Recording Studio Insurance 

 

In today's highly competitive business environment you need every advantage to succeed. That's especially true when it comes to selecting your business insurance. Recording studios are unique and shouldn't be insured like other businesses. In order to meet these specific needs, we have created a special recording studio package that broadens and increases coverage where studios need it most.  Our goal is to provide more for the insurance dollar than any of our competitors.  Recording studios have unique coverage concerns for which specific policy forms have been designed to accommodate these exposures. Our comprehensive insurance portfolio gives you the ability to combine broad property, liability, commercial auto, and umbrella coverage. 

Coverage Highlights

bullet  Building and Structures – covers materials, equipment, supplies, additions, and new construction within 1,000 feet of premises.
bullet  Equipment Coverage – protects you against a loss concerning owned, borrowed, rented, or leased tools and equipment.
bullet  EDP Equipment Coverage - a base level of protection has been built into the policy and includes the option to increase the level or schedule high value equipment.
bullet  Business Income and Extra Expense – 12 months’ actual loss sustained; no waiting period; may be excluded for premium credit.
bullet  Newly Acquired or Constructed Buildings – $500,000 with 180 days to report; no percentage limitation.
bullet  Employee Dishonesty - $10,000, increasable up to $250,000 Optional, limits of $10,000 up to $125,000.
bullet  Glass Breakage – full coverage; limited coverage ($500 pane/$1,000 occurrence) available for premium credit; property deductible can be eliminated as an option.
bullet  Accounts Receivable Coverage protects you from losses caused by damage to your re c o rds which prevents you from collecting money owed you by customers.
bullet  Outdoor Property – covers fences and walls up to $2,500, may be increased up to $250,000; signs up to $5,000, may be increased up to $100,000; trees, shrubs, plants, and lawns up to $10,000, $1,000 per item sub-limit.
bullet  Back-up of Sewers and Drains – covered; may be excluded for premium credit.

Optional Coverage

  • Automobile
  • Boiler & Machinery
  • Directors and Officers – for damages resulting from “wrongful acts” and reimbursement of loss and claims expenses.
  • Additional Insureds
  • Errors & Omissions Coverage
  • Umbrella Policy
  • Workers Compensation

 

 
Eligible exposures: Establishments that provide clients with facilities, recording equipment, technicians and materials such as tape in order to record material that the listener will hear when playing the recording. A Burglar and Fire Alarm is required.


Ineligible operations:

bullet Compact Disk Manufacturing
bullet Media Storage Centers
bullet Phonograph Record Manufacturing
bullet Videotaping Services


Related Classifications:

  • Musical Instrument Stores for establishments retailing new musical instruments & similar supplies
  • Stereo Equipment Stores for establishments retailing stereo systems and compact disc players
  • Tape, Compact Disc & Record Stores for the retailing of new pre-recorded audio and video tapes & compact discs
     
   

Long recognized for delivering superior service, St. Paul Travelers and Allen Financial Insurance Group support policyholders through its global network of loss control and claim professionals. Our loss control specialists have a deep knowledge of the entertainment business. They identify potential hazards and help mitigate or prevent losses. They can provide invaluable advice in fire prevention, disaster recovery planning, equipment maintenance and premises safety.

In a rush?     

Call 800.874.9191 for an immediate quote.

 

 

   
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Contact Information

Phoenix, AZ (602) 992-1570 WATS    (800) 874-9191
Del Mar, CA (858) 759-9191
Denver, CO  (303) 377-9180 FAX  (602) 992-8327
P.O. Box 6230  Scottsdale, AZ   85261

General Information: ballen@eqgroup.com              Customer Service: mpallante@eqgroup.com
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