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Music Teacher Insurance

Affordable coverage for school-based and private practice music teachers and instructors

4.8/5

Affordable Music Teacher Insurance

Secure your teaching future with Insurance Canopy’s high-quality, customizable liability insurance, perfectly tuned to your needs. With general and professional liability, our policy covers the common risks music teachers face so you can run your business with peace of mind—without missing a note!
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Music Teacher Insurance Coverage

Coverage types and limits included in liability insurance for music teachers:

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.

$3,000,000

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.

$1,000,000

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

Included

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

Optional Add-Ons

A violinist learns a new piece of music from a music teacher.

What Is Music Teacher Insurance?

Music teacher liability insurance is a medley of coverages designed to help protect public and private music instructors from costly claims, including third-party bodily injuries and property damage. This policy can also protect you if you get sued for giving bad or incorrect instructions to one of your students—and more.

Why Do Music Teachers Need Liability Insurance?

Liability insurance can keep your music teaching business afloat if you get hit with a costly claim. Plus, some schools or organizations you could work for may require you to have insurance and ask to be an additional insured to protect them from any mistakes you make.

Whether or not you’re required to carry insurance, it’s a great way to demonstrate professionalism to your clients and protect your business and finances if something goes wrong.

How Much Is Music Teacher Liability Insurance?

The starting price for liability insurance for music teachers is $21.08 per month or $299 per year, which includes general and professional liability coverage.

The cost of your premium can increase depending on which state you do business in or if you added optional coverages during checkout, such as cyber liability or equipment and instrument insurance.

What Are the Risks of Being a Music Teacher?

Because you work with other people and expensive equipment, you face risks that could lead to costly claims. Below are a few examples of the dangers music teachers face:

  • While lugging your tuba into the classroom, the bulky case bangs into the wall and creates a giant hole. The school holds you responsible for repairs.
  • One of the students who takes piano lessons from you trips over some cords on the floor at your house and injures themselves. They sue you to cover the cost of their medical bills.
  • As your student is walking out of your music studio, they accidentally knock one of your guitars off of its stand and it breaks. Now you have to purchase a new guitar to replace it.


Incidents like these are scary and can be costly. But liability insurance can provide a financial safety net so you don’t have to fret if something goes wrong.

What Types of Insurance Do Music Teachers Need?

To properly shield your business and finances from common claims, you need the following coverages:

Our private music teacher insurance shields your livelihood with the above coverages included in the base policy. But, if you need extra coverage, we make it super easy to compose the perfect policy with add-ons, like:

What Is Musical Equipment and Instrument Insurance?

Equipment and instrument insurance for music teachers is there to help cover the cost of stolen or damaged instruments, equipment, and other teaching materials.

It’s no secret that instruments aren’t cheap, so the last thing you need is to be faced with paying hundreds—or even thousands—of dollars to replace one. For just $2.17 a month, you can add equipment and gear coverage to your policy and receive up to $4,000 per coverage year.

What’s Covered in Music Teacher Insurance?

Whether working as a school employee, contractor, substitute, or private music teacher, insurance coverages like these are a must.

General Liability Coverage

General liability insurance protects you from the cost of third-party bodily injury and property damage claims.

Picture this: Your student trips over a guitar stand at your house and injures themselves. The next thing you know, they’re suing you to pay for their medical bills.

Your general liability coverage could respond to this claim and help cover some, if not all, of the cost.

Professional Liability Coverage (aka Errors and Omissions)

Protect yourself from the cost of claims that result from the advice and coaching you give as part of teaching music.

If you were teaching someone piano lessons to help them get into a music program at a university, but they aren’t accepted, they might sue you and accuse you of failing to instruct them properly.

That’s where professional liability coverage comes in. It can protect you from claims like this and others relating to your professional services.

Products-Completed Operations Coverage

One of your former students sues you because they claim the way you taught them to hold their instrument caused them to develop carpal tunnel.

Products-completed operations coverage could respond to a claim like this and shield you from paying for legal defense or settlement fees out of pocket.

Cyber Liability Coverage

Cyber attacks and data breaches are unfortunate realities that could happen to your business.

You need cyber liability coverage if you keep your clients’ payment methods, full names, date of birth, or other personal data on a computer, smartphone, point of sale device, and so on. This policy can protect you if sensitive customer information falls into the wrong hands.

Damage to Premises Rented to You

If you rent a space to teach music lessons, such as a studio or classroom, you can be held financially responsible for any damage you cause to that space while teaching there.

This coverage can respond to claims like this and help pay to replace or repair whatever was damaged.

Personal and Advertising Injury

Let’s say a private school contracts you to teach there. You have a terrible experience there and decide to post a bad review about them. This school can sue you for libel or slander.

In this scenario, personal and advertising injury insurance can cover attorney and settlement fees, if necessary.

Equipment and Materials Coverage (Inland Marine)

If your instruments and teaching equipment are damaged or stolen, they can be expensive to replace or repair. Equipment and instrument coverage (aka Inland Marine or Business Personal Property coverage) protects your investment. 

If a student knocks over and breaks your keyboard during a lesson, replacing it could cost you hundreds of dollars. Adding equipment and gear coverage to your policy can shield you from paying entirely out of pocket if this happens to you.

Additional Insureds

Additional insureds are people or organizations your policy doesn’t automatically insure but who you might add by request. For example, the private school that hires you as an independent contractor might ask you to add them to your policy to protect them from any mistakes you make while teaching there.

You can add unlimited additional insureds to your Insurance Canopy policy at no charge. Add them during checkout or any time afterward from the convenience of your user dashboard.

Insurance Can Save You Thousands

Accidents happen, just like hitting the wrong note on a song you’ve practiced a hundred times. Except when it comes to liability claims, those mistakes can cost you. Having music teacher insurance can prevent you from paying entirely out of pocket for claims.

A parent visited a music studio, slipped on a wet floor, and injured their back. $100,000

Music teacher knocked over a vase at a student’s home. $5,000

Student tripped over an amplifier power cord and broke their arm. Their parents sued the teacher. $20,000

Get covered instantly.

A student claimed their music teacher didn’t prepare them for an audition and sued. $10,000

Music teacher provided incorrect info about a music theory exam. After failing the test, the student sued. $2,000

Sources: (Insureon) (Online Business Banking Solutions | Novo) (Fit Small Business) Claim amounts are estimated based on additional internal knowledge and research. All policies have conditions, limitations, and exclusions. Please read the policy for exact verbiage. Claim scenario circumstances vary in nature and similar claims do not guarantee coverage.

Why Choose Insurance Canopy?

Insurance Canopy offers high-quality and affordable music teacher liability insurance with a hassle-free online application. 

We believe in getting you the perfect policy with the coverage you need, which is why our U.S.-based licensed insurance agents don’t work on commission—they’re not here to sell you any coverage you don’t need. We also rock an A+ rating from AM Best, which is like having perfect pitch in the insurance world.

You're In Good Company With Insurance Canopy

Over 36,000 professionals, including music teachers, trust Insurance Canopy for their liability insurance. See what our customers have to say about us!

  • quick and easy to sign up and did not break the bank!!

    Michael “Michael” Jobe Avatar Michael “Michael” Jobe
    April 8, 2024

    Received many quotes that were multiple times more expensive. Needed something fast, easy and inexpensive for a high needs client. Customer had what they needed 5 minutes after... Read More

    Robert Caudle Avatar Robert Caudle
    April 7, 2024

    Easy to apply online, it take 5 mins and get your provf of Insurance.

    Francesca Wine Avatar Francesca Wine
    April 6, 2024
  • I had shopped a few websites including my home/auto policy holder and was not satisfied with their inability to insure me. Other sites wanted ridiculous down payments and one time... Read More

    Lucia Boroczk Avatar Lucia Boroczk
    April 4, 2024

    Just the insurance I needed. I wish the website would allow me to share pages!

    Ellen Brodsky Avatar Ellen Brodsky
    April 2, 2024

    This insurance fits my needs as a yoga instructor with a small studio at a reasonable price.

    Hillary Blackton Avatar Hillary Blackton
    April 2, 2024
  • It was fast and easy.

    Vincent Cabello Avatar Vincent Cabello
    March 31, 2024

    Chat support is terrific. I have chatted multiple times and each time the support team is very prompt, customer focused and knows the answers. The policy website is also very... Read More

    Patrick McElhaney Avatar Patrick McElhaney
    March 27, 2024

    Process was easy. Relevant information accessible. Platform is very user friendly.

    Carolina Santos Avatar Carolina Santos
    March 26, 2024
  • The agent was awesome, helped me through my application completely, very professional, humble and helpful! I love Canopy’s concept!!! Thanks, Lionel

    Lionel Harrison Avatar Lionel Harrison
    March 26, 2024

    I've been using Canopy for all my businesses. Always responsive, easy to use and the cheapest around. Can't ask for more! - A 10+ note from a happy customer here!

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    March 26, 2024

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    March 25, 2024
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    March 25, 2024

    Super friendly service..

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    March 25, 2024

    I was concerned that I wouldn't find a company that could check all the boxes on our coverage wishlist. It only took one quick call and my questions were answered.... Read More

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    March 25, 2024
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    March 25, 2024

    Very easy process to get peace of mind

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    March 25, 2024

    great experience so far, always able to reach a human representative on the phone!

    New Groove Avatar New Groove
    March 25, 2024
  • Insurance Canopy gives me peace of mind for my practice.

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    March 25, 2024

    Great service, affordable insurance, easy to work with.

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    March 18, 2024

    The wait was way too long, however it was worth it. The representative that helped me was knowledgeable, patient, and reassuring.

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    March 11, 2024
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    March 11, 2024

    If you are in the entertainment business this is the best and most easiest insurance to use.

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    March 1, 2024

    Very easy set up for a policy and friendly conversation with on line and customer support

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    March 1, 2024
  • Site easy to navigate, good price, good customer service.

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    March 1, 2024

    Process went very well. Best price and able to add a secondary insured.

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    March 1, 2024

    Renewal of policy was smooth and didn't have to do a thing! Excellent customer support! Will refer family and friends. Thank you Insurance Canopy!

    Ram Seetharam Avatar Ram Seetharam
    March 1, 2024
  • Insurance Canopy has some issues when navigating the website. However, they have reasonable rates and seemingly good coverage. I’ve never had to file a claim. So I will make a... Read More

    Gabriel Sherry Avatar Gabriel Sherry
    March 1, 2024

    We have worked extensively with Faith Ortiz and each time it has been a pleasure! Faith is efficient, incredibly knowledgeable, and a joy to work with. Even in situations with... Read More

    Andrew Bawdon Avatar Andrew Bawdon
    February 1, 2024

    Faith has been working with us for a while now and consistently goes out of her way to help us find a solution. We greatly appreciate all her and her... Read More

    Jaimee Gomez Avatar Jaimee Gomez
    February 1, 2024
  • quick and easy to sign up and did not break the bank!!

    Michael “Michael” Jobe Avatar Michael “Michael” Jobe
    April 8, 2024
  • Received many quotes that were multiple times more expensive. Needed something fast, easy and inexpensive for a high needs client. Customer had what they needed 5 minutes after... Read More

    Robert Caudle Avatar Robert Caudle
    April 7, 2024
  • Easy to apply online, it take 5 mins and get your provf of Insurance.

    Francesca Wine Avatar Francesca Wine
    April 6, 2024
  • I had shopped a few websites including my home/auto policy holder and was not satisfied with their inability to insure me. Other sites wanted ridiculous down payments and one time... Read More

    Lucia Boroczk Avatar Lucia Boroczk
    April 4, 2024
  • Just the insurance I needed. I wish the website would allow me to share pages!

    Ellen Brodsky Avatar Ellen Brodsky
    April 2, 2024
  • This insurance fits my needs as a yoga instructor with a small studio at a reasonable price.

    Hillary Blackton Avatar Hillary Blackton
    April 2, 2024
  • It was fast and easy.

    Vincent Cabello Avatar Vincent Cabello
    March 31, 2024
  • Chat support is terrific. I have chatted multiple times and each time the support team is very prompt, customer focused and knows the answers. The policy website is also very... Read More

    Patrick McElhaney Avatar Patrick McElhaney
    March 27, 2024
  • Process was easy. Relevant information accessible. Platform is very user friendly.

    Carolina Santos Avatar Carolina Santos
    March 26, 2024
  • The agent was awesome, helped me through my application completely, very professional, humble and helpful! I love Canopy’s concept!!! Thanks, Lionel

    Lionel Harrison Avatar Lionel Harrison
    March 26, 2024

Have Questions About Music Teacher Insurance? We’re On It.

If you opt into equipment and instrument insurance (also called “Inland Marine”), your instruments, equipment, and teaching materials can be covered if they get stolen or damaged while you teach.

This add-on coverage is available for just $2.17 per month and offers up to $4,000 per policy year—an amazing deal considering the hundreds or thousands of dollars you spend on instruments and other gear.

Private music teachers need insurance to protect their finances and reputation. If you get hit with an expensive claim, your liability insurance policy could help pay for some, if not all, of it. Compare that with spending thousands of dollars out of pocket and it’s clear why insurance is a must-have for private music teachers.

Plus, a claim like this could make you look unprofessional if it makes you shut down your business temporarily or permanently. If you’re insured and your policy covers the claim, you look prepared and responsible to clients, which can benefit your business.

Yes, you do! The school’s policy covers them for any mistakes they’re deemed responsible for, but not for any you make. Also, their policy may only extend to you when you’re on their property.

For example, if you met up with a student off school premises for private music lessons and they injured themselves on your gear, your school’s policy wouldn’t respond to that claim. Since it didn’t happen on school property, you’d need your own liability insurance to cover the damages.

No—you don’t have to be part of an association to qualify for Insurance Canopy’s music teacher insurance. If you belong to an association, you can still get a policy with us, but we don’t require you to join any association. 
Insurance for private music teachers starts at just $21.08 per month or $299 per year. While it may seem like just another monthly expense for your business, insurance is an investment that can ultimately save you thousands of dollars in claims. The peace of mind you get from being insured is well worth the cost.

Music Instructor Insurance

Protect Your Instruments — Don’t skip a beat! Insurance Canopy’s music teacher insurance is in tune with your needs. Fill out our 100% online, 10-minute application. Get top-rated coverage starting at $21.08/month and add equipment and instrument coverage to your policy for an extra $2.17/month.

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