Pianos play a major role in the lives of musicians. This is one of Canada’s most popular musical instruments. While the piano generates beautiful music, it can be a lot of responsibility. This is especially true for larger units like the studio and grand.
Some musical enthusiasts have openly admitted to investing thousands of dollars in a piano. This is a very common practice among the elite who believe music is just as important as academics.
Pianos are not only utilized to create music but also as a piece of home décor. In these cases, the piano is utilized as a focal point in a foyer, den, or living room near the front entrance. Whatever the case may be, pianos are high-maintenance instruments when they are utilized frequently.
Most people who play the piano know nothing about the tuning process. Pianos must be tuned frequently to deliver the highest sounds, prevent damage, increase longevity, and better stability.
Being a piano owner is more than just playing and tuning. Other responsibilities include routine cleaning, choosing the right location and environment, and childproofing.
The responsibility also comes with many upsides and downsides.
Hiring A Piano Tuner
Hiring a tuner should be at the top of your to-do list. Why is this practice so important? First and foremost, regular tuning can ensure the longest service life for your piano. It can also protect the interior components from damage related to normal wear and tear.
It is also important to note, not all piano tuning services are created equal. In fact, some lack the skills and equipment to deliver quality piano tuning. Also, some of these services do not offer their customers financial protection against negligent acts, which could result in temporary and permanent damage.
It is crucial to only consider fully insured piano tuners. When a professional, like a licensed piano tuner, is backed by a Professional Liability Insurance (PLI) policy, your investment is guaranteed.
PLI is like a dual policy, it offers financial protection to the policyholder (piano tuner) and the customer.
Covering Your Risk Exposures As A Piano Tuner
When some people think of piano tuning, simple and quick instantly come to mind. This description of a piano tuning could not be further from the truth. In fact, a basic piano tuning task can take between 60 and 120 minutes, depending on the piano size, features, and circumstances.
A reputable piano tuner is skilled, knowledgeable, and thorough. It is not always about getting the job done quickly. No, it is about getting the job done right the first go-round.
Piano tuners have many risk exposures, including financial, brand, property damage, bodily injury, development, personal loss, and accidents. Fortunately, there are protections these professionals can put into place to minimize financial loss associated with the above risk exposures. One particular protection that comes to mind is Professional Liability Insurance.
As mentioned previously, PLI covers negligence claims related to your profession. No professional is 100 percent safe from third-party claims and lawsuits. Your piano tuning skills can be extraordinary and still be at risk.
How Much Is Piano Tuning Professional Liability Insurance
PLI premiums vary from one piano tuner to another, depending on several factors. Professionals with a negligence claim history should expect to pay higher premiums than those with no claim history.
Contact ProfessionalsCoverage to learn more about PLI premiums. In the meantime, you can request a free quote. Our PLI quote process renders quick, accurate results. Just answer a few basic questions, submit the form to ProfessionalsCoverage, and receive your free quote within 24 and 48 hours.
PLI – How To File A Claim
Canadian insurance brokerages have simplified their claim processes to ensure customer convenience. To file a claim, you will need to complete and submit the proper documents to the insurer. It is crucial, answer all the questions to the best of your ability. If you encounter an issue, it is recommended to stop, and contact the insurer before moving forward.
A missed question can result in a long drawn-out investigation. Your primary goal should be a speedy claim process. Fortunately, most insurers have taken the time to improve their claim processes to ensure convenience for all involved parties.
Contact ProfessionalsCoverage To Request A Free Quote
Once your request is submitted, we will immediately begin processing your quote request.
Disability Insurance
You biggest asset in life is your earning ability. If you are unable to work, you will need to rely on either your savings or borrow money to sustain your lifestyle. When these unfortunate circumstances occur, dependents and spouses are also impacted financially and emotionally.
Disability insurance coverage will provide you a monthly income benefit, usually totaling 70% to 80% of your income, when you are unable to work for a period of time due to injury or illness.
Types of disability insurance
- Long-Term Disability Insurance (LTD)
- Short-Term Disability Insurance
- Key Person Disability Insurance
- Self Employed Disability Insurance
- Mortgage Disability Insurance
- Temporary Disability Insurance
- Supplemental Disability Insurance
Need coverage in effect? Compare the market!
FAQ before purchasing liability insurance
- How much professional liability insurance do I need?
- How do I get a liability insurance policy?
- What does professional liability insurance cover?
- What is the difference between claims made & occurrence form of coverage?
- When will I need to be insured?
- What other professions need this type of insurance?
Other useful posts you should also read
- Canadian insurance companies that provide professional liability insurance
- How does the claims process work if I get sued because of my professional services?
- What is the cost of professional liability insurance?
- How do I apply for a professional liability insurance policy?
- How do I qualify for coverage as a professional service provider?
- What is the purpose of getting insured as a professional?
- How long will it take to get an insurance quote for my business?