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Pitch-Perfect Liability Insurance for Performers and Flute Teachers
Log into your NFA member portal to claim an exclusive membership discount.
Performer Insurance
as low as
$18.50/month
or $59 per event
Or get event coverage for only $59 per event
Why Flutists Choose Insurance Canopy
Insurance Canopy partners with the National Flute Association to offer Music Teacher Insurance and Performer Insurance at a discount to NFA Members.
Over 140,000 professionals trust Insurance Canopy to cover them without missing a beat. Your coverage is designed to follow you through the highs and the lows, making playing and teaching safely easier than ever.
- Covered wherever you perform or teach
- Instant certificate of insurance (COI)
- 24/7 online policy management
- Coverage annually or by the event
- Affordable monthly payment options
- US-based, licensed support agents ready to help
NFA Members Save With Insurance Canopy
Get a $10 discount when you buy your Performer or Music Teacher Liability Insurance and $5 off every Performer event policy — just for being an NFA member! Log into your NFA account to find your discount code and enter it at checkout.
Performer Insurance
as low as
$18.50/month
or $59 per event
Or get event coverage for only $59 per event
What Does Performer Liability Insurance Cover?
Performer insurance is precisely tuned to cover your risks while at events, rehearsing, recording, or promoting yourself as a musician.
Whether you’re a full-time, part-time, or gig flutist, you can have peace of mind whenever and wherever you play. From concerts to weddings to corporate events, liability insurance protects against your biggest financial risks, like damage to venues, contract breaches, and more.
Coverage Details
Included
The most your policy pays when your business is legally responsible for harm to others or their property. Your limit amount refreshes every policy period (every year or every event).
$2,000,000
The most your policy pays when the products you use to perform cause harm to others or their property. It doesn’t cover products you sell or distribute.
$2,000,000
The amount your policy will pay for one or more of these claims:
– False arrest, detention, or imprisonment
– Malicious prosecution
– Wrongful eviction or wrongful entry
– Slander or libel
– Violation of privacy
– Advertising mistakes
$1,000,000
The maximum amount paid per incident during the policy period.
$1,000,000
Coverage for fire damage to spaces you rent. If you occupied the premises for seven (7) days or less, coverage for the space and its contents applies no matter what caused the damage.
$300,000
Medical bill coverage for others’ injuries due to your business, no matter who is at fault.
$5,000
Optional Coverages
Payment for liability due to data breaches or cyberattacks on your business.
$100,000
What Does Music Teacher Liability Insurance Cover?
Music teacher insurance is designed to offer note-perfect coverage for private, group, online, and in-person flute lessons. It covers your risk for harm to others, like student or parent injuries, damage to someone else’s property, and more.
Teachers who sometimes perform can also cover their liability for events and recitals with Music Teacher Insurance.
Coverage Details
Included
The most your policy pays when your business is legally responsible for harm to others or their property. Your limit amount refreshes every time you renew your policy.
$2,000,000
The most your policy pays when the products you use to teach or perform cause harm to others or their property. It doesn’t cover products you sell or distribute.
$1,000,000
The amount your policy will pay for one or more of these claims:
– False arrest, detention, or imprisonment
– Malicious prosecution
– Wrongful eviction or wrongful entry
– Slander or libel
– Violation of privacy
– Advertising mistakes
Included
The maximum amount paid per incident during the policy period.
$1,000,000
Coverage for fire damage to spaces you rent. If you occupied the premises for seven (7) days or less, coverage for the space and its contents applies no matter what caused the damage.
$300,000
Medical bill coverage for others’ injuries due to your business, no matter who is at fault.
$5,000
Included
Optional Coverages
Payment for liability due to data breaches or cyberattacks on your business.
$100,000
Close the Case on Worry with Liability Insurance
You deserve to focus on the music, not what could go wrong. Liability insurance keeps your risks piccolo-sized by shielding you from claims like these:
You accidentally click on a phishing email. The next thing you know, a hacker steals credit card info from your gig and student records, and you’re served with a data breach lawsuit. $55,000
Students messing around backstage during rehearsal damage the recital venue’s curtain mechanism. You’re responsible for supervising, so you get stuck with the bill. $6,500
Your music stand scratches the hardwood floor of an event venue, and the building manager expects you to pay for repairs. $5,000
When life goes off-key, you’re covered with insurance.
There was a misunderstanding about a wedding setlist, and your client is unhappy. They sue you and your quartet for breach of contract. $12,000
A student’s parent falls on your studio stairs during a lesson drop-off. They injure themselves and sue you to pay their medical bills. $100,000
All policies have conditions, limitations, and exclusions. Please read the policy for exact verbiage. Claim circumstances vary and similar claims do not guarantee coverage.
Why Choose Insurance Canopy?
You’re making the responsible choice to get insurance — shouldn’t the process be quick and easy? We think so, too. Your online application takes less than 10 minutes, and you can update your policy anytime with a few clicks from your Insurance Canopy user dashboard.
Need some help? Our team of friendly, licensed support agents is ready to answer your questions. (Not to brag, but we also have an A+ rating from AM Best, which is like being first chair in the insurance world.)
- Quick online checkout process
- Instant Certificate of Insurance (COI)
- Customizable policies made for musicians
- 24/7 access to your policy documents
- Free and unlimited additional insureds
A Symphony of Happy Customers
Over 140,000 professionals, including musicians and music teachers, trust Insurance Canopy. Here’s what a few say about their experience.
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They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025Great experience, quick and easy to understand with what I needed for my business. Highly recommend!
FrankLynn Rae
October 28, 2025Very helpful customer service! Prompt, punctual, effective! No bots or long waits to get assistance.
Maria Ciccone
October 19, 2025 -
Canopy insurance has made affordable, band insurance needed for major venues. Thank you for your fast and easy service Stan Zizka's Del Satins
stan zizka
October 5, 2025Getting a vendor policy was quick and fairly priced compared to other quotes.
Kristine Fullerton
October 3, 2025Thank you so much
Steve Monreal
July 11, 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, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025I 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 -
Very easy to renew policy
Elyce Nissinoff
June 18, 2025Representative 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, 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 -
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, 2025Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
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 -
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, 2025Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David Fox
May 18, 2025They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 18, 2025 -
everything is excellent
Radames Martinez
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, 2025Affordable for dance & yoga folk. Thumbs up!
Maia Claire
May 18, 2025
-
They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026 -
Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026 -
Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026 -
Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026 -
Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025 -
Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025 -
So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025