I just received a notice that our instrument insurance company (Travelers/Heritage) is canceling our policy because of a poor loss ratio. It's true we had some extraordinary problems over the past few years, but we cannot afford to be without a policy.
Does anyone have suggestions for an insurer? I've stayed away from Clarion because they say the only insure instruments for musicians over age 18 and our most expensive instrument is played by a daughter under age 18. But it occurs to me that the instrument legally belongs to me, not her.
Any suggestions, recommendations?
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