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?
(2 votes)
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Du schon wieder und Dein Makler hat Dein Probelm immer noch nicht geordnet.
Der haftet doch, wenn er Dich nicht so versichert, wie Du es benötigst.
Und eine Vollkasko für Arbeitsmaterial wird es nicht geben. fürchte auch ich.
Immer freundlich bleiben 😊
Wie oft fragst Du noch, und immer noch ohne Ergebnisse, geht doch gar nicht. Haue mal auf den Tisch.
Gerade eben hat ein Makler geantwortet (Sonntags…): Hallo
Ich kann kein Angebot machen. Da ist auch für uns nur Ärger vorprogrammiert.
Viele Grüße Torsten
Die “Astra” wäre die einzige Gesellschaft, die etwas vergleichbares anbieten. Siehe unter https://www.astra-versicherung.de/produkte/musikinstrumentenversicherung .
Aber ob sie das Betriebsschadenrisiko im Sinne einer Leihe/Pacht/Vermietung abdeckt, weiß ich nicht. Frag dort einmal nach.
Ah ja logisch! Instrumentenversicherung! Aber stimmt, ob es dann einen Schaden von dritten abdeckt…
Du solltest deinen Versicherungsmakler einschalten. Der kann alle Bedingungen sichten und, zur Not, haftet er für seine Expertise.