The days are stretching longer, the flowers are blooming, the birds are out, and (hopefully) all of the snow is gone. This can only mean one thing: wedding season is fast approaching. As a musician or member of a band, anticipate your services being in high demand over the next few months. Before booking any dates, however, make sure that you’re prepared with musician and band liability insurance.

Why Do You Need Insurance?

There are two main reasons you’ll want to purchase musician insurance:

  • Venue Requirements
  • Risk Prevention

Below, we’ve laid out in greater detail why each affects your business and how musician insurance can help.

Venue Requirements

For many bands and musicians, obtaining liability insurance is required by the event venue. Event administrators, wedding planners, and venue owners do this to protect their assets from anything that may go wrong.

When you purchase a policy, you can claim your event venue as an additional insured, thus making sure they receive the same protection you do.

In an article on BizBash.com, Stacy Stern, the president of The Special Events Group, said:

“Ideally, the corporation should list the planner as additionally insured and all vendors should list her as insured. Vendors have to list me. Otherwise, I won't work with them.”

 

 

 

Keep yourself in the good graces of wedding planners by coming to the table prepared with musician and band insurance. This presents you as a professional and reliable option and can give you a leg up on the competition.

Couple gets married in outdoor wedding ceremony

Risk Prevention

Any event at which you perform carries risk; a wedding is no different. There are a number of things that could go wrong, resulting in injury or property damage. Whenever something of this nature occurs, it’s a safe bet to assume a lawsuit is not far behind.

Consider the following:

  • Let’s say Uncle Larry goes a bit too hard on the dance floor, moonwalks into a speaker, and gets knocked out cold.
  • Alternatively, let’s say you ripped the wall of a tent while setting up your equipment.
  • Or maybe (horror of horrors), the bride trips over one of your cords as she’s walking down the aisle.

Each of these scenarios could result in a suit being brought against you, with you potentially being responsible for thousands—or even tens of thousands—of dollars.

Even if you aren’t found liable in a court case, you may still end up on the hook for thousands of dollars in legal fees. Unless you were paid in the six figures for your services (all those who performed at the Beyoncê-Jay-Z wedding can leave), the potential costs involved in your events far outweigh the payoff.

This is where band liability insurance comes in. With event musician and band insurance starting at just $59, you can protect yourself from up to $1 million in damages.

Buy a Policy Today!

If you’re planning on playing even just one wedding this year, you need to be insured. Don’t run the risk of allowing your music career to be sunk due to one mishap.

With Insurance Canopy, you can get covered online in 10 minutes or less for just $59. Wedding band insurance gives you the peace of mind you need to bring the house down (not literally, although you could be covered if you do). Get covered online today here!