Musician Liability Insurance
Insurance for Individual Musicians and Bands
Same-Day Certificate of Insurance for Musicians
Why Insurance Canopy for Musician's Insurance?
Save
Need musician insurance? Our affordable General Liability insurance hits all the right notes.
Protect
This General Liability insurance for musicians is backed by an “A+ Rated” carrier. As an individual musician or a band, liability insurance gives you the protection you need to keep your show on the road.
Perform
Most events and venues require a General Liability policy for individual musicians and bands to perform. Buy online in minutes and stay focused on your performance.
You're In Good Company With Insurance Canopy
Here's what some of our over 14,700 customers have to say about their experience.
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Quick and easy service! A++
H Peaks
May 29, 2023Very easy process. Stefani stayed on the phone and walked me through the process. Took about 5 minutes and my group was insured. Excellent service.
Robert Stewart
June 26, 2022It was a very easy experience.
Pamela Burton
February 13, 2023 -
So far this company has been great. Answered my questions promptly and got a quote promptly.
Natalie Thompson
October 12, 2022I'm very happy to have found you guys for my business. The website is easy to navigate. The support service is excellent. Affordable prices for balloon artists and party entertainment... Read More professionals.🎈
Blanca Mendoza
May 26, 2023I got the coverage I needed. The coverage wasn’t extravagant in price and I was able to add an additional insured. Thanks for the great service.
ShoMoDjs DJ and Audio Visual Services
January 6, 2023 -
This was a very easy process of purchasing DJ insurance, I mostly like the affordable reasonable rates.
Jeffrey “Jay jay” C
June 19, 2023Easy to use and reasonably priced
Doug Mickan
June 19, 2023It was a easy sign up experience .
Laroi Newman
July 26, 2022 -
Quick and painless way to get insured
Jay Foster
February 20, 2023Website Easy To Navigate And Price For Insurance Cover Is Excellent. Thank You For Insuring My Event! 👊🏾
Fritz Cooper
May 26, 2023Easy to use. Very good user experience. Definitely recommend insurance copy for fellow musicians performing live at events etc.
Ted K
June 26, 2022 -
Wonderful quick and easy!
shani files
December 6, 2022Great place to get affordable DJ insurance. Keri took the time to get me the right coverage I needed, thanks again!
Carlos Navarro
September 26, 2022Easy peezy
Tom Razin
September 26, 2022 -
Easy to follow instructions on establishing my DJ liability insurance. Pricing was the best I've found to suit my needs.
Judy Carter
September 26, 2022Easy. Quick. Responsive on chat.
Me
May 29, 2023Very easy to obtain a policy
John Faughey
December 6, 2022 -
It didn’t start out so smooth but Jamal was helpful getting my additional insured added
Grog
June 12, 2023Reliable, efficient and affordable! The new online form was quick and simple, it took me less than 15 minutes to complete. They are also very quick on answering any... Read More questions we have.
Elena Azama
May 26, 2023Quick easy to understand and reasonable. Detailed instructions and easy to ise. Canopy did it all for my team
Kappa Xi
September 26, 2022 -
Your insurance provisions work perfectly for me. No overhead or long term contracts and I'm able to pass along the cost to my clients. Thanks!?
Gary Morton
July 26, 2022Very Easy and affordable
barber fire
March 4, 2023Super easy and straightforward.
Emily Mallar
October 12, 2022 -
Love y’all! I highly recommend performers to use your services. I have also recommended your company to BMI. ASCAP. SESAC, etc. to list you as a resource for Entertainers. Thank... Read More you so very much!
KGTCA LLC
February 27, 2023Service rep was very knowledgeable very helpful and got the job done for what I needed Immediately . Can't say enough about Hi service
Clifford Lo Sasso
January 6, 2023Customer service and experience was great. Appreciate the patience and knowledge. Thank you.
justelement T
May 26, 2023 -
The process to apply for insurance was very easy and I appreciated how smooth it went. However, I didn’t like auto renew without my permission. I’m 69 and... Read More I don’t know what I’ll be doing next year so please unroll me from auto renew. Other than that I liked the simplicity of the online application.
Regina Nowak
May 26, 2023Faith at Insurance Canopy is great to work with. She is very responsive and efficient with responses when requests are made and always with a positive attitude. She is... Read More great to work with!
Todd McCabe
March 3, 2023Great site to work with.
Patti Lee
June 5, 2023
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Your insurance provisions work perfectly for me. No overhead or long term contracts and I'm able to pass along the cost to my clients. Thanks!?
Gary Morton
July 26, 2022 -
Very easy and efficient. It was just what I needed
Deborah West
February 27, 2023 -
It was a very easy experience.
Pamela Burton
February 13, 2023 -
Great place to get affordable DJ insurance. Keri took the time to get me the right coverage I needed, thanks again!
Carlos Navarro
September 26, 2022 -
Very helpful agents! Will definitely recommend to all my industry friends!
Entertainment Labs
May 26, 2023 -
Website Easy To Navigate And Price For Insurance Cover Is Excellent. Thank You For Insuring My Event! 👊🏾
Fritz Cooper
May 26, 2023 -
I’m so happy with your company!!!
Jenalyn Smith
October 19, 2022 -
Beta use only // easy, great… unbelievably easy to add and remove and insured and uninsured… almost too easy so thank you dad
kayla ciruzzi
May 26, 2023 -
I'm excited excellent price
Edgar roberto Lobos
February 20, 2023 -
Super easy and straightforward.
Emily Mallar
October 12, 2022
What is Musician's Insurance?
Musician’s insurance covers claims that may arise from your performance or operations during an event. For example, if a club patron injures themselves by tripping over your equipment or you damage a venue, musician’s insurance could help cover the costs of these claims. The events where you would need musician’s insurance could include weddings, corporate events, small parties, fairs, festivals, farmers markets, and more.
Insurance for musicians provides coverage for your General Liability needs. Did you know that General Liability claims are the most common claims your band could face? Our policy provides General Liability insurance for bands as well as individual musicians.
Why Should You Carry Musician's Insurance?
You may be thinking, “I’m just singing. Why would I need insurance?” Well, you may just be singing but here are a few reasons why you need insurance:
- Having liability insurance pegs you as a serious professional.
- Clients or venue owners may require you to show proof of insurance before hiring you.
- Liability insurance gives you a layer of defense against claims such as bodily injury or property damage.
- You can enjoy financial peace of mind.
- Easily list club or venue owners as additional insureds.
How Much Does Musician’s Insurance Cost?
A basic 1-3 day General Liability insurance policy starts at $59. That’s your best option if you just need coverage for an event. If you know you’ll need coverage for events throughout the year, an annual policy would be your best choice for saving money. An annual policy starts at $199 with options to pay in full or $16.58 per month.
Some venues require you to list them as an additional insured. Additional insureds can be added to your policy free of charge.
Coverage Details
General Liability Limits
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.
$2,000,000
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.
$2,000,000
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
$1,000,000
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
Additional limits
Purchase a entertainers event policy and get short-term coverage.
$59
Entertainers annual policy that will remain in effect the whole year.
from $199
Still doing your research?
Have a question for us?
Questions About Musicians Insurance
Do Musicians Need Liability Insurance?
Yes. Musician’s insurance is designed to protect you should you be sued as a result of your business operations. You could be held liable for claims that include injuries, illnesses, or damages arising from your entertainment services. Claims can arise from guests, venues, vendors, or other participants. You may also be named in claims against the venue and may not be extended coverage under their policy.
Can You Get Insurance on Musical Instruments?
Yes, an Annual Policy can extend your insurance coverage to instruments and other gear. Select to add the tools, equipment, and gear coverage to your policy at checkout for a low monthly cost. This coverage includes a $250 deductible.
There are two pricing options to choose from with music equipment insurance:
- $2,000 policy year (+$6.00 / month)
- $5,000 policy year (+$12.50 / month)
This allows you to select the amount that can reimburse your instrument or equipment if it is ever damaged or stolen. This coverage will carry with you no matter where you are performing!
What Is Covered Under a Musician Insurance Policy?
Musician’s insurance is a General Liability policy designed to cover third-party claims against you or your group. These are instances where you caused damage to someone else’s property (including venues) or injured someone due to negligence.
Our policy is designed to cover solo artists or groups of up to 10 people. You have the ability to add options to the General Liability policy, including instrument coverage that is not otherwise covered.
What Is a Certificate of Insurance for Musicians?
There are two types of certificates that you may be interested in downloading from your policy.
- Proof of Insurance: This document is your “proof” that a certificate is issued to you, certifying coverage under a commercial and General Liability master policy. This document will list the limits of your coverage, additional options you added to your policy, and the effective date.
- Certificate for Additional Insureds: If you have added a venue, employer, or location as an additional insured, you can download a certificate of insurance. This certificate lists details of the insurance policy, including coverage limits but also lists their personal names and addresses. This certificate doesn’t transfer the rights of your policy. It’s still your policy—it simply extends your coverage to an additional insured in the event that you and the additional insured are listed in a claim.
When Can I Receive a Certificate of Musicians Insurance?
You can easily download your certificate of insurance after checkout. It will be available in your customer dashboard along with other helpful items that can be downloaded as PDFs.
Visit the dashboard and click “Proof of Insurance” to easily download this document.
Does Insurance for Musicians Cover Damage to Equipment or Instruments?
To have your instruments and equipment covered, purchase the additional “Tools and Equipment” option at checkout or when renewing your policy.
The Tools and Equipment coverage is an add-on to your General Liability insurance. General Liability only covers third-party claims when you or someone who works for you damages someone else’s property, including their equipment or instruments. But it would not extend coverage to your own gear. In order to protect your own gear and equipment, you would have to add Tools & Equipment coverage to your policy.
Are Wedding Bands Covered Under Musician Insurance?
Yes! Wedding bands are covered under this policy!
Purchase event coverage for 1-3 day-long events or an annual policy for coverage for a full year. Depending on how many weddings you perform at, the annual coverage may be the better option for purchase.
Purchase DJ coverage if you are a Wedding DJ.
Musician Liability Insurance
Event Policy: Starting at $59 – Choosing the right idnsurance for musicians is critical. You can’t afford mishaps that could put you out of business or put your financial future at risk.