President: Francine Schutzman
Vice President: Gary Morton
Secretary-Treasurer: Robin Moir

Executive Board

Lance Elbeck
Mike Mullin
David Renaud
Sean Rice

Delegates to AFM Convention

Francine Schutzman
Robin Moir

President Emeritus

Glenn Robb


Office Staff

Administrative Officers:

Dan Blackwell
Braiden Turner

Office Assistant: Marlene Morton

MPTF Coordinator: Glenn Robb

Website & eNewsHarp: Dave Poulin


Your officers and editorial staff conscientiously screen all advertising submitted to the eNewsHarp. However, we cannot assume responsibility for product quality or advertising content, nor can your officers be held accountable for misrepresentations between side persons and leader/contractors.

Local 180 publishes the eNewsHarp on-line four times a year. In an election year, we also publish an election issue for members.

President’s Message

Secretary Treasurer’s Message

Francine Schutzman


A Joint Year-End Message from your President and Secretary-Treasurer

Francine: “Work Dues (What do you do with this money, anyway?)”.

That’s what I wrote on a cheque made out to the Local in December, 1975, during my second year in Ottawa (it’s amazing what you can find when you clean out old papers during your time at home because of Covid).  The cheque was returned to me, stapled to a letter that said, “Dear Ms. Schutzman, We are returning your cheque issued in payment for CBC work dues.  Kindly make one out without the unnecessary queries inserted in the left hand corner.  If you are desirous of answers to this type of a question or all matters pertaining to your union, your attendance at regular meetings will suffice.  Fraternally yours, Ottawa/Hull District Federation of Musicians, James W. K. Lytle, Sec’y.” 

Whoa — way harsh, Jimmy! But it was not undeserved.  I did in fact start attending meetings, where I was usually the only female present.  Jimmy would address the group by saying, “Brothers!—and Sister…”.  I started learning then, and after joining the Executive Board in 1994 and becoming President in 2004, I have since learned even more what the Local does with the work dues and how important they are to our survival. 

The Local stays afloat by dint of your yearly dues and work dues.  Our income is usually divided roughly half and half in a normal year.  Of course, things are a bit different this year, as they are for the entire world.  Here are some of the things that we do with your money:   

The dues pay the salaries of our Secretary-Treasurer, President, Executive Board, bookkeeper and office staff (FYI, some of those salaries are quite modest, especially when you consider that some of us are on call literally 24/7). They pay the rent on our new office in Barrhaven (roughly one fifth the size of the old one on Metcalfe, resulting in a substantial savings in our monthly expenses).  They pay for the equipment that goes in those rooms — computers and software, phone service, desks, filling cabinets, stamp machine, credit-card machine, and chairs.  They pay for supplies — stationery, envelopes, pads, pens, date books, receipt books, file folders, etc.  They pay for bank accounts and insurance.   

In a normal year, the dues would pay for delegates (generally the President and Secretary-Treasurer) to attend various conferences. That means the yearly Canadian Conference (or CanCon) and the triennial AFM Convention.  This year the CanCon was held, as were so many conferences, via Zoom, and I wouldn’t be surprised if this was continued in the future, at least for the delegates who live the furthest away from the conference city, which varies from year to year. The dues also allow a delegate from the NAC Orchestra to attend the yearly conference of the Organization of Canadian Symphony Musicians (I usually attend, too, but on my own dime). These conferences all involve travel expenses, meals and registration costs.  The dues also pay for the occasional trip to Sudbury or Huntsville, where we have Local members needing help. 

The dues pay for a labour lawyer to act as chief negotiator for the Local when we’re crafting a new collective agreement for the National Arts Centre Orchestra.  This is a good investment, because the better we can do at the bargaining table, the better salaries there are for the musicians, which in turn means more work dues for the Local.  It pays off in another way — one that we wouldn’t have anticipated until this year.  Those NACO musicians have been the main contributors to the Local’s relief fund, which has helped many of you keep going during this most difficult year.  They are not the only contributors — some of our members who have “day jobs” have helped, some friends of the Local have made donations to the fund, and several people have celebrated milestones in their lives with a gift to aid their colleagues — but without the help of NACO, we wouldn’t have been able to assist as many of our members as we have. 

And now, over to… 

Robin: For me, it was a baptism by fire, with a shorter learning curve.

I joined the Executive Board in 2006 and began serving as Secretary-Treasurer in 2010.  As the day-to-day administrator of the Local’s affairs, I see very clearly that:   

The work dues and yearly dues allow us to hire an office and support staff, which means that the executive officers and some paid staff (such as Glenn Robb) have time to work on projects that benefit the membership such as:   

–   MPTF engagements  

–   creation of fillable contracts (which makes it easier to create contracts) 

–   organizing teachers to file contracts for teaching 

–   organizing workshops for members (Pension & Contracting) 

–   partnering with entities that create work for our members (the Central Band, Concerts in Care) 

  • creating agreements with Local engagers such as Orpheus, Chamberfest, Music and Beyond 
  • identifying those members with talents and skills that will benefit the Local now and in the future.   

The dues give us the ability to:   

–  have office hours daily from 10:00 – 4:00 PM 

–  have time to speak with members individually to answer questions on a wide-ranging number of topics which include …P2 Visas, recording, contracting, copyright and musicians’ rights (MROC), pension, insurance 

–  constantly field questions about music, the music business, publishing, song writing, recording, auditioning, etc. ,etc. 

–  hire a webmaster to create and maintain of a top-notch website for our members 

–  because the Local has mandated pension on all contracts, ensure that those contributions are sent appropriately to the MPFC on behalf of members 

–  because we are part of the AFM/CFM, benefit from their lobbying efforts on behalf of all 80,000.00 members across Canada and the US 

–  take appropriate legal action if a member needs legal expertise 

keep members informed with our quarterly newsletter.   

From both of us: We realize that you might be tempted to let your membership drop, since so few musicians are actually able to make a living through music during these times.  We understand that you might have to make some hard choices if your income has fallen.  But if you’re on the fence and if you have the financial ability to keep up your membership, please consider what those annual dues and work dues have helped to accomplish in the past and what they can do in the future, not only for you but for your fellow members — your Brothers — and Sisters (many more than one!).    

We send you our best wishes for a healthy holiday season in this strangest of all years.  We will get through this! 

Francine and Robin

Rapport de la président

Rapport de la secrétaire trésorière

Robin Moir

Un message conjoint de fin d’année de la part de votre présidente et de votre secrétaire trésorière

Francine : « Les cotisations syndicales (que faites-vous de cet argent?).

C’est ce que j’ai écrit sur un chèque libellé à l’ordre de la Section locale en décembre 1975, alors que j’étais à ma deuxième année à Ottawa (c’est étonnant ce que l’on risque de trouver en faisant le ménage de vieux documents pendant notre confinement en raison de la COVID). Le chèque m’a été retourné, broché à une lettre qui disait simplement, « chère Mme Schutzman, nous vous retournons votre chèque émis en paiement des cotisations à la SRC. Nous vous prions d’en préparer un autre sans commentaires inutiles inscrits dans le coin gauche. Si vous voulez des réponses à ce genre de question ou à toute question afférente à votre syndicat, votre présence aux réunions régulières suffira. Fraternellement, la Fédération des musiciens du district d’Ottawa-Hull, James W. K. Lytle, secrétaire. »

Oh là — c’est très désobligeant, Jimmy! Cependant, ce n’était pas injustifié. Par la suite, j’ai effectivement assisté aux réunions où j’étais généralement la seule femme dans la salle. Jimmy saluait le groupe en disant « Frères! – et sœur… » C’est à ce moment que j’ai commencé à apprendre, et après avoir fait partie du Conseil d’administration en 1994 et avoir été élue présidente en 2004, j’ai appris à mieux connaître comment la Section locale utilise les cotisations et à quel point elles sont essentielles à notre survie.

En effet, la Section locale réussit à se sortir des difficultés financières grâce à vos cotisations annuelles et syndicales. En règle générale, notre revenu est divisé en deux pendant une année régulière. Bien entendu, pour nous et pour le monde entier, les choses se déroulent un peu différemment cette année. Voici quelques exemples de ce que nous faisons avec votre argent :

Les cotisations paient les salaires de la secrétaire trésorière, de la présidente, des membres du Conseil d’administration, du comptable et du personnel de bureau (à titre d’information, ces salaires sont très modestes, surtout si l’on tient compte que certains sont en appel 24 heures sur 24, 7 jours sur 7). Les cotisations paient le loyer de notre nouveau bureau à Barrhaven (environ un cinquième de la taille de l’ancien bureau sur la rue Metcalfe, donnant lieu à une réduction importante de nos dépenses mensuelles). Elles paient pour l’équipement dans ces pièces – les ordinateurs et les logiciels, le service téléphonique, les bureaux, les classeurs, la machine à affranchir, le terminal de paiement par carte de crédit et les chaises. Elles paient pour les fournitures — le papier, les enveloppes, les blocs-notes, les stylos, les carnets de rendez-vous, les livrets de reçus, les chemises, etc. Elles paient aussi pour les comptes bancaires et l’assurance.

Dans une année régulière, les cotisations paieraient la participation des délégués (généralement la présidente et la secrétaire trésorière) aux diverses conférences, notamment la Conférence canadienne annuelle (ou CanCon) et la convention triennale de l’AFM. Cette année, la CanCon a eu lieu en mode Zoom, comme ce fut le cas de plusieurs conférences. Je ne serais pas surprise que cette pratique se poursuive à l’avenir, du moins pour les délégués les plus éloignés de la ville où a lieu la conférence, laquelle change d’année en année. Les cotisations permettent aussi à un délégué de l’Orchestre du CNA de participer à la conférence annuelle de l’Organisation des musiciens d’orchestres symphoniques du Canada (j’y participe généralement aussi, mais à mes frais). Ces conférences entraînent des dépenses liées aux déplacements, aux repas et à l’inscription. Les cotisations paient également pour les voyages occasionnels à Sudbury ou à Huntsville, où des membres de la Section locale ont parfois besoin d’aide.

Les cotisations paient l’avocat spécialisé en droit du travail, lui permettant d’agir en tant que négociateur principal au nom de la Section locale lorsque nous élaborons une nouvelle convention collective pour l’Orchestre du Centre national des arts. Cela s’avère un investissement sain, puisque mieux nous réussissons à la table des négociations, mieux sont les salaires des musiciens, ce qui en retour représente davantage de cotisations pour la Section locale. C’est aussi avantageux d’une autre façon – une façon que nous n’avions pas anticipée avant cette année. Les musiciens de l’OCNA ont été les principaux contributeurs envers le fonds de secours de la Section locale, lequel a permis à plusieurs de tenir bon en cette année fort difficile. Cependant, ils ne sont pas seuls à y avoir contribué – certains de nos membres ayant un « emploi de jour » ont aidé, certains amis de la Section locale ont fait des dons et plusieurs ont célébré les étapes marquantes de leur vie en offrant un cadeau à leurs collègues – mais sans l’aide de l’OCNA, nous n’aurions pas réussi à aider autant de nos membres.

Et maintenant, je cède la parole à…

Robin : Pour moi, ce fut le baptême du feu avec une courbe d’apprentissage plus courte.

J’ai été élue au Conseil d’administration en 2006 et j’ai commencé à occuper le poste de secrétaire trésorière en 2010. À titre d’administratrice des affaires quotidiennes de la Section locale, j’observe nettement que :

Les cotisations syndicales et les cotisations annuelles nous permettent d’embaucher le personnel de bureau et de soutien. En outre, cela donne le temps aux cadres dirigeants et à certains employés rémunérés (comme
Glenn Robb) de travailler sur des projets qui rendront service aux membres, tels que :

– les prestations du MPTF;
– la création de contrats à remplir (ce qui facilite la rédaction de contrats);
– l’organisation des enseignants dans le but de présenter des contrats d’enseignement;
– la mise sur pied d’ateliers à l’intention des membres (la caisse de retraite et les contrats);
– des partenariats avec des entreprises qui créent des emplois pour nos membres (la Musique centrale, Sons et soins);
la création d’ententes auprès des clients de la Section locale tels que Orpheus, Chamberfest, Musique et autres mondes;
le repérage de membres ayant des compétences et des talents qui seront avantageux pour la Section locale aujourd’hui et à l’avenir.

Les cotisations nous permettent :

– d’avoir des heures de bureau quotidiennes allant de 10 h à 16 h ;
– d’avoir le temps de parler avec les membres individuellement afin de répondre aux questions portant sur un vaste éventail de sujets, y compris… les visas P2, les enregistrements, les contrats, les droits d’auteur et les droits des musiciens (l’Organisation des droits des musiciens du Canada), la caisse de retraite, les assurances;
– de constamment répondre aux questions sur la musique, le secteur musical, l’édition, la composition de chansons, l’enregistrement, l’audition, et plusieurs autres;
– d’embaucher un webmestre pour créer et maintenir un site Web de qualité pour nos membres;
– de veiller, puisque la Section locale exige que tous les contrats contribuent au régime de retraite, à ce que ces contributions soient transmises de façon appropriée à la Caisse de retraite des musiciens du Canada au nom des membres;
– de tirer profit, parce que nous faisons partie de l’AFM et la FCM, des efforts de défense des droits au nom des 80 000 membres partout au Canada et aux États-Unis;
– d’intenter l’action en justice appropriée si un membre nécessite une expertise juridique;
– de tenir les membres au courant par l’entremise de notre bulletin trimestriel.

De nous deux : Nous sommes conscientes que vous serez peut-être tenté de laisser tomber votre adhésion alors que si peu de musiciens vivent de leur art en cette période inhabituelle. Nous comprenons que vous devrez peut-être faire des choix difficiles si votre revenu est diminué. Toutefois, si vous êtes indécis et que vous avez la capacité financière de maintenir votre adhésion, nous vous prions d’examiner ce que ces cotisations annuelles et syndicales ont permis de réaliser par le passé et ce qu’elles risquent de faire à l’avenir, non seulement pour vous mais pour vos collègues membres – vos frères – et vos sœurs (beaucoup plus nombreuses aujourd’hui!)

Nous vous transmettons nos meilleurs souhaits en cette saison des Fêtes célébrée dans un contexte fort étrange cette année. Nous réussirons à surmonter cette crise!

Francine et Robin

Livestream . . . a new reality

2020 has been one of the most difficult years for the music industry in my lifetime.

No live gigs; little to no recording sessions; movies and television series shut down; little to no teaching; little to no community outreach; no audiences; no venues and some might say no hope. However, early on in the pandemic, musicians turned to performance on the Internet as a way to express their hopelessness and a way to lift the spirits of those audiences deprived of music.

The Music Performance Trust Fund did the same. But what is the Music Performance Trust Fund (MPTF)?

The Fund was established in 1948 as a non-profit independent public service organization whose mission includes contributing to the public knowledge and appreciation of music, as well as making music a part of every child’s life experience. With the partnership of CFM and AFM Locals across Canada and the United States they bring live music free of charge to the public, seeking to enrich lives and encourage the appreciation of music.

This year they developed an MPTF-funded streaming program principally to help musicians and audiences during the COVID crises —a program that would pay musicians local scale wages to stream one-hour concerts throughout North America on their Facebook page. If dates conflict, it is also possible for the stream to originate from the Local’s Facebook site. Multiple sites may carry the stream when the appropriate arrangements are made.

Local 180 applied successfully to stream 25 concerts between September and December, 2020 and we have generated over 115 services for Local 180 musicians. The Local could not have contemplated such a large commitment of time and resources without the help of MPTF coordinator Glenn Robb, office administrator Dan Blackwell, and sound producers and technicians Mike Mullin and Dave Poulin. Our community sponsor, Isle of Skye Productions, rounds out the team created to make the MPTF streams on Facebook possible.


Mike Mullin


Dave Poulin


When all of this started back in early March, 2020, Robin Moir called Dave Poulin to see if he could do some livestreams from his front porch in the upcoming spring and summer – livestream concerts funded by the MPTF, the Music Performance Trust Fund. Dave reluctantly agreed to a tentative plan, but to make a long story short, he decided it was time to finish the studio in the garage and get ready for some cooler weather. Fortunately, Dave’s foresight paid off, and after a major renovation inside and out, the ANNEX at studioNINE became a reality. As it turns out, Dave never did any livestreams from the front porch, but there is a growing list of concerts that were livestreamed from the studioNINE ANNEX.

Mike Mullin had a jump on Dave when it came to handling both audio and video for a livestream – on one’s own  – with no crew as backup. It can be a little overwhelming at first. In order to get the technology working one must start at the bottom of a very steep learning curve. Then, just when you think you have figured everything out, your fate ends up in the hands of a dubious Internet connection.

Mike had already started recording live performances at Gigspace on Gladstone Avenue when the call came in for him to start managing livestreams for Local 180 and the MPTF. Equipped with lighting, sound, a Yamaha  grand piano, and a good Internet connection, Gigspace continues to host a growing list of MPTF livestream shows.

The Local is fortunate in the talent and willingness of members to step forward and lend their talents to help bring work to local musicians.

We hope to join with the MPTF in 2021 to again bring the gift of music to musicians and audiences alike.

Robin Moir


Steve Groves

 June 27, 1943 – November 9, 2020

An update on my beloved father, Steve Groves, and more details on what happened and what is to come. 


My father departed from Ottawa on Friday, flying to Toronto, where he left on Saturday to catch a flight to Puerto Escondido, Mexico. We spoke on Saturday night, and he affirmed that he was safe and well with friends. He was looking forward to meeting with more friends who planned to join him in Puerto Escondido in the coming weeks. 

In the early morning hours of November 9th, he had a myocardial infarction (heart attack), and passed away in his sleep. 

We are bringing him home to say goodbye. 

Services will be held in Ottawa, and there will be a livestream online for those who cannot attend due to covid restrictions. I also plan to hold a tribute for him at Westboro Beach on his birthday, June 27th, in 2021. 

With love, 

Raven Groves 

From FaceBook.

Yehonatan Berick

The esteemed Israeli-born violinist Yehonatan Berick, a music professor at the University of Ottawa, died after a short battle with cancer. He was 52.  PHOTO BY MARK S. RASH

Born in Holon, Israel, Berick demonstrated an early aptitude for music. According to his sister,Omna Berick-Aharony, he taught himself to play a tiny accordion at the age of three. He took after their father, who was also a talented violinist and guitar player, although the elder Berick opted to pursue civil engineering instead of music. 

By the age of six, young Berick was studying violin with the legendaryIlona Fehér, who also counted the likes of Pinchas Zukerman and Shlomo Mintz among her students. Following his army service and studies at the Tel Aviv Academy, Berick came to North America to study at the Cincinnati College-Conservatory of Music. 

At 25, he became artist-in-residence at McGill and then a violin professor at the Montreal university. He also taught at the universities of Michigan and Toronto before accepting the violin-professor position in Ottawa. 

At uOttawa, he was a champion of the university’s Summer String Academy, and a key figure in expanding the string program. He built an all-star team of contributing teachers, including NACO’sYosuke Kawasaki and Jessica Linnebach, and was an important link to the global community of world-class performers. 

From the Ottawa Citizen. See the complete obituary here.


Are you a new teacher of music theory, harmony or sightsinging

I have a number of books to give away. I’ve also got music history books, scores, a few books about the oboe, etc.  Contact me: 


Monday, December 14 @ 12:30 p.m. from your place 


If you know ahead of time that you’re attending, please notify so he can send out the past meeting’s  minutes for your review.

Supply your own lunch.


Petr Cancura – saxophone Charlie Hunter – Big6 Geoff Clapp – drums

Recorded on sight by Benjy Johnson and Earthtones Recording Studio on May 13-15, 2019 live at On The One Music, Greensboro, North Carolina. Mixed by Petr Cancura at Sound Changes Studio Mastered by Phillip Shaw Bova at Bova Lab Studio All compositions by Petr Cancura ©PeopleMusic2019, all arrangements by Cancura, Hunter, Clapp Artwork by Petr Cancura


Fresh off the heels of winning “Best Guitarist” at the 2020 International Blues Challenge in Memphis, Jones was excited for a huge year before COVID-19 hit and halted his tour schedule. “I knew I had to do something productive to stay positive. I turned isolation into inspiration!” said the JUNO-nominated Jones, whose searing axemanship has been praised in recent years by legendary blues artists Buddy Guy and Chuck Leavell (The Rolling Stones). From original music to previously unreleased songs, “this album sounds bigger and wider-than-ever” says Jones. It features a 17-piece band with a 13-piece horn section, plus additional tracking of vocals, guitars, and studio effects that led to a most appropriate title, Sonic Departures. 

If you have a new release, or just want to share some music-related news, please contact We’ll include your announcement in the next issue of eNewsHarp.

 . . . . . from our homes to yours:



This is a golden opportunity to attend a Local 180 General Meeting if you
haven’t been able to do so in the past because of distance or work.


Monday, December 14, 12:30 PM


If you know ahead of time that you’re attending,
please notify so he can send out the past meeting’s  minutes for your review.


1. Download the Zoom app if you don’t already have it.
2. Send Robin or Dan an email to confirm your attendance.
3. Wait breathlessly to receive an email with the meeting ID number and password.
4. When the meeting time arrives, simply click on the link in the email.
Special instructions: Bring your own pizza.



During this time of Covid 19, there are no suspensions or expulsions for non-payment of past quarter dues. Payment of dues is however required by September 30, 2020.


 Richard Hoenich


Michelle Ash
Peter Beaudoin
Vincent Halfhide
Marc Larocque
John Paul Mac Donald
Roberto Rivera Ramirez
Jeffrey Roy





Our new mailing address is:

Box 47 Manotick 

Manotick ON

K4M 1A2

Dear Members,

Please email or call Local 180 at (613)700-9260 or (613) 692-7034, or (613) 314-0841 for any fees that are owed to you from media events, festivals, or any engagements that you have played.

Many times engagers have complained to us that they do not have the correct address for musicians, and cheques are misdirected.

However, if you are having difficulty receiving payment after three or four emails and telephone calls, your next call should be to the Local 180 office so that we can follow up for you.

AFM ID Numbers

Dear Members,

For the purposes of filing contracts, the Musicians’ Pension Fund of Canada has done a great deal of work to protect the privacy of members in terms of SIN numbers. Canadian Locals are now permitted to use an AFM ID number in lieu of a SIN number on all contracts.

When sending funds from the Local 180 office, we will require you to know your AFM ID number.

Beginning in January this year, the office has included your AFM ID number on your membership dues receipt, which you received in the mail.

You may also go to and register there to obtain your AFM ID number and update any information. The good thing about registering on the site is that when you update your personal information, it is also received in the office so that we are current. 

Upcoming Local 180 General Meetings in 2020

Monday, March 16, 2020

Monday, June 16, 2020 – ON-Line VIA ZOOM

Tuesday, September 15, 2020 ON-Line VIA ZOOM

Monday, December 14, 2020 ON-Line VIA ZOOM


Monday to Friday 10:00 AM – 4:00 PM

Here are the closure dates from now until the end of 2020

Good Friday, April 10

Easter Monday, April 13

Victoria Day, Monday, May 18

Canada Day, Wednesday, July 1

Civic Holiday, Monday, August 3

Labour Day, Monday, September 7

Thanksgiving, Monday, October 12

Remembrance Day, Wednesday, November 11

Holiday Closing:

Closed – Wednesday December 23 at noon

Closed – Tuesday December 29

Closed – Wednesday December 30 until January 4, 2021

Attention Members!!!

Due to popular demand members may now pay membership dues using E-Mail Transfer using the email address

Once we process the transfer, we will send you an electronic receipt.

Thank you!


Do we have your current email address?

The Local 180 Office sends out important advisories to members by email and we want to make sure that you’re reachable. This year the Local will also be paying most musicians using E-Transfer and Direct Deposit, so we MUST have your correct e-mail address.

Please notify the office of any changes to your contact information. Include your phone number, home address and email address.

Call (613)700-9260 to make sure that we have your correct contact information.


A person who has been expelled from our Association is no longer a member of the Association or the AFM. Members and leaders are reminded:

Do not play engagements with non-members. Persons are generally expelled for serious violations of our Constitution and Bylaws. Expulsion is not a life sentence; the individual has the right to settle these matters with the Board and regain member status. But until that step has been taken, we urge leaders and members not to give non-member rights and privileges which belong only to members.



Dear Members,

The Local 180 Board agreed to alter the January reduction in Membership Dues from $10.00 to $15.00 dollars for 2021. Further, they agreed to allow this reduction for January, February and March, if the yearly dues are paid in full.

The $15.00 discount would make the January, February, and March dues:

Regular Yearly: $197.00 (equal to our 2018 membership dues)

Life Yearly: $95.00

On April 1, 2021 the customary membership dues amounts will apply.

Regular Yearly Dues – $212.00 –   ½ Year -$110.00
Life Yearly Dues – $110.00 –           1/2 Year -$60.00     






Your business is music to our ears.

You spend hours perfecting your talent and invest in equipment which allows you to express it.

HUB International is in-tune with your needs and has you covered.

· All-risks’ coverage on your instruments and equipment
· Worldwide coverage
· Rental Reimbursement — up to $10,000 in coverage, if you need to rent instruments or equipment in the event of a loss
· $100 deductible per occurrence on instruments and equipment
· Commercial General Liability including bodily injury, property damage, medical payments tenants legal liability and non-owned automobile
· Up to $2,500 coverage on promotion material, T-shirts, CD’s, posters, etc.
· Loss of earnings up to $5,000 due to loss or damage to venue
· Loss of earning up to $5,000 due to loss or damage to equipment
· Rented, Leased or Borrowed Equipment, $10,000 limit up to 14 consecutive days

· $2 rate per $100 sum insured for Instruments and Equipment
· Liability rates ($500 deductible):
o $1,000,000 limit – $60 per member
o $2,000,000 – $115 per member
o Higher limits available upon request

Cristina Omar| | 519-325-1785 | TF: 800-463-4700
Musicians’ Instrument
Equipment Liability
Specifically for
CFM / AFM members