Sound Engineer Insurance
Specialist cover for sound engineers from £4.83* per month.
- Public liability for sound engineers
- Add Equipment cover
- Join over 150,000 customers**
From only £4.83* per month
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What does sound engineer insurance cover?
Our insurance for sound engineers is designed to support professionals across the audio and production industries — from freelance mixing and mastering engineers to small studios handling multiple client projects. Whether you’re working independently or managing a production team, this policy ensures you’re protected while working as a sound engineer.
The core cover includes public liability for, with limits of up to £5 million. This helps safeguard you against claims of injury or property damage that may occur during your work. It’s excellent value for essential business protection, allowing you to operate with confidence while focusing on your clients’ needs.
Our sound engineer insurance is flexible and can be tailored with optional add-ons such as professional indemnity, equipment cover, personal accident protection, and legal expenses. So, whether you’re working remotely, in a co-working space, or running a growing creative business, your policy can evolve with you and your work.
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 £250,000 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.
Equipment
- Up to 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 policy documentation.
Why do sound engineers need insurance?
As a sound engineer, your role goes far beyond capturing and mixing great audio. You’re responsible for delivering clear, high-quality sound, meeting production deadlines, collaborating with artists or clients, and ensuring every project meets technical and creative standards. But even with the best preparation, things don’t always go as planned. That’s why specialist insurance for sound engineers is so important.
Having the right cover ensures that if a client brings a claim against you, whether for a design that didn’t meet expectations, a missed deadline, or advice that led to a financial loss, you’re supported. Even the most experienced professionals can face disputes, and insurance is there to help protect your reputation, your finances, and your future.
Sound Engineer Insurance insurance can help protect you in the following situations:
Public liability cover
Even in a home studio or shared recording space, accidents can happen. For example, if a client or artist visits your studio and trips over a microphone stand or power cable, you could be held legally responsible.
Public liability insurance protects you from the legal and financial fallout of such incidents, covering compensation claims and legal expenses—so you’re not left footing the bill.
Professional indemnity insurance
Imagine you deliver a final mix or soundtrack to a client, but later they claim the audio caused issues — perhaps poor sound quality affected their broadcast or event, or they lost revenue due to technical problems they believe were your fault. Even if the complaint is unfounded, the process of defending your work can quickly become both time-consuming and expensive.
Professional indemnity cover is made for these situations. It helps cover legal defence costs and any compensation owed, giving you the freedom to create without fear of reputational or financial damage.
Equipment cover
Your equipment, from studio monitors and microphones to mixing consoles, laptops, and licensed audio software, is essential to your work. If it is stolen from your studio or damaged while traveling to a recording session or live event, your projects could come to a sudden halt.
Equipment cover helps replace these vital items on a new-for-old basis, so you can get back to work with minimal disruption.
Personal accident cover
Sound engineering might not seem high-risk, but long hours in the studio or behind a desk can lead to repetitive strain injuries, back or neck strain, eye fatigue, or hearing issues. Accidents, such as slips, trips, or falls, can also happen anywhere, whether in the studio, on stage, or while handling equipment.
Personal accident cover provides financial support during recovery, helping you manage living costs or lost income while you take the time to heal and return to work.
Our experts explain why...
“Sound engineers do far more than press record and adjust levels. They craft high-quality audio experiences that shape how clients, audiences, or listeners perceive a project, whether it’s music, film, broadcast, or live events. From managing tight deadlines to providing technical guidance and creative input, their work blends precision, creativity, and real responsibility.
That’s why our sound engineer insurance is built to reflect the genuine risks of working in the creative industry. Whether you’re a freelance sound engineer working from your home studio or a small production team handling multiple recording or live projects, our cover provides support when it matters most, from claims of negligence to disputes over deliverables.
Our goal is to give sound engineers the confidence to focus on their profession, knowing they’re protected by flexible insurance that grows with their business.”
Chris Trotman, Protectivity Underwriting Manager
How much does sound engineer insurance cost?
At Protectivity, sound engineer policies start at just £4.83 per month.*
Sound engineer insurance is a cost-effective way to protect your business, equipment, and reputation.
Several factors influence the price of your policy. If you use high-value equipment, work with major brands, or provide strategic audio consultancy, you may need a more comprehensive level of cover. Optional extras like equipment protection, personal accident cover, or employers’ liability can be added to tailor your policy to your specific needs.
Ultimately, investing in sound engineer public liability insurance helps protect both your livelihood and your professional reputation, so you can take on creative projects with confidence, wherever your work takes you.
Prices from
£4.83* a month
Explainer quote
Policy cost
£4.83* a month
Policy type
Sound engineer insurance
Policy duration
Annual
Public Liability
£1,000,000
This example is based on a real quote from our website on 17/10/2025. 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 sound engineer 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
What types of equipment are covered under sound engineer insurance?
Under our Sound Engineer Insurance, sound engineers can get cover for a wide range of equipment essential to their work. This includes core studio and live audio gear, such as microphones, mixers, speakers, laptops, and other specialist audio equipment. The policy protects your equipment against theft, accidental damage, and while in transit to and from sessions or events, with reimbursements for repairs or replacements up to the selected cover limit, which can range from £2,500 up to £50,000. This ensures freelancers, small studios, and production teams can focus on their craft with confidence, knowing their gear is protected.
Does my policy cover equipment damage at outdoor events and festivals?
Protectivity’s sound engineer insurance can cover equipment damage at outdoor events and festivals. The policy includes equipment cover up to £25,000, and the protection applies to both indoor and outdoor events, including festivals and live performances. Coverage includes theft (provided reasonable precautions are taken), accidental damage, and loss during transit to and from the event.
However, it’s important to note that certain exclusions may apply depending on the specific circumstances of your event. Therefore, it’s advisable to review the policy documentation carefully to ensure it meets your specific needs.
Am I covered for public liability if my equipment causes injury to someone?
Yes, our insurance for sound engineers includes public liability cover, protecting you if your equipment causes injury to someone or damages their property. The policy provides up to £5 million of cover, giving freelancers and small creative businesses robust protection. Note that this cover does not include damage to your own equipment, so adding equipment insurance is recommended for full protection.
Is hired or borrowed equipment included in my coverage?
Yes, the policy can cover hired or borrowed equipment, provided it is used for your work and reasonable precautions are taken. The policy protects against theft, accidental damage, and loss while in use or transit, ensuring that even temporary equipment is safeguarded during projects or events.
What happens if I need to cancel a recording session due to equipment failure?
If you need to cancel a recording session due to equipment failure, Protectivity’s Sound Engineer Insurance can help cover the financial impact, depending on your policy and selected cover options. While standard equipment cover reimburses repair or replacement costs, some policies may also offer protection for losses caused by project delays or cancellations. It’s important to check your policy details to see what cancellation-related coverage is included.
Does the policy cover me when working internationally?
Yes, Protectivity’s Insurance can provide cover when working internationally. Equipment and liability protection can extend to projects abroad, though it’s important to check your policy details for any country-specific restrictions or requirements.
Are studio premises covered if I work from a home studio?
Yes, the policy can cover your studio premises, including a home studio. Your equipment and liability are protected while working from home, ensuring your workspace and gear are covered just like in a professional studio.
What’s the difference between professional indemnity and public liability for sound engineers?
Professional indemnity and public liability cover different risks for sound engineers:
Professional indemnity protects you if a client claims financial loss due to mistakes, advice, or negligence in your work—such as a mix or soundtrack not meeting specifications.
Public liability covers injuries or property damage caused to third parties, for example, if someone trips over your equipment at a studio or live event.
Together, they ensure both your professional decisions and your physical workspace are protected.
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