Osiguranje muzičara i njihovih materijalnih interesa

Apstrakt

Muzičko preduzetništvo omogućava muzičarima nezavisnost i kontrolu nad svojim karijerama, ali nosi i rizik slabe uspešnosti ili neuspeha. Pored ostalih troškova, ono podrazumeva određene investicije u muzičke instrumente, studijsku opremu i nemuzičku pomoćnu opremu koja može biti ugrožena od različitih rizika oštećenja ili gubitka. Posebno muzičari mogu biti izloženi i odštetnim zahtevima zbog svoje građanske odgovornosti za štetu prouzrokovanu trećim licima –polaznicima časova, gostima, posetiocima i licima angažovanim na organizaciji i obezbeđenju koncerta itd. Finansijsku zaštitu svojih materijalnih interesa muzičari mogu najbolje da ostvare putem osiguranja. Zbog toga se u ovom radu razmatraju različiti aspekti osiguranja muzičara, opšteprihvaćenih pojmova i njihove sadržine, predmeta osiguranja, pokrivenih i isključenih rizika i šteta u skladu sa uslovima osiguranja i poslovnom praksom britanskog tržišta osiguranja.

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