Artist Protection Platform
सुर की रक्षा — Protection for the Note
One IRDA-approved umbrella that covers the Indian classical and cinema artist everywhere — instrument protection on tour, healthcare at home.
Why This Idea
A Hindustani classical musician is not a hobbyist. She is a professional who has trained for 20 years under a guru, carries a ₹40-lakh instrument in a case she built herself, flies 80,000 miles a year across 15 countries — and has no employment contract, no employer health plan, no corporate travel desk, and no safety net.
She is, by every modern definition, a premium overseas-travelling gig worker.
Except no one has built infrastructure for her. Not the insurers. Not the platforms. Not the government.
"If not now, the world will fall silent without the note."
A ₹40L veena rides in a cargo hold insured at USD 20/kg. One turbulence event, one mishandled case — a lifetime of craft, gone.
No health insurer covers vocal-cord nodules, tabla player's RSI, or a bansuri artist's breath-control injury. Zero coverage for occupational hazards.
62,000 overseas trips per year. Generic travel insurance excludes 'professional equipment.' Covered for a lost suitcase but not a lost sitar.
Every flight, every season — the artist carries the risk alone. The mental load is constant, invisible, and completely unnecessary.
Products
Three tiers. Every artist covered at their stage of career.
TIER 1
The touring maestro — covered everywhere.
TIER 2
The rising artist — building a touring career.
TIER 3
The next generation — protected from day one.
How It Works
Global, Mid-Career, or Student — pick the plan that matches your career stage and touring frequency.
Wind, Strings, or Percussion — tell us what you carry. We price by family, not by guesswork.
Single payment covers touring insurance + domestic health. IRDA-approved. Visa letter auto-generated.
Anything goes wrong — our NY/LA/London hubs dispatch an inspector, luthier, or loaner within 6 hours.
About Us
Nimbus9 is a specialty insurance company focused on the Indian classical music ecosystem. We are insurance operators, music insiders, and global servicing specialists — building the world's first artist protection platform.
SwaRaksha is our flagship product: a single IRDA-approved umbrella that covers instrument protection on tour and artist healthcare at home. Hindustani. Carnatic. Cinema. Every tradition. Every stage of career.
We believe Indian classical artists are premium professionals who deserve infrastructure built specifically for them — not afterthought riders on generic policies designed for someone else's life.
10 yrs insurance product. ICICI Lombard, Acko. Two IRDA-sandbox products shipped.
Ex-BookMyShow Live. 400+ international concerts. Deep sabha relationships.
Former AIG global claims lead. Built 12-hour TAT for HNI travel.
Luthiers, loss adjusters, ENT specialists across NY, LA, and London.
सुर की रक्षा — swaraksha.art
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