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Musicians Insurance
Public Liability up to £10 millionWhy do you need Musicians Insurance?
Specialist musician insurance has been designed to protect musicians who are performing at one-off events and includes the vital cover that can help to avoid costly claims. For example, if a third party makes a claim against you for causing a physical injury or damage to their property, public liability will provide protection for these scenarios.
For large and small events there’s always a risk of accidental damage, loss and thefts when moving instruments and equipment between temporary events and in transit. We include event equipment cover from £2500 to up to £50,000 to help you avoid costly financial losses.
There are also circumstances that can unfold whereby an event must be cancelled for uncontrollable reasons. You can opt to include our event cancellation cover to protect you from deposits and other costs you incur prior to the event, loss of ticket sales and more.
If you are performing at a private venue, it is likely that they will expect proof of your public liability cover to offer your services.
Other additional benefits that can be added to your policy include Employers’ Liability cover, which is a legal requirement if you employ any staff or volunteers.
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Why choose Protectivity for Musician Insurance?
Over 30 Years Experience
Our team have been providing insurance to individuals and businesses for over 30 years. With our knowledge and reputation as reliable providers of liability insurance, you can perform knowing you’re in safe hands.
Instant Quotes & Cover
Getting a quote for your Musician Insurance is so simple. Just tell us what it is you are selling or exhibiting, what cover you need and we’ll aim to give you an instant price without delay!
Leisure Industry
Specialists
With our bespoke quick quote system, we aim to give you a price to cover your event instantly. On the rare occasion that this is not possible, we endeavour to provide you with one within two working hours.
Outstanding customer support
Our UK based sales team are on hand to provide you with the support you need. We pride ourselves on delivering outstanding service. Read our independent reviews.
What does Musicians Insurance cover?
Public Liability
We can provide either £1m, £2m, £5m or £10m worth of public liability insurance for musicians for short term events. This will protect you should a member of the public suffer an injury or cause accidental damage to a third-party’s property and blame you as the event organiser for the incident. Our musician public liability insurance will meet the needs of your venue or local authority.
Employers' Liability
If you employ any staff or have a voluntary helper, Employers’ Liability is a legal requirement. This covers you for damages if a staff member suffers accidental injury or property damage whilst working with you.
Equipment Cover
for events
Our policy includes £2500 of equipment cover for free, with the option to increase your cover up to £50,000. This equipment insurance provides you with cover against accidental damage, loss or theft of equipment owned by you, or for which you are legally liable for (e.g. leased out or hired), whilst at, or in transit to, the event.
Event Cancellation Insurance (Optional)
In case the event you are performing at is cancelled for reasons beyond your control, having appropriate cancellation is vital protection, if it becomes necessary to cancel or rearrange the event. This only applies to policies bought more than 14 days before to the event.
I was impressed how fast and efficiently my claim was handled. It was clear how to make my claim and the process was straightforward. Overall, very pleased.
Experienced claims handlers
It’s never nice having to make an insurance claim as it means something has gone whilst you’ve been selling or exhibiting. That’s why we aim to make it as quick and simple to put in your claim.
Our specialist handlers will deal with your claim in the most efficient and sympathetic manner to ensure you can continue running your stall without distractions.
How much does Musician Insurance cost?
Insurance for musicians will vary in price depending on the length and scale of your operation at an event and any additional extras you might need. For example, if you have specialist equipment you may need to pay a higher premium to ensure the correct value is covered.
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Opening Hours 9am to 5:30pm, Monday to Friday
Frequently Asked Questions
Q. How many days can I be protected as a musician?
A. Our single event Musicians Insurance policy will protect you for up to 14 consecutive days at one event.
Q. Does Musicians Insurance cover event organisers?
A. No, this policy is designed to cover individual musicians performing at an event. It is not designed to cover the organisers of an event against claims.
If you are an event organiser, take a look at our Event Insurance product which can cover you for one-off events or multiple events throughout the year.
Q. Are musician instruments covered?
A. Yes, our insurance policy will protect your equipment, including instruments, during an event and whilst in transit to and from an event. We include equipment cover from £2500 and up to £50,000 from damage, loss and theft.
Q. Does this insurance cover me to attend more than one event?
A. No, our musicians’ insurance is only designed to provide you cover for one event lasting no longer than 14 consecutive days.
Q. Does equipment cover on this insurance, provide cover for my equipment should be become damaged due to electronic or mechanical failure?
A. No, this policy excludes claims to claims within your equipment cover for damage to equipment caused by electrical or mechanical failure.
Q. Are there any restrictions on where I can perform?
A. The event you are attending must be within the United Kingdom and must have suitable entertainment licencing (if applicable) to allow the event to take place. You are also not permitted to operate any pyrotechnical devices or projectile equipment, such as but not limited to foam cannons.
Further information on our policy
If you have any other questions, then feel free to get in touch with our friendly team on 01494 887909. Our phone lines are open 9am to 5:30pm, Monday to Friday.