Band Insurance
Certified-gold band liability insurance
4.7/5 on
Why Insurance Canopy for Band Insurance?
We provide A+ rated liability insurance for bands and musical groups like you — whether you need coverage this weekend, for wedding season, or all year.
Save
Our liability insurance for bands is affordable and customizable, so you get the coverage you need without missing a beat.
Protect
Insurance Canopy’s band liability insurance protects you from paying for costly claims out of the band’s hard-earned tip jar.
Perform
Our general liability policy for bands meets most event and venue requirements, so you can stay focused on your music.
What Is Band Insurance?
Band insurance is designed to protect you from the costs of liability claims and lawsuits related to your performances, advertisements, and more. It acts as a financial safety net in the event of accidental injuries or property damage involving your audience, venue, or merch.
For example, imagine an audience member trips over one of your extension cords and breaks a wrist, or you accidentally scratch a venue’s wall while setting up your amps.
Band liability insurance can also help pay defense costs if you’re accused of copyright infringement or defamation.
Why Should You Carry Band Insurance?
You can’t predict when something will go wrong, and you’re never too “small-time” to avoid liability claims. Additional reasons to make sure your band has insurance coverage:
- Venues and event organizers often require you to show proof of insurance before hiring you or allowing you to perform on their property
- Venues or club owners may require you to add them as an additional insured on your policy
- Claims against you can quickly become financially crippling without insurance
- Liability insurance demonstrates you’re a serious professional
- Annual band policies with Insurance Canopy allow you to opt-in to additional coverages, like equipment coverage, which can help pay for the repair or replacement of damaged instruments and other gear
How Much Is Band Liability Insurance?
Annual policies start at $199 per year, or $18.50 per month. Our policies cover groups up to 10 members. Premiums may vary depending on the number of members in your band, but regardless if you have three members or 10, it’s still less than $15 per month per person!
Annual policies also allow you to add optional coverages including:
- Equipment and gear coverage (also known as inland marine) from +$7.50/month
- Cyber liability coverage for +$8.25/month
- Excess liability coverage +$29.17/month
- Additional insureds (unlimited) +$10
Band event insurance policies cost $59 per month and cover up to three days. Equipment, cyber, and excess liability coverages are not available on event policies. However, you can still add unlimited additional insureds to your event policy for just $10.
Insurance Canopy’s Greatest Hits
See what some of our 14,700+ rockstars have to 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
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
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
Annual Band Policy vs. Band Event Insurance
Here’s a side-by-side summary of our Annual and Event options to help you choose which type of policy is best for you.
Annual Band Insurance
From $18.50 Per Month
- 365 Days of Coverage
- Gear and equipment coverage (optional)
- $2M General liability limit
- Easy, online application
- Immediate coverage
- Add up to 10 band members
- Monthly payment option
- Add unlimited additional insureds
Event Band Insurance
From $59 Per Event
- 3 days of coverage
- $2M general liability limit
- Easy, online application
- Immediate coverage
- Add unlimited additional insureds
Questions About Band Liability Insurance
What Kind of Insurance Does a Band Need?
All music groups need general liability insurance to cover claims related to injuries and property damage to others — like audience members and venues.
Bands should also have:
- Personal and advertising injury coverage for claims like defamation or copyright infringement
- Damage to premises rented to you coverage for accidental damages to recording studios or rehearsal spaces you may use
- Medical expenses coverage for injuries that occur during your performances, regardless of who’s at fault
What Scenarios Could Band Insurance Cover?
Here are some examples of the kinds of claims band insurance can cover:
- Someone trips over your electrical cord, breaks their wrist, and sues you to cover their medical bills
- You accidentally bump into decor at a small dive bar during a show and break it
- Another local artist accuses you of stealing their promo materials
- One of the branded guitar straps you sold at a show snaps the first time a fan tries using it, causing them to drop and crack their instrument
- A venue accuses you of slander after you talked about the owner during a set at another location
- A sudden wind storm blows a tree branch down and crushes your equipment during an outdoor performance
Does a Band Need a COI?
Most venues and event organizers will require you to show a Certificate of Insurance (COI) to prove you have current liability insurance. You also may need to provide your COI as proof that you’ve added the venue as an additional insured on your policy.
Access your COI directly from your user dashboard.
Does Band Insurance Cover Musical Equipment?
Annual band policies with Insurance Canopy allow you to add gear and equipment coverage for your instruments and other essentials. It is not available on event policies.
Equipment insurance options include:
- Up to $2,000 per policy year (+ $7.50/month)
- Up to $5,000 per policy year (+$15/month)
Are There Any Exclusions or Limitations in Band Liability Insurance Policies?
Yes. As with all insurance, some exclusions apply, including shows that run past 2:00 AM or events with more than 1,000 people. A full list of exclusions is provided during the checkout process, or you can contact us for more information.
Can I Purchase Band Insurance if I'm a Solo Musician?
Yes! You can purchase liability insurance as a solo performer. Find out about insurance for musicians and get the coverage you need today!
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 specifically covers third-party bodily injury and property damage claims, meaning damage to those other than you and your group.
Band Liability Insurance
Don’t put your financial future at risk or let mishaps keep you from taking your place in the spotlight. Get insurance for your band today.
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