Insurance, the thing you get and hope to never use. But as a musician, specifically a children's musician, we are increasingly asked to get it in order to play at schools and public events. Plus, we scoot around quite a bit with gear and occasionally band mates which opens up all sorts of liability issues, and chances for gear to be swiped! Yikes! This time we chat with broker Toby Hansen about the different types of insurance best suited for our line of work, how to think about the cost/benefit analysis of plans, and how to get a good nights sleep!