There’s nothing quite like the thrill of performing on stage. Musicians love their job because they get to share their talents and perform for several people. Whether you’re performing on stage often or just playing a few local shows, musicians insurance is for every musician out there. Today we’ll explain everything you need to know about musicians insurance—from common risks that musicians face, what your policy covers, to how much it costs, and more.
Common Risks That Musicians Face
As a musician, your primary concern is performing and being in the moment for your audience—not all the risks or what could go wrong. For example, someone in the crowd could trip and fall on your microphone cord, sustaining an injury or damaging your equipment. You can be held liable for any accident that is caused by your equipment. With this same example, if your equipment gets damaged in transit to an event, Tools and Equipment Coverage can help protect your gear. Whatever the case, you will be glad that you have the right insurance policy in place.
You’ll always want to be prepared for accidents. With so much going on at parties, concerts, and events, you most likely won’t be able to avoid every possible accident. With musicians insurance, you can have a financial safety net for when those accidents occur.
Musician Insurance from Insurance Canopy
Insurance Canopy provides affordable, A+ rated insurance for musicians nationwide. Our policy is structured specifically for bands, individual musicians, and more. We provide general liability insurance with an easy, online application process, giving you instant coverage and 24/7 access to your policy documents. You can be prepared for your next event by purchasing our show policy or annual policy.
The Insurance Canopy Performers Insurance policy offers you:
- General Aggregate ($2,000,000)
- Products Completed Operations Aggregate ($2,000,000)
- Personal and Advertising Injury ($1,000,000)
- Damage to Premises Rented to You ($300,000)
To learn more about what your policy includes, check out our website for a more comprehensive list of our Performers Insurance coverages.
How Much Will Musicians Insurance Cost Me?
Musicians Insurance costs only $59 for a show that lasts 1–3 days, and $199 for annual coverage. If you are planning on performing at multiple locations or gigs throughout the year, you can pay for musicians insurance in one yearly payment, and select EZ-Renew so that your policy automatically renews each year.
If you’d like to add additional coverage to your policy, like cyber liability insurance, this option will be available at checkout. Excess liability is an additional policy that gives you an extra layer of protection above your general liability limit. If needed, this policy will help you meet your contractual liability requirements with a venue or vendor. Excess liability is available for an extra $50. You can find all of this information and more on the Insurance Canopy website. The total cost of your policy will be based on questions that you will answer on the online application.
What’s Included in the Application?
When filling out an application online, you will begin with the date you would like your policy to start, a few questions about your business operations, and your personal information. You’ll have to provide any history of claims filed in the past, and if you would like to add additional insureds.
We’ve made it easy for you to purchase musicians insurance online in 10 minutes or less. If you have any additional questions, you can speak with a licensed agent at 844-250-6993.
Will This Policy Protect My Instruments?
Yes! With our tools and equipment coverage, you will be able to protect your musical instruments for a low additional premium. Depending on which policy you select, this will cost you only $3–$5. Tools and equipment coverage will come in handy if any of your equipment is damaged while in transit to an event, or if it is stolen or damaged elsewhere. Make sure when you are filling out your application that you specify that you would like this coverage included in your policy.
What Are Additional Insureds and Do I Need Them?
Additional insureds receive protection from a potential claim that might arise because of your music business-related actions. Many times a venue, club, or a client may require that you add them to your policy as an additional insured so they can receive coverage from your policy. Having a policy that includes coverage for additional insureds allows you to perform in a wide variety of locations. Our policy even covers you in all 50 states.
When filling out your online application, you can add additional insureds for $15 each, or an unlimited amount for $30. If you need to add additional insureds after you have filled out your application, you may do so—you can add more at any time by accessing your policy online.
If you have additional questions about musicians insurance, feel free to contact our licensed insurance agents. We’re happy to help you get the coverage you need so you can do what you love with confidence. Purchase a musicians insurance policy through Insurance Canopy today to have a financial safety net in place.