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Members of OCSM Orchestras:

The "OCSM List" is a lively email forum debating all issues pertaining to professional orchestral life in Canada. It's exculsively open to all members of OCSM Orchestras, ICSOM/ROPA, and AFM officers. Please contact us to subscribe.


OCSM has arranged a beneficial insurance package for musical instruments through Western Financial Group Insurance Solutions (formerly HED Insurance). The OCSM Musical Instrument Insurance Program renewal is December 1 of each year.  This year’s renewal is complete with very few changes other than some increased benefit limits under the Accident Benefits section. Rates and Premiums remain unchanged from last year. ocsm members continue to receive a reduced premium compared to other classes.
Main Highlights of the program are:
All Risk cover: $500 deductible Option for $1,000 Special Basis of Loss Settlement: Subject to a valid appraisal less than 3 years old.
1. Loss in value due to affected playing qualities of your instrument following repairs of damage after an
insured loss. The policy pays the difference between the appraised value of your repaired instrument and the
appraised value prior to damage.
2. Difference in value if your damaged instrument is replaced and the replaced instrument is appraised less
than the damaged instrument was appraised prior to loss.
 Extensions for:
• Rental of Replacement Instrument: $7,500
• Borrowed instruments: $20,000 (notify insurer within
• 48 hours)
• Newly Acquired Instrument: $50,000 for 30 days

• Commercial General Liability: $1,000,000 per occurrence $5,000,000 aggregate
• Tenants Legal Liability: $100,000
• Deductible: $500

Accident Benefits:
Principal Sum $25,000 (Option for $50,000)

Western Financial Group Insurance Solutions 
201-600 Empress Street, Winnipeg, Manitoba, R3G 0R5

For more information contact Ashley Wrixon, extension 7664 at either 204-943-0331 or 1-800-665-8990 ext.7664. ashley.wrixon[at]