covers for a "bicycle" relative to the actual cost of any high-end bike.



It's tedious, but ALWAYS read the fine print.
 
#82
That's why I purchase "replacement cost" insurance. I had an uncle who collected well over $100K (maybe $200K?) for contents following a house fire. He would find something, say like an 1950 F model Gibson mandolin, turn in his receipt, and get reimbursed. Clothes, TVs, appliances, musical instruments, you name it. He did have a list in a safety deposit box, with serial numbers and purchase receipts. He was a hobbyist musician, no income from playing.
 
#83
yeah, I got a call yesterday, about all the rain we've been getting in Northern California.
"hey man, there is a problem at the rehearsal space. There is a leak from the ceiling, and, well, ummm, it leaked all over your drum kit. we moved them out of the way for you."

So I go over there with some towels, broke down the kit, dried every part, put it back together, seems fine, but still a terrible phone call to receive. I just had visions of my 1963 Ludwigs floating in a puddle of nasty rainwater.
 
#84
tms9 said:
I have musical instrument insurance with Heritage Insurance. It's not crazily expensive. Worth checking out.

Heritage Insurance Service - Insurance for fine musical instruments Insurance
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I'm surprised it took until the fourth page in this thread before someone really brought up these specialty insurance carriers and plans. I have looked into this before and shame on me for not following thru on it myself, but you can get around 7,000.00 of coverage for around 100.00 a year. And they cover anything and everything. If it falls out if the back of your trailer going down the highway and is smashed to pieces they cover it. Theft whatever it is. It is really inexpensive especially in light of the fact that most homeowners plans aren't going to cover a gigging musicians gear.

We should all be more on the ball with this kind of thing, myself included.
 
#86
I have had about $10K worth of equipment insured by this company for about $150, good anywhere in the world. It even includes rental reimbursement, meaning it would pay for renting equipment for a gig if you original equipment had something happen to it.

MusicPro Insurance -- Affordable Insurance for the Music Professional

I do not own much equipment now, on a break, but will go back to them in future if homeowners will not cover.

Worth it to me. I have heard too many sad stories about stolen, lost, or ruined gear.
 
#87
Glad to hear your gear may have survived.

Myself, i would never leave gear of value at a venue, unattended, for any prolonged amount of time. Depends on the place, but that sort of situation just makes me nervous. Think of the varied staff passing through, patrons, or possibility of break in. Too many ways for something to go wrong, resulting in theft, or misuse, or in your case a fire. Just sayin!
 
#88
Really appreciate all the links to different insurance specialists.
The only experience I have is with Anderson out of CT. Never had a loss, so the only experience I had with them was sending them money. They came highly recommended by several mutual musician pals at the time.
When I took a hiatus from gigging, I dropped the coverage. Didn't make sense at the time to continue the policies, even though I should have known I wouldn't stay away from it for long.
Merry Christmas all!
 
#89
Nothing better then leaving gear setup and not breaking everything down. Although, there's always that little bit of doubt in the back of my mind. I've never left a bass at a venue. Amps and cabs have always seemed less personal to me.
 
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