A couple weeks ago, I talked with a fellow entertainer who just finished playing a wild wedding. He wanted to know if I still had a spare PSR-740 around that he could borrow for a gig (job) he had the next evening. Unfortunately, both have been sold, and when I asked why he need another keyboard he said his current board was trashed at a the wedding job. Apparently, someone who was blasted out of their mind stumbled into the keyboard while carrying a couple pitchers of beer--end of keyboard.

The irony of this is when I asked if he had insurance he said "I didn't know you could get insurance on music equipment." Not only did the beer trash his keyboard, but it also destroyed a brand new mixer, and made it impossible for him to play the following week's jobs. He ended up turning the jobs over to others in the area, which covered his butt for the time being.

Bottom line is he was unaware that you could insure music equipment and do it for a reasonable price. All of my equipment is insured for full replacement value, no deductables, and all hazards--even if a drunk stumbles into the keyboard and fills it with beer. The cost is quite low, under $100 a year, which is dirt cheap when you consider how much we all have invested in equipment.

Just today, he purchased a new PSR-2100, Peavey mixer and a new mic, then called my insurance agent at Erie Insurance Exchange and had everything covered. He says he now knows why I no longer do weddings unless the couple getting married is over age 50.

I wonder just how many pros out there carry insurance on their equipment?

Gary