Musician Liability Insurance
Insurance for Individual Musicians and Bands
Same Day Certificate of Insurance for Musicians
Why Insurance Canopy for Musicians Insurance?
Purchase 24/7 with the ability to customize your policy day or night. Choose between annual or event insurance for musicians and simply check out in minutes. Easily access your documents in one place and purchase additional insureds at any time.
Save
Need musician insurance? Our affordable general liability insurance hits all the right notes.
Protect
This general and public 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 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.
What is Musicians Insurance?
Musicians 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, musicians insurance could help cover the costs of these claims.
Musicians insurance provides coverages for your general liability and public liability needs. Our policy provides general liability insurance for bands as well as individual musicians.
Do Musicians Need Public Liability Insurance?
Yes. Musicians insurance is an important component of your business and 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.
How Much Does it 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.
You also have the option to protect your property. Our Equipment & Gear Coverage, also known as Inland Marine Insurance, protects instruments, speakers, and more items that are critical for your music. You can choose $4,000 in coverage for $3.33 per month or $10,000 in coverage for $5.00 per month. This coverage includes a $250 deductible.
Some venues require you to list them as an additional insured. This coverage can be added to your policy free of charge. You can get your quote in less than 10 minutes.
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?
Musician Liability Insurance
Event Policy: Starting at $59 – Choosing the right musicians insurance is critical. You can’t afford mishaps that could put you out of business or put your financial future at risk.
Questions About Musicians 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
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.
There are two pricing options to choose from, so you can 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!
Musicians 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.
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.
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.
To have your instruments and equipment covered, you must purchase the additional “Tools and Equipment” option at checkout or when renewing your policy.
Otherwise, this general liability only covers third-party claims when you or someone who works for you causes damages to someone else’s property—which could include their equipment or their instruments. But it would not extend coverage to your own gear.
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.
