Musician 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.

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!

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.

There are two types of certificates that you may be interested in downloading from your policy.

1. 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.
2. 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.

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.

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. 

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.