Managing the Impact of Covid-19 
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Your Instrument Insurance
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We know it is not business as usual at the moment, the Corona virus has affected the whole of our society and “Staying safe” has become the mantra we live by until we can all return to normal. Who would have thought at the beginning of March that life would have changed so much with entire industries shut down by the need to socially distance.
 
Musicians are one of the hardest impacted professions of them all as the art of performance is to play at gathering both large and small, inside and outside.  Whist we cannot fix all the problems this is causing we understand the financial implications and have launched a cost-effective option for insuring your instruments just in your home over this period and when we are free to meet again in groups (hopefully in July) a simple phone call can adjust your policy back to UK & Ireland or further afield as needed and we will waive the policy fee on these modifications until October 2020, so you just pay the pro-rata additional premium.  Please feel free to contact us to discuss your options. ​
 
However we also appreciate that some of you may need even more help than we can provide, therefore we have identified the following organisations/places who may be able to help you further.  
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Government Support

Please find below links to the schemes currently being offered on the GOV.UK website.

• If you are self-employed or do not qualify for Statutory Sick Pay: Universal Credit
• If you have a small or medium-sized business: Business Interruption Loan Scheme
• If you are worried about being able to afford your up-coming tax bill: Time to Pay
• If you are ill or self-isolating due to COVID-19: New Style Employment and Support Allowance
• If you are self-employed or in a partnership: Self-Employment Income Support

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Financial Support for Musicians

Please find below some links to schemes which may be able to provide support for musicians.

• If you are a member of the Musicians Union: MU Coronavirus Hardship Fund
• If you are a member of the UKHA: UK Harp Association (Members only page)
• If you have a career in music but have lost income due to COVID-19: PRS Foundation Sustaining Creativity Fund
• If you are a freelance/self-employed creative practitioner in Wales: Arts Council of Wales Urgent Response Funds
• If you are a professional in the entertainment industry: The Royal Theatrical Fund
• If your income as a musician has been impacted: Help Musicians
• If you are a freelance creative professional in Scotland and carry out not-for-profit work: Creative Scotland
• If you are a freelance creative professional in Scotland and require support in adapting your business due to the current situation: Creative Scotland
• If you are a contracter due to work with new and developing artists currently signed to AIM member labels: Immediate Access Crisis Fund
• If you work professionally in the entertainment industry and require support: Royal Variety Charity
• If you are an organist in need of support: Incorporated Association of Organists Benevolent Fund​​   

Please stay safe and well in these uncertain times.