Used to get this error whenever I ran Musicbee, but not seen it in a while.
I use a flash drive to store my music.
Sometimes I forget to un-mount my flash drive via 'Safely Remove' utility.
When inserting the drive, Windows would always prompt me to check the flash drive for errors, etc.
Finally let the utility check the drive and it fixed some errors.
Since then, I do not get the prompt to have the flash drive checked for errors or the 'no disk in drive' error.