Band Liability Insurance
Short-Term Event and Annual Insurance for Bands
Annual and Event Policies available
Why Insurance Canopy for Band Insurance?
We provide affordable “A+ Rated” general liability insurance for bands and performing groups with an easy online application process that takes just a few minutes to complete. Our policy can be purchased at any point before a show or event. Whether you’re a wedding band looking for liability insurance or a local group providing a fun Friday night, Insurance Canopy is your go-to source for insurance.
Save
Need band insurance? Buy our affordable general liability insurance without missing a beat.
Protect
Insurance Canopy provides bands with public liability insurance from an “A+ Rated” carrier. As a band, liability insurance gives you the protection you need to keep your show on the road.
Perform
Most event administrators and venue owners require a general liability policy for bands to perform. Buy online in minutes so you can stay focused on your performance.
What Is Band Insurance?
Band insurance is liability insurance coverage designed to protect your band from the costs associated with claims. Claims can arise from your performance or operations during an event. For example, if a patron injures themselves by tripping over your equipment or you damage a venue, band event insurance could help cover the costs of these claims. These claims can get costly real fast and the last thing you want to worry about is paying defense costs because someone got hurt while you’re performing.
Band liability insurance provides coverage for your general and public liability needs.
Why Should You Carry Band Insurance?
When you’re an entertainer you understand the need for props, good lighting, and a rested voice. These things can bring your booked gig together perfectly. Protect your performances with band insurance and gain peace of mind as you rock out and put on a great show.
In addition, band insurance can provide a few perks for your band.
- Having liability insurance pegs you as a serious professional.
- Clients or venue owners may require you to show proof of insurance before hiring you.
- Liability insurance gives you a layer of defense against claims such as bodily injury or property damage.
- Club or venue owners may require you to add them as an additional insured.
- Claims against you can be financially crippling. With band insurance, you can enjoy financial peace of mind as you perform.
How Much Is Band Insurance?
A basic 1-3 day General Liability insurance policy starts at $59 and an Annual policy starts at $199 per year. Monthly payments are available after a 25% down payment. This price can vary depending on how many members are in your band. Our policies cover up to 10 members in a band. To add band members to the policy, simply list your band member’s names on your application and they will be insured under the policy.
You're In Good Company With Insurance Canopy
Here's what some of our over 14,700 customers have to say about their experience.
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It was a very easy experience.
Pamela Burton
February 13, 2023So far, so good.
Jeff Nelson
December 6, 2022Quick and easy insurance for my mobile DJ business.
Burton Nuse
October 19, 2022 -
I got the coverage I needed. The coverage wasn’t extravagant in price and I was able to add an additional insured. Thanks for the great service.
ShoMoDjs DJ and Audio Visual Services
January 6, 2023I'm very happy to have found you guys for my business. The website is easy to navigate. The support service is excellent. Affordable prices for balloon artists and party entertainment... Read More
Blanca Mendoza
May 26, 2023Quick and easy service! A++
H Peaks
May 29, 2023 -
Great service
lamonte hatch
August 26, 2022My personal liability insurance for teaching fitness classes was so easy to set up! Plus, I needed to make a correction and their customer service was very prompt. Highly recommend... Read More
Juju Rafii
December 6, 2022I am so pleased to have found "Insurance Canopy" to handle my business insurance. Karen M. was extremely knowledgeable, courteous and timely in getting me the proper insurances. ... Read More
Ed B.
May 29, 2023 -
It has been great working with Insurance Canopy and especially Faith Ortiz. A+++
ND3423
May 26, 2023Simple and easy on line process and I saved money compared to a large nationally known insurer
Bill Ladwig
January 6, 2023Web site was very clear and easy to use
Ken Reilly
January 6, 2023 -
Easy to sign up. Got my insurance emailed to me within minutes. Thank you!
Jason Lavea
June 12, 2023Very easy and efficient. It was just what I needed
Deborah West
February 27, 2023Exactly what I needed
Nichole Jackson
December 6, 2022 -
I had the best experience because I spoke with an agent Stephanie Davis that was truly knowledgeable and very patient with me to walk me through the entire process.... I... Read More
Cabbage
August 26, 2022Great site to work with.
Patti Lee
June 5, 2023It was easy to fill the forms out online and all the information
Melissa Prado
August 26, 2022 -
Amazing service. Very fast, straightforward and helpful. Thank you for providing me with the necessary insurance coverage for my company and equipment. ???
Mike Cruz
October 12, 2022It was a easy sign up experience .
Laroi Newman
July 26, 2022This was a very easy process of purchasing DJ insurance, I mostly like the affordable reasonable rates.
Jeffrey “Jay jay” C
June 19, 2023 -
So far this company has been great. Answered my questions promptly and got a quote promptly.
Natalie Thompson
October 12, 2022Super easy and straightforward.
Emily Mallar
October 12, 2022They took care of business! Easy process and cheap price to pay for peace of mind and being able to say you are a pro and fully insured.
Jimmy Fish
February 13, 2023 -
Awesome fast and easy process ? in minutes!!
PAUL Velez
July 26, 2022Quick easy to understand and reasonable. Detailed instructions and easy to ise. Canopy did it all for my team
Kappa Xi
September 26, 2022The process to apply for insurance was very easy and I appreciated how smooth it went. However, I didn’t like auto renew without my permission. I’m 69 and... Read More
Regina Nowak
May 26, 2023 -
Quick, easy and just what we needed to work an event that required a bit of insurance. Will most likely seek regular monthly insurance knowing it's this easy and... Read More
Shannon Smith
May 26, 2023Very helpful agents! Will definitely recommend to all my industry friends!
Entertainment Labs
May 26, 2023I have been djing for over a decade, but just started my dj business this year. Getting insurance was something I was dreading, but Ins Canopy made the process so... Read More
Mike V (Dj Mike Cartel)
September 26, 2022
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Sarah was outstanding!!! Wonderful customer service with a smile and a laugh!! Doesn’t get any better than that!
Darci Menard
February 6, 2023 -
Simple and easy on line process and I saved money compared to a large nationally known insurer
Bill Ladwig
January 6, 2023 -
Easy to set up And good price! I did shop around and found this company took me 20 minutes to get everything done ...got a custome made Liquor Liability insurance... Read More
Carlos Aguirre
June 26, 2022 -
Excellent online experience, clean, clear instructions. At the right price too.
Malcom Massey
September 26, 2022 -
I’m so happy with your company!!!
Jenalyn Smith
October 19, 2022 -
The lady patiently help me out through the proces. I think her name is Stephanie. She stayed on the phone until I was done. My whole hearted thanks to... Read More
Robert Lesaca
July 26, 2022 -
Incredibly user-friendly set up. Super impressed with the ease of purchasing my policy. Great!
Tim Cunningham
June 26, 2022 -
Easy to sign up. Got my insurance emailed to me within minutes. Thank you!
Jason Lavea
June 12, 2023 -
Super easy and straightforward.
Emily Mallar
October 12, 2022 -
Web site was very clear and easy to use
Ken Reilly
January 6, 2023
Coverage Details
General Liability Limits
The most your policy will pay for bodily injury and property damage claims occurring in the policies term that you become legally obligated to pay due to your business services.
$2,000,000
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover your products that are sold or distributed.
$2,000,000
The amount that your policy will pay for claims arising out of one or more of the following offenses:
- False Arrest, detention or imprisonment
- Malicious prosecution
- Wrongful Eviction or Wrongful Entry
- Oral or written publications that slander or libels a person or organization
- Oral or written publication or material that violates a person’s right of privacy
- The use of another’s advertising idea in your advertisement
$1,000,000
The maximum amount paid per incident during the term of the policy.
$1,000,000
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$300,000
Additional limits
Purchase a entertainers event policy and get short-term coverage.
$59
Entertainers annual policy that will remain in effect the whole year.
from $199
Still doing your research?
Have a question for us?
Annual Band Insurance vs. Event Policy?
With both an annual and event policy available, it’s important you select the right plan for your band. Let’s break down the differences to help you choose the best coverage option.
Annual Band Insurance
From $199 Per Year
- 365 Days of Coverage
- Tools and Equipment Insurance (Inland Marine)
- $2M General Liability
- Easy, Online Application
- Add Up to 10 Band Members
- Monthly Payment Option
Event Band Insurance
From $59
- 1-3 Days of Coverage
- $2M General Liability
- Easy, Online Application
- Instant Certificate of Insurance
- Add Additional Insureds
Easily name the venue or location you are performing at by adding an Additional Insured onto your Event or Annual band insurance policy. You can also add excess liability to meet any insurance requirements outlined in your contract.
Questions About Band Liability Insurance
Do I Need Band Insurance?
Yes. You may say, “I’m just singing, what’s the worst that could happen?” Well, a lot can happen actually. A guest trips over an extension cord and sprains their ankle. They sue you and you’re left with the medical bills. Or, the venue that booked you requires bands to have insurance in order to perform. Without insurance, you wouldn’t be able to play.
Band insurance is an important component of your business and is designed to protect you should you be sued as a result of your business operations. You could be held liable for claims that include injuries, illnesses, or damages arising from your entertainment services.
What Does Band Insurance Cover?
Band liability insurance protects your band from the financial consequences of claims. Insurance covers third-party bodily injury and property damage claims. It can cover defense costs, medical expenses, or damage to equipment.
We recommend that the higher the number of members in the band, the higher the annual revenue, the amount of gear, and the type of venues you perform at, the higher the coverage limits you should protect your business with.
Does Band Insurance Cover Musical Equipment?
We understand that your musical equipment is an essential part of your band, and that is why you can include Tools and Equipment coverage in your policy. Tools and Equipment coverage can help repair or replace damaged or stolen musical instruments and equipment.
In order to make your policy personalized for your band, we offer different limits of coverage. Equipment Insurance coverage options include
- Up to $2,000 policy year (+ $6.00 per month)
- Up to $5,000 policy year (+$12.50 / month)
- Up to $10,000 policy year (+$25.00 / month)
These different coverage amounts are the amounts that your equipment is protected up to.
Are There Any Exclusions Or Limitations In Band Liability Insurance Policies?
Yes. There are some exclusions to your band insurance policy. These exclusions include any show that runs past 2:00 AM, events that have more than 1,000 attendees, fireworks at your show, and more. Listed below are a few more exclusions but if you would like to view the full list of exclusions you can do so while filling out your insurance application or by contacting Insurance Canopy.
Some additional exclusions of band liability insurance include:
- Acrobatic or aerialist performer
- Activist rallies, marches, or literature distribution
- Animals
- Security
- Boat shows on the water
- Bonfires
- Cannabis-related events
- Mosh pits
- Fraternal Events/Venues
- Sorority Events/Venues
Can I Add Additional Insured Parties to My Band Liability Insurance Policy?
Yes. Adding additional insureds is easy and can be done through your user dashboard or when you fill out your insurance application.
An additional insured is any landlord, venue owner, or event organizer who requires you to extend your general liability insurance protection to them.
How Do I File A Claim Under My Band Insurance Policy?
We understand that claims are never fun and are the last thing you want to be doing. So that is why we made filing a claim easier than belting out your favorite song.
File a claim in 5 easy steps.
- Sign in to your user dashboard
- Click “File A Claim”
- Fill out all of the necessary claims information.
- Wait a short intermission to be contacted by a claims adjuster.
- Receive payment for the claim, either to you or to a third party who was involved in the claim.
Can I Purchase Band Insurance If I'm A Solo Musician?
Yes. You don’t have to be in a band in order to protect yourself from the financial consequences of claims. If you are a solo musician you can protect yourself with general liability, products-completed operations, personal and advertising injury, and damage to premises rented to you.
Does Liability Insurance For Bands Cover Injuries To Band Members?
No, liability insurance does not cover injury to band members, assistants, or staff. Liability insurance covers third-party bodily injury and property damage claims. Instead, a band member’s injury would be covered by a workers’ compensation policy and not General Liability.
Band Liability Insurance
Event Policy: Starting at $59 – Choosing the right bands insurance is critical. You can’t afford mishaps that could put you out of business or put your financial future at risk.
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