So how does it work?
Most
Symphony Orchestras have an insurance policy aiming to cover theft,
damage, loss of value etc. In some cases, the Symphony Orchestra owns
some instruments. In most cases instruments are owned by each
individual musician.
I work in
close contact with the internationally renowned insurance company H.W.
Wood International where the insurance is placed with Lloyd’s of London.
H. W. Wood International has offices in London, New York; Australia,
Canada, Greece, Hong Kong, Netherlands, and Spain. Website
www.hwinternational.com