Musician Insurance
Get same-day general liability insurance for musicians in 10 minutes or less!
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Why Is Our Musician Insurance a Number One Hit?
Save
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
You can add venues and event coordinators to your policy as additional insureds anytime so that you can book gigs with confidence.
What Is Music Liability Insurance?
Musicians insurance is general liability coverage for claims that occur before, during, or after your performances. For example, if a club patron trips over your equipment and injures themselves or your instruments cause damage to the venue’s floor, musician’s insurance can cover the costs.
Your policy covers you at:
- Weddings
- Corporate events
- Live music gigs at bars and restaurants
- Recording studio sessions
- Parties
- Fairs
- Festivals
- Farmers markets
In addition to insurance for solo artists, we also have band coverage. Wherever and however you perform, we make it easy to protect your music business.
Want to safeguard your gear? When you sign up for our annual policy, you can choose Gear and Equipment Coverage, aka inland marine coverage, as an optional add-on.
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.
-
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 -
Super easy to use and great service; I had a little error from my part and needed to correct it customer service was super helpful they guided me through the... Read More
Ana Zavala
January 6, 2025I needed some liability insurance for my business. The team at Insurance Canopy had great recommendations and the insurance was reasonable for the coverage. Web site and process... Read More
Susan Tedesco
January 6, 2025Great coverage, excellent price, terrific customer service. I checked out a lot of different carriers and they had the best reputation and coverage. Since most venues require insurance, it was... Read More
Steve Bryant
January 6, 2025 -
Was waiting for two other insurance companies to get back to me for over 2 1/2 weeks and losing money every day. Sitting here, frustrated I asked ChatGPT what... Read More
Chad Laibly
January 6, 2025Great and affordable insurance
Peter DAntoni
December 6, 2024Being a caricaturist, I never understood why I needed liability insurance, but it got to that point where I was missing opportunities because of it. So, I researched a bit... Read More
Paul McNeilly
November 12, 2024 -
I’m just saying that is easy to get the vendors insurance with this company
Silvia Delgado
November 6, 2024Definitely a great asset to my business, I have never had a problem getting what I need from IC. Good communication skills, always get help from the agents, attenuative on... Read More
Robert Avila
November 6, 2024Your site was extremely easy to use, I was able to get my event insured for what the event planners wanted. The price was so affordable. Even chatting... Read More
Rebecca Ruby
November 6, 2024 -
Quick easy sign-up convince is great
Vincent Davanzo
November 6, 2024Great to work with. Always available for assistance.
Two Pour Girls Bartending
November 6, 2024Best customer service I have ever had in regards to insurance.
Edward Findley
November 5, 2024 -
Super easy and convenient. Just renewed, thanks.
Wendy Berg
November 3, 2024Great to work with. Always available for assistance.
Courtney Araneo
November 3, 2024This is only the second year I have had this insurance. Haven't had to use it. But it's nice to know i have it. The price is great too
Vickie Sundgren
November 3, 2024 -
Canopy insurance has been great for my business. Definitely a five star definitely recommend it..
Fernando Ferreira
October 12, 2024Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.
Jacob Smith Jr
October 7, 2024Rey was amazing. So easy! So fast!
Herman Koch
September 30, 2024 -
Always treated well. They take care of my business insurance and I don’t have to worry about anything with insurance canopy in my corner. 10 year customer.
Mark Paquin
September 14, 2024Excellent rates and coverage! Did a lot of homework before going with Insurance Canopy, by far the best bang for the buck 🙂
Alana Wyld
September 14, 2024She is positive and friendly !
Alan Dynin
September 14, 2024 -
Had a great experience obtaining a policy quickly for a solo musical act. After a year, modified my policy to a fully staffed production easily using the chat feature of... Read More
Paul Tolle
September 6, 2024I am a professional mobile DJ. I use Insurance Canopy for a policy to cover my equipment and liability. They are easy to do business and the website makes... Read More
Don Kirby
September 6, 2024Best price I have found! Excited to be a customer
Dustin Price
September 6, 2024
-
TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.
February 4, 2025 -
Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed Levitt
February 3, 2025 -
As 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, 2025 -
Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John B
January 16, 2025 -
I’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 -
Super easy to use and great service; I had a little error from my part and needed to correct it customer service was super helpful they guided me through the... Read More
Ana Zavala
January 6, 2025 -
I needed some liability insurance for my business. The team at Insurance Canopy had great recommendations and the insurance was reasonable for the coverage. Web site and process... Read More
Susan Tedesco
January 6, 2025 -
Was waiting for two other insurance companies to get back to me for over 2 1/2 weeks and losing money every day. Sitting here, frustrated I asked ChatGPT what... Read More
Chad Laibly
January 6, 2025 -
Great coverage, excellent price, terrific customer service. I checked out a lot of different carriers and they had the best reputation and coverage. Since most venues require insurance, it was... Read More
Steve Bryant
January 6, 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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