Musicians Insurance

If you have questions about musician’s insurance, you’re in the right place to find some answers. Whether you’re a one man band or part of big band, we’ll show you exactly what type of musician insurance you need, where to get it, and how much cover you require:

Why do musicians need insurance?
What type of insurance do musicians need and what level of cover?
Why compare musicians insurance with Coverzones?

Why do musicians need insurance?

As a musician, insurance may not be one of the most glamorous aspects of your business, but it is essential. You’re working with crowds, with specialised equipment, and probably traveling more than most. It makes sense to be properly protected against mishaps. And if you have staff or helpers of any kind, you are required by law to have Employers Liability Insurance.

Get online quotes for musicians insurance now.

What type of insurance do musicians need and what level of cover?

Musicians insurance should include all the separate areas of cover needed to provide full protection:

• Professional Indemnity Insurance for musicians: This covers you in the event that a client loses money as a result of your negligence and subsequently takes action against. The amount of Professional Indemnity Insurance cover you need will depend on the size and scope of your activities.

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• Public Liability Insurance for musicians: This covers you against injury to members of the public and damage to their property. Whether you work in recording studios, small venues or massive arenas, this type of cover is recommended. A minimum amount of £1m cover is usual for small businesses – and if you perform in front of large crowds you can expect to need considerably more.

Get quotes for Public Liability Insurance for musicians now.

• Employers Liability Insurance for musicians: This covers you for damages, legal costs and expenses that you would have to pay if any of your employees were injured while working for you. The law stipulates that you must have at least £5m cover. You may need as much as £10m cover and bear in mind that helpers and volunteers should be covered as well as any paid employees.

Get quotes for Employers Liability Insurance for musicians now.

• Professional Insurance for musicians: This package of different types of cover is designed to meet your specific insurance needs as a musician. Professional Insurance for your line of work includes public and employer’s liability, as well as options to cover theft, loss or damage to your office contents, for example, or personal injury to you.

Insurance for professional musicians will soon be available here at Coverzones.

Why compare musicians insurance with Coverzones?

Coverzones provides you with a choice of quotes from a panel of insurers. Within minutes, you’ll have all the details you need to compare costs and cover. In this way, you can be sure of making the best possible choice, at the best possible price.

It couldn’t be more straightforward to choose and buy your musicians insurance through Coverzones; you can do it all through our secure server. And once your insurance is arranged, you can keep your policy details in a free online account with us. With access to your policies 24 hours a day, 365 days a year, changing, cancelling and renewing your insurance becomes easier than ever before.

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