Music Teacher Insurance
Affordable coverage for school-based and private practice music teachers and instructors
- For Public and Private Music Teachers
- Manage Your Policy Online 24/7
- Instant Certificate of Insurance (COI)
- No Association Membership Required
- Covered Wherever You Teach
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Affordable Music Teacher Insurance
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
Included
Optional Add-Ons
What Is Music Teacher Insurance?
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:
- General Liability
- Professional Liability (aka Errors and Omissions)
- Products-Completed Operations
- Damage to Premises Rented to You
- Personal and Advertising Injury
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:
- Cyber Liability (Data Breach Coverage)
- Inland Marine (Equipment and Instrument)
- Additional Insureds
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?
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
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
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.
- Quick online checkout process
- Instant Certificate of Insurance (COI)
- Customizable policies to suit your unique needs
- 24/7 access to your policy documents
- Free and unlimited additional insureds
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!
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Affordable plan and very easy to access when I need it
Angela Lobianco
July 13, 2024I have been associated with this company for 3 years. They would have deserved no more than 1-2 stars at the time. They have progressively leveled up their customer service... Read More
Angela Fischetti
July 12, 2024Great company with a courteous staff. Website is smooth and navigable with many options for all different kinds of fitness professionals. Best insurance options as well
Rich Bonifazio
July 12, 2024 -
Always easy to use! Thank you!
CahillandDelene
July 12, 2024I think this is the third year in a row that I continue to carry my independent contractor insurance through Insurance Canopy. They make it easy for me, and alert... Read More
susanf
July 5, 2024Nothing but positive things to say. Great company, have used them for years.
Brandon Kennedy
July 5, 2024 -
Always done very well for us. Highly recommended.
Kenny Casanova
July 5, 2024Thank you so much for the wonderful service. It is alway so easy to renew my policy each year!
Jamilyn Boze
July 5, 2024quick and easy to sign up and did not break the bank!!
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
April 7, 2024Easy to apply online, it take 5 mins and get your provf of Insurance.
Francesca Wine
April 6, 2024I 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
April 4, 2024 -
Just the insurance I needed. I wish the website would allow me to share pages!
Ellen Brodsky
April 2, 2024This insurance fits my needs as a yoga instructor with a small studio at a reasonable price.
Hillary Blackton
April 2, 2024It was fast and easy.
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
March 27, 2024Process was easy. Relevant information accessible. Platform is very user friendly.
Carolina Santos
March 26, 2024The agent was awesome, helped me through my application completely, very professional, humble and helpful! I love Canopy’s concept!!! Thanks, Lionel
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!
Aaron Copenhaguen
March 26, 2024Getting insurance is the best thing a fitness professional can do to protect themselves. I feel better knowing Canopy has got my back. Simple and easy to sign up.
Herman Hildo
March 25, 2024I Am tremendously grateful for the help I received in getting the right understanding of what policy was best to fit my needs! Thank U Canopy and Staff
Darron Hines
March 25, 2024 -
Super friendly service..
Kristina Strong
March 25, 2024I 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
Greg Hoover
March 25, 2024Reasonable rates for small business owners. It was tough finding a policy that met my needs, but was fortunate to find Insurance Canopy. Highly recommended.
Kate Whelan
March 25, 2024 -
Very easy process to get peace of mind
Kristen Talusan
March 25, 2024great experience so far, always able to reach a human representative on the phone!
New Groove
March 25, 2024Insurance Canopy gives me peace of mind for my practice.
Adriana Chacon
March 25, 2024 -
Great service, affordable insurance, easy to work with.
Roland Cache
March 18, 2024The wait was way too long, however it was worth it. The representative that helped me was knowledgeable, patient, and reassuring.
susan fletcher
March 11, 2024Fast procedure with clear price options. Did everything in less than 5 minutes
Ron Geraci
March 11, 2024
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Affordable plan and very easy to access when I need it
July 13, 2024 -
I have been associated with this company for 3 years. They would have deserved no more than 1-2 stars at the time. They have progressively leveled up their customer service... Read More
July 12, 2024 -
Great company with a courteous staff. Website is smooth and navigable with many options for all different kinds of fitness professionals. Best insurance options as well
July 12, 2024 -
Always easy to use! Thank you!
July 12, 2024 -
I think this is the third year in a row that I continue to carry my independent contractor insurance through Insurance Canopy. They make it easy for me, and alert... Read More
July 5, 2024 -
Nothing but positive things to say. Great company, have used them for years.
July 5, 2024 -
Always done very well for us. Highly recommended.
July 5, 2024 -
Thank you so much for the wonderful service. It is alway so easy to renew my policy each year!
July 5, 2024 -
quick and easy to sign up and did not break the bank!!
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
April 7, 2024
Have Questions About Music Teacher Insurance? We’re On It.
Does My Insurance Cover My Instruments and Equipment?
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.
Why Do Private Music Teachers Need Liability Insurance?
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.
If the School I Work at Has Liability Insurance, Do I Still Need a Policy?
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.
Do I Have to Join an Association to Get Music Teacher Insurance?
How Much Does Music Teacher Insurance 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.
