Professional services
Discuss allegations connected with teaching, supervision, and the services you advertise.
Bring the detail
Prepare lesson locations and teaching formats. Explain any changes since your last insurance review and ask how the proposed terms address them.
Check the wording
Review the insured activities or property, exclusions, limits, deductibles, territory, and any conditions you must follow. Confirm who is named and when protection would start.
Visitor liability
Ask about students visiting your home, a rented room, or a shared music studio.
Bring the detail
Prepare student age ranges and supervision arrangements. Explain any changes since your last insurance review and ask how the proposed terms address them.
Check the wording
Review the insured activities or property, exclusions, limits, deductibles, territory, and any conditions you must follow. Confirm who is named and when protection would start.
Instruments & equipment
Check treatment of instruments in the studio, away from home, and during transit.
Bring the detail
Prepare instrument inventory and values. Explain any changes since your last insurance review and ask how the proposed terms address them.
Check the wording
Review the insured activities or property, exclusions, limits, deductibles, territory, and any conditions you must follow. Confirm who is named and when protection would start.
Details that shape the comparison
Teaching and events
Disclose private lessons, groups, rehearsals and recitals.
Home and rented venues
Provide each location and the responsibilities in the agreements.
Instrument inventory
Ownership, values, travel and performance use help define the discussion.
Record two offers in your comparison worksheet →
Look at the whole picture
Separate policies may address different risks. Ask the provider to explain any gaps or overlaps, and keep written confirmation of the answers that matter to your circumstances.