Musician Liability Insurance
Insurance for Individual Musicians
Same-Day Certificate of Insurance for Musicians
Why Insurance Canopy for Musician's Insurance?
Save
Need musician insurance? Our affordable General Liability coverage hits all the right notes.
Protect
This policy is backed by an A+ Rated carrier, giving you the protection you need to keep your show on the road.
Perform
Musicians are usually required to present a General Liability policy to perform at events and venues. 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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My personal liability insurance for teaching fitness classes was so easy to set up! Plus, I needed to make a correction and their customer service was very prompt. Highly recommend... Read More for group fitness instructors.
December 6, 2022Quick and painless way to get insured
February 20, 2023Very helpful agents! Will definitely recommend to all my industry friends!
May 26, 2023 -
Easy to set up And good price! I did shop around and found this company took me 20 minutes to get everything done ...got a custome made Liquor Liability insurance... Read More Anual plan
June 26, 2022Amazing service. Very fast, straightforward and helpful. Thank you for providing me with the necessary insurance coverage for my company and equipment. ???
October 12, 2022Website Easy To Navigate And Price For Insurance Cover Is Excellent. Thank You For Insuring My Event! 👊🏾
May 26, 2023 -
I’ve been looking for the right insurance company. And I’ve found it ! Awesome prices and great coverage plans. Thank you !!
August 26, 2022Wonderful quick and easy!
December 6, 2022Easy peezy
September 26, 2022 -
Web site was very clear and easy to use
January 6, 2023Easy to sign up and great customer service!
February 6, 2023Great service
August 26, 2022 -
They did actually do a great job at establishing my policy quickly and answering my questions by phone. Would recommend to others.
September 26, 2022You can't beat the price and once I called in, the guy I spoke with told me everything I needed to know and I was signed up within minutes. Amazing!!!
July 26, 2022Fast, easy, affordable.
September 26, 2022 -
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.
May 26, 2023Instructor at Orange Door Yoga in Grand Junction, Co
February 20, 2023Easy purchase… very clear description of service and options.
June 21, 2023 -
It was easy to fill the forms out online and all the information
August 26, 2022Great place to get affordable DJ insurance. Keri took the time to get me the right coverage I needed, thanks again!
September 26, 2022Was in a jam. Needed the insurance for a gig coming up and the process was sooo simple! The coverage is exactly what they were looking for and we are... Read More all ready go! Thanks Insurance Canopy! This was great!
October 12, 2022 -
Customer service and experience was great. Appreciate the patience and knowledge. Thank you.
May 26, 2023I’m so happy with your company!!!
October 19, 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.🎈
May 26, 2023 -
They took care of business! Easy process and cheap price to pay for peace of mind and being able to say you are a pro and fully insured.
February 13, 2023Very easy to obtain a policy
December 6, 2022Incredibly user-friendly set up. Super impressed with the ease of purchasing my policy. Great!
June 26, 2022 -
I am so pleased to have found "Insurance Canopy" to handle my business insurance. Karen M. was extremely knowledgeable, courteous and timely in getting me the proper insurances. ... Read More Prior to finding them I had spent many wasted hours talking with ordinary "customer service" reps at other online companies who just gave me the runaround. I am very fortunate to have found "Insurance Canopy". Karen is a bona fide "insurance agent" opposed to just a "customer service" rep. She can actually explain the details of business insurances, unlike the others. I highly recommend this company. Thank you Karen! Sincerely, Edward B.
May 29, 2023I'm excited excellent price
February 20, 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.
January 6, 2023
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Very easy to obtain a policy
December 6, 2022 -
Great site to work with.
June 5, 2023 -
Simple and easy on line process and I saved money compared to a large nationally known insurer
January 6, 2023 -
I am so pleased to have found "Insurance Canopy" to handle my business insurance. Karen M. was extremely knowledgeable, courteous and timely in getting me the proper insurances. ... Read More Prior to finding them I had spent many wasted hours talking with ordinary "customer service" reps at other online companies who just gave me the runaround. I am very fortunate to have found "Insurance Canopy". Karen is a bona fide "insurance agent" opposed to just a "customer service" rep. She can actually explain the details of business insurances, unlike the others. I highly recommend this company. Thank you Karen! Sincerely, Edward B.
May 29, 2023 -
I’m so happy with your company!!!
October 19, 2022 -
Excellent online experience, clean, clear instructions. At the right price too.
September 26, 2022 -
Quick easy to understand and reasonable. Detailed instructions and easy to ise. Canopy did it all for my team
September 26, 2022 -
They took care of business! Easy process and cheap price to pay for peace of mind and being able to say you are a pro and fully insured.
February 13, 2023 -
Service rep was very knowledgeable very helpful and got the job done for what I needed Immediately . Can't say enough about Hi service
January 6, 2023 -
I'm excited excellent price
February 20, 2023
What is Insurance for Musicians?
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
- Studio recording sessions
Insurance for musicians provides coverage for your General Liability needs, and these claims are the most common types you 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 playing music. Why would I need insurance?” Insurance may not be the first thing that comes to mind when you’re booking gigs, but here are a few reasons why you need it:
- Having liability insurance positions you as a serious professional.
- Many clients and venue owners will require you to show proof of insurance before hiring you, and may request that you add them to your policy as an additional insured.
- Liability insurance gives you a layer of defense against claims such as bodily injury or property damage.
- You can enjoy financial peace of mind.
How Much Does Musician’s Insurance Cost?
A basic annual policy starts at $16.58 per month or $199 per year if you choose to pay in full. Annual policies are best for musicians who perform at events or venues throughout the year and need consistent coverage.
If you only need short-term coverage, we offer an event policy that provides up to three days of coverage for as low as $59. While your event may only last for one day, our policy ensures you are protected if you need a day to set up or tear down your equipment at the venue.
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 in the event you are 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, which is why you need a musicians insurance policy. This is also why many venues will require that you add them to your policy as an additional insured—to protect them from your liability.
Can I Insure My Musical Instruments?
Yes, an annual policy can extend your insurance coverage to instruments and other gear in the event they are stolen or damaged. Select to add the 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 per month)
- $5,000 policy year (+$12.50 per month)
This allows you to select the amount that can reimburse your instruments or equipment if it is ever damaged or stolen. This coverage will follow you no matter where you are performing!
What Is Covered Under a Musician Insurance Policy?
Musician’s insurance is 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 and include situations such as:
- An audience member hurting themselves at one of your shows and suing you, claiming there were too many people in the venue.
- Transporting your keyboard into a venue and bumping it against the wall, creating a large hole that the venue holds you responsible for repairing.
- One of the employees at the venue tripping over your amp and injuring themselves, then suing you to pay for their medical fees.
Our policy is designed to cover solo artists or groups of up to ten people. You have the ability to add options to the General Liability policy, including instrument coverage, that is not otherwise covered.
What is an Additional Insured and How Do I Add One?
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 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.
Are Wedding Musicians Covered Under Musician Insurance?
Yes! Musicians who perform at weddings are covered under this policy.
Purchase event coverage for events lasting up to three days 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
Choosing the right insurance for musicians is critical. You can’t afford mishaps that could put you out of business or put your financial future at risk.