Insurance Services

Why do I need Insurance?

Are you worried that the baggage handler may drop your vintage Fender Stratocaster on the frozen tarmac?
Would a serious personal injury deprive you of necessary income if you couldn't perform?
Are you concerned that a long-term illness could jeopardize your finances because of missed gigs?
Do you wish you had dental insurance like your non-musician friends?
Could you survive a lawsuit if one was brought against you for injury or professional misconduct?
Do you have travel health insurance for those trips to the mainland or overseas?

For decades, the AFM has provided excellent, reasonably priced insurance options to its members through HUB International, an Ontario-based company.

The best-known coverage is the inexpensive instrument insurance policy available to members of the AFM. Recently our provincial association has helped expand insurance options to include a full range of insurance for musicians.

Instrument and Liability Insurance

Most homeowner's and renter's insurance does not protect you from loss or damage to equipment or instruments that you use professionally. Even if you are covered, it is usually only at home. This policy protects your instruments and music-related equipment from vandalism, breakage, water, fire, lightning, and theft up to full replacement value. And coverage goes with you everywhere and is good world-wide.

As a rider to an instrument insurance policy, AFM members can have liability coverage and be protected if someone is injured during a performance, or if they are sued for unprofessional conduct. This covers losses up to $1,000,000 for each occurrence and up to $2,000,000 of aggregate coverage for lawsuits arising out of bodily injury and/or damage to property of others occurring on or off premises during your work. Check with HUB for reasonable rates on this option.

Features of the Program

All-risks’ coverage on your instruments and equipment
Worldwide coverage - no Territory Exception
Rental Reimbursement -- up to $10,000 in coverage, if you need to rent instruments or equipment in the event of a loss
$100 deductible per occurrence on instruments and equipment, as opposed to other proposed rates are $250
Up to $2,500 coverage on promotion material, T-shirts, CD’s, posters, etc.
Loss of earnings up to $5,000 due to loss or damage to venue
Loss of earning up to $5,000 due to loss or damage to equipment
Locked vehicle – no exclusion
Rented, Leased or Borrowed Equipment, $10,000 limit up to 30 consecutive days
Optional Commercial General Liability including bodily injury, property damage, medical payments, tenants legal liability and non-owned automobile

Instrument/Equipment Insurance Rates

$2.20 rate per $100 sum insured for Instruments and Equipment ($100 deductible)

Liability Insurance Rates

$500 deductible
$1,000,000 limit - $66/member
$2,000,000 - $127/member
Higher limits available upon request
(Higher limits available upon request)

This coverage is available only to AFM members. To learn more about becoming a member please contact Cathy Lee at clee@afm.org.

Musicians' Instrument Equipment Liability Application

For questions on the program or to submit your application please contact:

Hub International
Cristina Omar
3063 Walker Road
Windsor, Ontario,N8W 3R4
Telephone: 519-325-1785
Fax: 519-966-6177
Toll Free: 1-800-463-4700 Ext. 1785
Email: cristina.omar@hubinternational.com

Travel Medical Insurance

The cost of receiving emergency medical care abroad can be staggering. Before you leave the country for work or vacation, make sure you’re protected.

The CFM offers Emergency Medical Travel Insurance at preferred rates through our Discount Savings Program exclusive to members and their familes.

$138.99 gets you coverage for a year world-wide, applicable to as many trips as you like (as long as each trip is 60 days or less).

So for example, you can have coverage for 3 trips that are each 50 days long.

Please contact Cathy Lee, Membership Services Coordinator for more information: clee@afm.org, 416-391-5161 ext. 231 or 1-800-463-6333.

Health and Dental Insurance

Customizable health and dental plans are available to AFM members through Great West Life in collaboration with HUB International. In addition to health and dental benefits, there are other program types including Critical and Disability, Evacuation Services and Expatriate Plans.

For quotes on Health and Dental CLICK HERE.

For any questions on health plans and benefits, or to apply please contact:

Jennifer Francis: 416-597-7729, jennifer.francis@hubinternational.com or Nicole Apostolidis: 416-591-7051, nicole.apostolidis@hubinternational.com.

Personal Accident Disability Insurance and Basic Critical Illness Insurance

Please contact Hub brokers to find a plan that fits your needs: Jennifer Francis: 416-597-7729, jennifer.francis@hubinternational.com or Nicole Apostolidis: 416-591-7051, nicole.apostolidis@hubinternational.com