There are days when I look over my monthly budget and just shake my head at just how much I spend on various kinds of insurance: Instrument insurance, car insurance, health insurance, life insurance, homeowners insurance. It’s a never ending list! As much as I groan and complain about having to pay those monthly premiums, I know that they exist for a good reason. Insurance coverage is important, especially insurance that covers you where you need it most. If you think this blog is starting to sound like an insurance commercial, you’re right. I watched an ad on TV just the other day, and their slogan was “Know the gaps.” Meaning if there are gaps in your coverage, you should investigate that and fix it. Being a musician, I obviously thought about my instrument: do I know the gaps?