Are you really covered? Homeowners and professional liability. (Association News).(Brief Article)

Is your instrument insured properly? Many music professionals believe their homeowner's insurance will provide coverage for their instruments. In most cases, those we've talked with are very surprised to learn their homeowner's insurance will not cover instruments if they are used in "for-profit" activity. Separate coverage for your instrument often is necessary for it to be appropriately insured.

Listening to MTNA members, we also have learned that many members have no coverage to protect themselves professionally. Unfortunately, this is the way many feel about insurance coverage until they need it. Those who assume they do not need general and professional liability insurance leave themselves open to several liability exposures. ...