Whether your performances involve elaborate sets and lighting or go a more bare-bones route, you probably have property that you would prefer not to have to pay to replace. Property insurance covers all of these things: sets, props, costumes, equipment, computers, etc. This coverage is also referred to occasionally as “inland marine”. Do note that this is slightly different than coverage for your instruments: more on that later!
Don’t assume that general liability insurance automatically protects your property as well. Unless property is specifically added to the policy, it does not. While a general liability policy may list “property” coverage, that is “property” in the real estate sense of the term: an actual physical structure.
Most property coverage includes a deductible, so if the value of your property is lower than or close to that deductible then this is not a worthwhile investment.
So I’ve covered myself, my performers, and my equipment. Should I be considering insuring my instruments as well? Good thinking! Instrument Insurance
Now that I've covered all of my stuff, do you have any advice about health insurance? Absolutely! Health Insurance (Individuals)