A musician's work schedule can be hectic, especially over the weekend. Whether you're part of a wedding band or a touring musician, you'll probably find you have to do a lot of driving and plenty of lugging your instrument and sound equipment in and out of venues. Keep your music business safe as you travel from gig to gig, with a tailored insurance policy. The right cover will ensure that whatever happens, you'll be back hitting all the right notes in no time.
What is liability insurance for musicians?
Liability insurance for musicians is a collection of covers designed to protect musicians who earn money by performing or teaching in some instances.
This type of insurance aims to financially protect the musician from the most common losses and claims associated with their line of work, including damage, loss, or theft of their instruments and equipment. Claims made against them by venues and members of the public for personal injury or property damage are also covered
Who needs musician insurance?
Musician insurance applies to a wide range of musicians, and it doesn't matter whether you perform classical music to a concert hall full of fans or play Indie hits on your guitar on the local pub and club scene each weekend - the associated risks are similar.
Whether you're booked for a couple of gigs a month or have a busy calendar of performances, and whether you play at private parties and weddings, corporate events, entertainment venues, or out on the street as a busker, insurance is the cushion you need to keep your music business and the tools of your trade safe.
If you conduct music lessons in your home or as a visiting teacher, this type of insurance can also be tailored to protect you.
Although you have no legal obligation to hold insurance as a self-employed musician who doesn't hire any staff, unless you want to shoulder the cost of claims or equipment replacement personally, this type of insurance is ideal for you.