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What is Recording Studio Insurance?
Operating a recording studio can be both personally and financially rewarding, but studios are exposed to several risks that they should protect against. One way that Massachusetts recording studios can protect themselves is by purchasing recording studio Insurance.
Recording studio insurance is specialized commercial Insurance designed for recording and music studios. These policies normally come and package policies that are able to protect against multiple risks by combining coverages together.
Most recording studios in Massachusetts can benefit from the protections offered by music studio insurance. Not carrying insurance can leave a business unnecessarily exposed to risk, and this tends to be the most appropriate commercial insurance for recording studios.
Moreover, recording studios generally should have music studio Insurance regardless of their business structure. Sole proprietorship, limited liability corporation, C corporation and S corporation business structures provide some protections, but those protections are largely different from what an insurance policy affords.
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As mentioned, music studio policies normally come with multiple coverages. Many of these coverages can be categorized as either liability protections or property protections.
Liability protections primarily guard against lawsuits where a business may be held financially responsible. Some of the liability protections that music studio policies frequently offer are:
Property protections mostly guard against damage to studio-owned assets, such as facilities and equipment. Some of the specific property protections that policies often offer include:
Studios sometimes also get dishonesty coverage, which typically covers employee theft and sabotage.
An insurance agent who specializes in these policies can explain the above coverages and any other available coverages.
Premiums for music studio policies vary, as they are based on many different considerations. Some of the factors that insurance companies frequently take into account are a studio's location, annual revenues and past claims history.
An independent agent can help studios compare policy options from different insurance companies. Independent insurance agents aren't obligated to promote any one insurer, which allows them to objectively compare options from various companies.
If you need help ensuring a studio in Massachusetts, contact us at The Feingold Companies. Our independent insurance agents will help you assess your studio’s coverage needs and find a recording studio insurance policy that meets those needs well. With our help, you can be confident in the insurance that you purchased for your music studio.