I hold drum workshops at companies. Recently, two participants broke their drums, but they denied it. The company doesn’t want to pay for the damage either. Question: What insurance can I take out to protect my own instruments if third parties damage them?
I hosted a drumming workshop at a large German company. I was booked for a flat rate that included rental instruments and travel expenses. During the event, two employees more or less deliberately broke two instruments. They might still be repairable. Which insurance will cover the damage? I also have professional liability insurance. Unfortunately, there…