**Guest post written by Ari Herstand, a DIY singer-songwriter from Los Angeles, CA with 500+ shows under his belt, as featured in his blog "Ari's Take".
"Years ago I got back late after a local gig and was exhausted. I carried in my guitar and cash box, but left some of my other gear in my car - including my $2,000 trumpet (no judging - I was young, stupid and TIRED). The next morning, as you would imagine, I awoke to a smashed back window and no trumpet. I called my insurance company (State F(U)arm) and explained what happened."
**Guest post written Aly Keller, an avid pianist, musicologist, and marketing analyst, as featured on Grassrootsy.com.
"Turns out, musicians often do make that decision [medical debt or a musical career]. Last year, 43% of them lacked insurance. And this is in the post-ACA (“Obamacare”) environment where health insurance has never been more accessible to employer-less freelancers. But is health insurance something you really want to go without?"
**Guest post written by Scott Aumann, originally featured on The Legit Musician blog.
"Most musicians sink a lot of money into their gear. This is how they make a living! Sometimes, it took years and years to acquire this gear. Don’t let one horrible event wipe you out. I’ve seen too many stories about how a band had to call it quits because their gear was stolen, or damaged. They couldn’t continue to make a living, so they gave up their dreams to get regular jobs to pay the bills. If this sounds like you, then you need INSURANCE."