Musicians Insurance - Public Liability Insurance

Exciting as it may sound, we know that making a living as a musician isn’t always easy. To start with there’s the expensive equipment and instruments that are the essential tools of your trade – could you afford to replace them if they were destroyed or stolen?

Don’t simply assume that your instruments are covered under your home insurance policy – if they are particularly expensive or rare for example, and you haven’t listed them as such on your policy, then you could be in for a shock. If you’re lucky enough to be paid for performing or creating music then chances are your musical tools are not covered at all!

Before you start shopping around for tailored musicians' insurance it’s worth checking the small print on your home contents insurance to see exactly what’s covered and what’s not. You may also need to think about public liability insurance - particularly if you organise musical events that are attended by the general public.

Why do I need public liability insurance?
If you perform in public, then you could need to protect yourself in the event of any third party claim. If a spectator were to be injured whilst attending a musical performance, they could potentially sue you for damages and you could be stung with a huge legal bill. Whether you’re amateur or professional, it’s worth being covered for all eventualities.
Just take a few minutes to:

1.    Complete our simple online form
2.    Browse the quotes from our handpicked insurers
3.    Choose the policy that best suits your needs
4.    Pay securely online

And that’s it! Once you’re covered you’ll receive your documents instantly via email so you can get on with the important stuff.

Check before you buy…
•    Read the Key Features and Policy Summary documents before you buy to make sure you are happy with the excess payable in the event of a claim and any exclusions.
•    Make sure you have included or excluded any optional extras, such as professional indemnity cover (perfect for those pesky libel claims if you unknowingly ‘borrow’ someone else’s lyrics or arrangement...)
•    Do you need cover for personal accident? If you’ve chosen a standard policy, think about upgrading to include protection for personal injury and your liabilities if you can’t perform.

Get a quote now or read more in our business insurance guides.