Musician Insurance
Get general liability insurance for musicians in 10 minutes or less!
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Why Is Our Musician Insurance a Number One Hit?
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Get 365 days of protection for less than you spend on a year’s worth of instrument maintenance.
Protect
When the show must go on, Insurance Canopy’s A+ rated coverage has your back.
Perform
Most venues and coordinators require liability insurance before booking a gig. Luckily, you can add additional insureds and download your certificate of insurance (COI) any time via the online dashboard.
What Is Music Liability Insurance?
- Weddings
- Corporate events
- Live music gigs at bars and restaurants
- Recording studio sessions
- Parties
- Fairs
- Festivals
- Farmers markets
Why Do Musicians Need Insurance?
You need musician insurance because facing a claim without it can drain your profits and financially cripple your business. Plus, music venues and coordinators usually require proof of insurance before hiring musicians to play. You may even need insurance to play with an orchestra or ensemble.
How Much Does Liability Insurance for Musicians Cost?
The starting cost for year-round liability insurance for musicians is $18.50 per month or $199 annually. Annual policies are best for musicians who play at multiple events or venues throughout the year. You can also add coverage for your gear to an annual policy for as low as $7.50 per month.
Coverage Details Limits
Included
General Liability Aggregate Limit
$2,000,000
Products – Completed Operations Aggregate Limit
$2,000,000
Personal and Advertising Injury Limit
$1,000,000
General Each Occurrence Limit
$1,000,000
Damage to Premises Rented to You Limit (Any One Premises)
$300,000
Medical Expense Limit
$5,000
Unlimited Additional Insureds
Annual – Included
Event- $5
Additional Limits (Annual Only)
Equipment and Gear Coverage
$2,000 policy year
+$7.50/month
$5,000 policy year
+$15/month
Deductible
$250
Excess Liability Coverage ($1,000,000)
+$29.17/month
Cyber Liability Coverage ($100,000)
+$8.25/month
Policy Pricing
Annual Policy – 365 Days Covered
From $18.50/month
Event Policy – 1-3 Days Covered
From $59 per event
You're In Good Company With Insurance Canopy
Here's what some of our over 14,700 customers say about their experience.
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Thank you so much
Steve Monreal
July 11, 2025I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie Calaway
July 4, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025 -
I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More
Gretje Angell
June 18, 2025What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025 -
Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025Very easy to renew policy
Elyce Nissinoff
June 18, 2025They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 18, 2025 -
Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David Fox
May 18, 2025Affordable for dance & yoga folk. Thumbs up!
Maia Claire
May 18, 2025Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!
Ishan Arvin
May 18, 2025 -
everything is excellent
Radames Martinez
May 18, 2025I'm a new customer/policy holder. Super easy online application and policy setup. Very competitive rates. Certificate of insurance generated and received (PDF) immediately once method of payment established. Great service... Read More
Matthew Terry
April 18, 2025For me, this application process was super efficient and easy to navigate on line. That goes a long way!
Holly Mulder
April 18, 2025 -
Affordable. Thank you.
Ana Young
April 18, 2025I have not had any issues over the years with Insurance Canopy, with canceling and renewing, I have found the cost of coverage in line or better then some. I have... Read More
John Corkins
March 18, 2025Canopy insurance has covered my DJ business for several years and I am totally satisfied with their services. Thank you DjVic🎧
DjVic Universal Sounds
March 18, 2025 -
I have them for 3 years this year seems price went up . I have never had to use them for a claim so really couldn’t tell you about that!
Denice Lapointe
February 18, 2025Great for Event Insurance - most affordable
Gaby Nobrega
February 18, 2025I was feeling overwhelmed with the specifications needed for my insurance coverage. I was offered friendly, quick and clear assistance. Through Canopy and Rey's help I was able to obtain... Read More
ESPIE QUINTERO
February 18, 2025 -
TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.
February 4, 2025Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed Levitt
February 3, 2025As a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More
Kristie Williams
January 30, 2025 -
This insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.
Tony Felix
January 23, 2025Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John B
January 16, 2025I’m very happy with my purchase of liability insurance for a one-off event. I was even able to edit the policy after it had been issued with the help of... Read More
jay gedeon
January 6, 2025
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Thank you so much
July 11, 2025 -
Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025 -
I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie Calaway
July 4, 2025 -
I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025 -
great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More
Gretje Angell
June 18, 2025 -
Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025 -
What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025 -
Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025 -
Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025
FAQs About Musician Insurance
What Kind of Insurance Should a Musician Have?
Musicians need general liability insurance while performing at a gig or doing routine business operations because it provides financial protection for claims like:
- Third-party bodily injury: Trip-and-fall accidents
- Property damage: Scuffs on stages or floors from your equipment
- Personal and advertising injury: Using an audience member in your ads without their permission.
Can I Insure My Musical Instruments?
Absolutely! You can add gear and equipment coverage to an annual musician insurance policy. This optional add-on extends insurance coverage to your musical instruments and other gear if they are stolen or damaged.
Add this coverage to your policy during the application process. Or, if you already have an Insurance Canopy policy, simply go to your dashboard and add gear and equipment coverage. There are two options to choose from:
- $2,000 coverage per policy year (+$7.50 per month)
- $5,000 coverage per policy year (+$15.00 per month)
You can select the amount you need to cover your instruments or equipment in case of damage or theft.
How Do Musicians Get Insurance?
You can purchase your musician insurance policy anytime, anywhere, through our easy online application. Just enter your essential info, choose your coverage options, and purchase your policy. Get coverage in less time than it takes to warm up before a gig!
What’s Covered Under a Musicians’ Insurance Policy?
Musicians insurance can cover third-party claims against you or your bandmates. For example:
- An audience member gets hurt at one of your shows and sues you, claiming there were too many people in the venue.
- While moving your keyboard into a venue, it bumps against the wall, leaving a large hole. The venue holds you responsible for repair costs.
- One of the employees at the venue trips over your amp and injures themselves. They sue you to pay their medical fees.
You can customize your coverage with add-ons that extend your protection. Options include:
- Gear and Equipment coverage
- Cyber liability insurance
- Excess liability coverage
You can also list your clients, venues, and coordinators as additional insureds if they request it.
What Is an Additional Insured and How Do I Add One?
An additional insured is a venue owner or event organizer who you add to your policy so they’re also covered by your insurance. If someone files a claim against you and the event or venue, they have coverage, too.
You can add one additional insured for $5 or an unlimited number for $10 during the checkout process or any time afterward by logging in to your dashboard.
What Is a Certificate of Insurance (COI) for Musicians?
A certificate of insurance (COI) is a document from your insurance company that verifies you have coverage. It provides proof of insurance, outlining your policy limits and listing all third parties named as additional insureds.
Many event coordinators and venues require you to provide a COI before you can sign a contract or book gigs.
When Can I Receive a Certificate of Insurance?
You can download your COI immediately after adding an additional insured to your policy. Just click “Proof of Insurance” on your online dashboard to view and download your documents.
Are Wedding Musicians Covered Under Musicians Insurance?
Yes! You’re covered under our musicians’ insurance policy if you perform at weddings. If you play more than a few weddings a year, we recommend that you purchase an annual policy for coverage to protect all of your gigs for less.
Are you a wedding DJ? Purchase DJ insurance coverage instead.
Musicians Liability Insurance
Choose musician insurance with Insurance Canopy and hit the right chords every time, everywhere.
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