Musician Liability Insurance

Insurance for Individual Musicians

Same-Day Certificate of Insurance for Musicians

MOST POPULAR

$199

Yearly, or $18.50/monthly

AS LOW AS

$59

Show Policy, 1-3 Day
4.8/5

Why Insurance Canopy for Musician's Insurance?

We cover you while you play your tunes. Purchase 24/7, customize your coverage, and check out in minutes. Choose between affordable annual or event insurance for musicians, get instant proof of insurance, and purchase additional insureds at any time from your dashboard. 
Backed by
Great American Insurance Group logo

You're In Good Company With Insurance Canopy

Here's what some of our over 14,700 customers have to say about their experience.

  • 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!

    Aaron Copenhaguen Avatar Aaron Copenhaguen
    March 26, 2024

    Getting 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 Avatar Herman Hildo
    March 25, 2024
  • I 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 Avatar Darron Hines
    March 25, 2024

    Super friendly service..

    Kristina Strong Avatar Kristina Strong
    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

    Greg Hoover Avatar Greg Hoover
    March 25, 2024
  • Reasonable 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 Avatar Kate Whelan
    March 25, 2024

    Very easy process to get peace of mind

    Kristen Talusan Avatar Kristen Talusan
    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.

    Adriana Chacon Avatar Adriana Chacon
    March 25, 2024

    Great service, affordable insurance, easy to work with.

    Roland Cache Avatar Roland Cache
    March 18, 2024

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

    susan fletcher Avatar susan fletcher
    March 11, 2024
  • Fast procedure with clear price options. Did everything in less than 5 minutes

    Ron Geraci Avatar Ron Geraci
    March 11, 2024

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

    Dance Smith Productions Avatar Dance Smith Productions
    March 1, 2024

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

    Vito n/a Avatar Vito n/a
    March 1, 2024
  • Site easy to navigate, good price, good customer service.

    Yosie Coronel Avatar Yosie Coronel
    March 1, 2024

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

    Jacque Avatar Jacque
    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

What is Music Liability 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 can cover the costs of these claims. Some types of events where musicians insurance is recommended are:

  • Weddings
  • Corporate events
  • Live music gigs at bars and restaurants
  • Recording studio sessions
  • Parties
  • Fairs
  • Festivals
  • Farmers markets

Our professional musician insurance offers coverage for solo artists, and we also have band insurance coverage tailored to meet venue requirements (including the ability to add additional insureds from your dashboard). We make protecting your business easy so you can focus on the music.

Why Do Musicians Need 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 musicians need public liability insurance:

  • To position yourself as a serious music professional.
  • To book gigs—clients and venue owners will usually require you to show proof of insurance and may request to be added to your policy as an additional insured.
  • To protect the future of your business. Insurance gives you a layer of defense against third-party claims of bodily injury or property damage.
  • To enjoy financial peace of mind.

How Much Does Musicians Insurance Cost?

Musicians insurance costs as little as $199 annually or $59 per event. With Insurance Canopy, you’ll pay just $18.50 per month (or $199 annually) for year-round coverage. Annual policies are best for musicians who perform at events or venues throughout the year and need consistent coverage. You’ll also need an annual plan to add instrument and equipment coverage.

If you only need short-term coverage, we offer music event insurance 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 take 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, right from your dashboard.

drummer performing

Coverage Details Limits

Included

General Liability Aggregate Limit

$2,000,000

Products – Completed Operations Aggregate Limit

$2,000,000

Personal and Advertising Injury Limit

$1,000,000

General Each Occurrence Limit

$1,000,000

Damage to Premises Rented to You Limit (Any One Premises)

$300,000

Medical Expense Limit

$5,000

Unlimited Additional Insureds

Annual – Included
Event- $5

Additional Limits (Annual Only)

Equipment and Gear Coverage

$2,000 policy year

+$6.00/month

$5,000 policy year

+$12.50/month

Deductible

$250

Excess Liability Coverage ($1,000,000)

+$29.17/month

Cyber Liability Coverage ($100,000)

+$8.25/month

Policy Pricing

Annual Policy – 365 Days Covered

From $18.50/month

Event Policy – 1-3 Days Covered

From $59 per event

Still doing your research?

Have a question for us?

Frequently Asked Questions (FAQs) About Musicians Insurance

Musicians Liability Insurance

Choosing the right music liability insurance is critical. You can’t afford mishaps that could put you out of business or put your financial future at risk.

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