www.albemarleinsurance.com If you're a musician or in a band, the last thing on your mind is Insurance. Here's Ruth being interviewed by Showmehowtoplay.com and giving her Top 10 Tips to avoid the perils of NOT taking out the proper insurance. PART ONE 1. BE HONEST. 2. USE A SPECIALIST BROKER. 3. INSURANCE ONLINE-BE CAREFUL. 4. INCREASE YOUR EXCESS. 5. CHECK YOUR EXCLUSIONS.