Are you insured? Protect your bellydance livelihood (and support the Ken Stein burglary fundraiser)

Belly dancers, from hobbyists to professionals, invest an incredible amount of time and money pursuing the art they love. From buying CDs to makeup to costumes and props, belly dance is an incredible investment, often involved one-of-a-kind materials that cannot be easily replaced. We’ve all heard the horror stories on Bhuz.com of dancers having their cars broken into and their multi-hundred dollar custom Hanan costume ending up for sale at the Buffalo Exchange thrift store for $35. Like dancers, the musicians, photographers and other professionals who are part of are community invest tons into their art, and can be equally devastated by a theft or loss, such as what recently occurred to photographer Ken Stein, a public school teacher and friend of the NYC belly dance community. Ken’s photo equipment was recently stolen; the dance community has now banded together to help raise money to replace his equipment, but not every dancer or photographer may have this available to them.

What’s a dancer to do? While it is a yearly investment, I absolutely urge you to BUY INSURANCE! 

(UPDATED, thanks to the sage advice of some knowledgeable dancers)

Some renter’s, home owner’s or property insurance policies cover items while they are in your home, or while they are outside of your home (ie, in your car at a gig, backstage, etc), but this is more likely if you’re a hobbyist.  Call your insurer and ask how to cover your dance related equipment. To get an idea of how much coverage you should request, take a good look at all of your dance gear and add up how much you’ve spent. While you’re at it, gather those receipts and photograph your costumes, props, stereo equipment, etc in case you ever need to provide evidence of what you own to file a claim (or if you need to post pics on Bhuz to have it tracked down if stolen!!) . When it comes down to it, a $125 yearly policy is well worth it to protect the thousands of dollars of gear it takes to make you the dancer or other professional that you are. Every insurance company and policy is different, so make sure you know the specifics of your plan, deductible and claim process.

Lauren of St. Louis notes if you’re running a business based on dance, you’ll need a more specific policy or rider. Home owner’s or renter’s policies generally do not cover equipment meant for a business, which commenter Pen, a photographer, also noted.

While I hope no one ever experiences a theft, fire or similar tragedy, unexpected events can and do happen. Be prepared!

Advertisements

2 thoughts on “Are you insured? Protect your bellydance livelihood (and support the Ken Stein burglary fundraiser)

  1. Actually, renter’s insurance does not cover equipment you use to earn a living. I found this out after reviewing my insurance when one of the buildings in our apartment complex caught on fire. They told me that because I use my photography equipment for work, it is not covered under my renter’s policy. So, I now I have an ‘inland marine’ policy just for my photo equipment. It’s only an extra $5-10 a month but it’s well worth it knowing that my equipment is insured under any circumstances. My company asked me to provide an inventory of the items, their value, and serial numbers for the policy. If you trade out costumes/equipment a lot, make sure you keep your list up to date with your agent, too.

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out / Change )

Twitter picture

You are commenting using your Twitter account. Log Out / Change )

Facebook photo

You are commenting using your Facebook account. Log Out / Change )

Google+ photo

You are commenting using your Google+ account. Log Out / Change )

Connecting to %s