Recording Studio Insurance
Specialist liability cover for recording studios from £4.83* per month.
- Public liability for recording studios
- Add Equipment cover
- Join over 150,000 customers**
From only £4.83* per month
Save 10% Onlineˆ
What does recording studio insurance cover?
Our insurance for recording studios is designed for people running small studio spaces, project studios, or mobile/portable recording setups. Whether you manage a compact production room, engineer sessions in rented spaces, or run mobile recording services for bands, podcasts, voiceovers, or live events, this cover provides essential protection for the way you work.
Public Liability and Products Liability are included as standard, with the option to add Professional Indemnity, Employers’ Liability, Equipment Cover, Personal Accident, Overseas Extension, and Legal Expenses.
Your policy can work for your whatever way you work, whether you operate from a private studio room, hire external spaces, or travel with your gear to client locations.
Make sure you have the correct insurance for your profession and be sure to check if any exclusions are relevant to what you have planned in policy documentation.
Public Liability
Professional Indemnity
Employers' Liability
Equipment
Personal Accident
Public Liability and Products Liability
- From £1 million to £5 million of cover.
- Protection from claims by a third-party who sustains injuries or has their property damaged, whereby you or your business is responsible.
Professional Indemnity
- From £100,000 to £1 million of cover.
- This protects you from damages caused by your mistakes, errors, or negligence in your professional work, including those made by your employees.
Employers’ Liability
- Up to £10 million of cover.
- Protection from claims against employee incidents if someone suffers a work-related injury and brings a claim against you.
Business Equipment
- Up to £25,000 worth of cover
- Cover is provided on a new-for-old basis for items under three years old, meaning that regardless of whether you have had the item for three months or three years, we will replace it with a brand-new equivalent if the damage is irreparable.
Personal Accident
- Protection from workplace accidents.
- A selection of incidents can be claimed for under this benefit, including accidental death, permanent total disablement and temporary total disablement.
Overseas Extension
- Work abroad for up to 30 days a year.
Select European Union or Worldwide (excluding the USA & Canada).
Legal Expenses
- Access to a legal helpline and a counselling service in addition to legal defence costs.
- The cover can be upgraded further to include employment disputes, property disputes, health and safety disputes and more.
- Expertise out of your scope of work.
- Businesses with more than 5 employees
- Damage to electronic data
- Wear and tear of equipment
- Operating in the US and Canada
- Anyone aged 16 or younger working for you
For further information on exclusions in your cover, please refer to the policy documentation.
What types of insurance do you need for recording studios?
Recording sessions can involve expensive equipment, multiple contributors, cables, stands, and long working hours. Even with careful planning, unpredictable situations can occur. The right insurance helps protect you, your clients, your equipment, your income, and anyone assisting you during sessions.
Here are common scenarios where cover makes a real difference:
Public Liability for recording studios
During a session, a client might trip over an audio cable, knock over a mic stand and damage equipment, or spill a drink that damages a venue’s flooring.
Public liability insurance covers accidental injury or property damage that happens during your recording sessions. It shields your finances and reputation and reassures clients and hired spaces that you take safety seriously.
Professional indemnity insurance
If a client claims that your technical advice, audio engineering decisions, or recording services caused them financial loss, for example: A corrupted session file, lost or unusable recordings, a technical oversight during a live capture, mistakes in editing, mixing, or mastering.
Professional indemnity insurance helps cover legal and compensation costs.
It protects you against errors, omissions, or negligence in your professional work including mistakes made by employees, if paired with employers’ liability insurance.
Recording Studio Equipment Cover
Your equipment is the backbone of your work, whether you rely on microphones, audio interfaces, laptops running DAWs, studio monitors, cables and accessories, portable mobile recording setups, or specialist outboard gear and instruments. A single theft, spill, power surge, or accidental drop can bring your sessions to an immediate halt.
Equipment cover helps you repair or replace stolen, damaged, or lost items so you can get back to recording as quickly as possible, whether you operate from a home studio, a rented space, or a fully mobile environment.
Employers’ Liability
If you have assistants, engineers, runners, session support, or anyone else working under your direction, employees or not, employers’ liability insurance covers the legal and compensation costs if they’re injured while helping you.
It’s a legal requirement if you employ anyone (even part-time or voluntary), and it demonstrates that you value and protect the people who support your sessions.
Our experts explain why...
“Recording studios, whether fixed-location or mobile, are creative hubs built on precision, collaboration, and trust. As a studio owner or technician, you’re not just capturing sound; you’re creating a professional environment where artists, podcasters, musicians, and creators can bring their ideas to life.
Our recording studio insurance is designed around the realities of your work: cables and equipment everywhere, tight deadlines, high-value gear, and sessions that move between locations. From intimate vocal takes to full-band tracking days, our cover adapts to your workflow and supports you through unexpected challenges.
Ultimately, our goal is to give you the confidence to focus on what you do best, producing great audio, while we take care of the risks behind the scenes.”
Chris Trotman, Protectivity Underwriting Manager
How much does recording studio insurance cost?
At Protectivity policies start at just £4.83 per month.*
The cost of your recording studio insurance depends on how you operate, what equipment you use, and the level of cover you need. If you run frequent sessions, work with members of the public, or rely on specialist recording gear, you may need higher cover limits for full protection.
Factors that affect your premium include:
- The type of recording work you do
- Whether you operate from a private studio, rented space, or mobile setup
- The value of your equipment
- Whether you hire assistants or engineers
Prices from
£4.83* a month
Explainer quote
Policy cost
£4.83* a month
Policy type
Recording studio liability insurance
Policy duration
Annual
Public Liability
£1,000,000
This example is based on a real quote from our website on 10/12/2025. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example. The quote you receive will reflect the information you share about your event. The quoted price may vary from those displayed here.
Have a question?
For further information on your policy, renewals, making a claim and contacting us, you’ll find an extensive list of FAQs on our Help & Support page.
Why choose Protectivity for your recording studio insurance policy?
Let the reviews of over 3,500 customers explain why you should choose us.¹
Trusted by over 150,000 customers.
Experienced insurance providers for over 30 years.
Over 3,500 highly rated reviews.
Proof of our excellent customer service.
Experienced Claims Handling
A smooth and efficient claims process.
UK Based Customer Support
Our UK sales team are here to help.
Frequently
Asked Questions
Does my policy cover equipment used outside the studio?
Yes. With business equipment cover, your insured items are protected whether they’re kept in the studio, transported, or used on location, such as at another studio, live venue, school, or client’s home.
Does my insurance cover damage to client equipment while in my studio?
Yes. If a client’s property is damaged in your studio and you are held responsible, this can be covered under Public Liability insurance.
Am I insured if I work from home or have a mobile recording setup?
Yes. Your cover applies for the benefits you select, whether you operate from a commercial studio, your home, or on the move.
This page content has been created for general information and should not be taken as advice.
*Prices quoted refer to a quote raised from our website 17/10/2025. Prices will differ depending on requirements. Make sure you have the correct level of cover for what you need. For the most accurate pricing, please get a quote and for full details on what is covered refer to our policy documentation with your quote.
** Based on Protectivity sales data from 2007 to Sep 2024
¹Based on live Feefo data