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Studio Policy Application

Getting Started

To get you the best quote possible and save you time, please have the following information available before starting this application:

  • Federal Tax ID (if applicable)
  • Studio square footage
  • Annual receipts derived from the use of the studio

Applicant


Studio

Contact Full Name
Studio Address and Contact Information
Telephone and Email
(Optional)
(Optional)
Studio Details

Studio situated:
   

Studio space:
   

Do you have any employees?
   

Is studio rented to others?
   

Do others have use of your equipment?
   

Do you, or does an employee of yours, remain on the premises?
   


Coverage & Claims

Do you currently have any other commercial liability insurance that covers your studio?
   


I accept all terms of this application

NOTICE TO ALL APPLICANTS: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance containing any false information, or conceals for the purposes of misleading information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime.

DISCLAIMER: Completion of this form constitutes a request for coverage, only, and a quote, if applicable, and is not a statement of contract. The coverage descriptions contained herein only provide a general description of the available coverages and are not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements. Coverages and their availability may vary by state and additional minimum coverage limits may be available in your state.

If you want a copy of your application for your records, please print this page before clicking submit.

MANDATORY INITIAL COMPENSATION DISCLOSURE:
As required by the New York State Insurance Department Pursuant to Regulation 194

As an independent insurance agent or insurance broker Sterling & Sterling, Inc may have access to more than one insurance company to place your coverage. Whether acting as an independent insurance agent or insurance broker we have certain obligations to you as the purchaser and certain obligations to the insurance company as determined by both statutory and case law. If acting as an independent insurance agent we may have authority to obligate the insurance company on your behalf and as a result we may be required to act within the scope of our contractual agreement with the company.

As the purchaser you need to understand that we typically will receive compensation from the insurance company based on the agreement we have with each company. That compensation may vary from company to company and also may be impacted by the volume of business we place with the company, the profitability of that business and other factors.

You may receive information about our compensation on the policy or policies you select and about any policies we have presented to you which you did not select by asking us for the information.

It is our privilege to act on your behalf. Please be sure to let us know if you have any questions.



Studio Liability Insurance
Frequently Asked Questions


  • What is studio liability insurance and what does it protect against?
    • Studio liability is a form of general liability insurance. It is designed to protect you against third-party lawsuits claiming bodily injury or property damage.

    For example, if someone walks into your studio, slips and breaks their ankle, the injured person might sue you for damages (bodily injury).

    Another example would be if you rented out your studio and the renters plugged their equipment into your board and their electrical instruments blew out. The renters could sue you for damage to their property (property damage).
  • Why should I be concerned about general liability insurance?
    • People get sued. Every business opens itself up to lawsuits simply by dealing with the public. A recording or music lesson studio is no exception. Also, an increasing number of landlords require tenants to carry this coverage as part of their lease.
  • Doesn't homeowners insurance cover this exposure?
    • You must read the details of your policy to know for certain. But most exclude or severely limit the types of business operations they cover. We believe that a business is best covered by a business policy. If you operate a studio and charge a fee for its use, or are in the business of recording, you need this coverage.
  • Will the program cover bands on the road?
    • No. Our program is designed to cover "fixed locations," specifically music and/or recording studios. However, our Special Event and Performance Liability provides band liability protection on the road, and our Instrument & Equipment insurance covers your equipment anywhere inside of the studio or out on the road.
  • Does it matter how big my studio is, or how much equipment is in my studio?
    • Yes. The policy is rated on square footage of your space and annual receipts from the income made from the space. The policy starts at a low minimum premium of $425. Payment plans are available.
  • Does the studio have to be in the home?
    • No. The studio can be anywhere, whether in your home or at a separate location in the USA.
  • Is there a deductible?
    •
    No. This is what is called "first dollar coverage." You don't have to pay any deductible whatsoever.
  • Who is the insurance carrier?
    •
    The Hartford, one of the nation's largest and oldest insurance companies — A rated by A.M. Best Company.
  • What should I do if sued?
    •
    Call SterlingRisk LLC at (877) 427-5415 as soon as you are aware of a problem.

Customer Quotes

"…because I was insured with Sterling Select, I was able to resume my tour with confidence."

— Stephen Kellogg ()

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