Who is specialist band insurance for?
Band insurance through Insure4Music is designed for bands at every stage of their musical journey, from newly formed groups playing their first gigs to established acts performing regularly at weddings, festivals, functions and venues across the UK and overseas.
Cover options are available to help financially protect your instruments, equipment, and performance activities. All policies with Public Liability cover selected, or Public Liability only policies also include a certificate as proof of cover, while our policies allow unlimited gigs, events and festival performances throughout the policy term.
Types of bands can include:
- New and emerging bands – who are taking their first steps into live performances and building a presence on the local music scene, whilst financially protecting recently purchased equipment
- Function and wedding bands – who regularly perform private events, celebrations and corporate functions in front of live audiences, where Public Liability cover may be required
- Rock and indie bands – who play original music at gigs, showcases and festivals, in front of live crowds. (Maximum capacity of 1,000)
- Tribute acts – who recreate the sound and stage presence of well-known artists, with unique and expensive replica instruments, costumes and set design
- Jazz and blues bands – who perform at intimate clubs, restaurants, hotels and live music venues, where audiences are often close to the performers
- Brass bands – who take part in concerts, competitions, parades and community events involving large groups of musicians. Up to a maximum capacity of 5,000 spectators
- Touring bands – who play multiple dates across the UK and overseas at venues with a maximum capacity of 1,000
Do I need band insurance?
Band insurance can help to financially protect musicians in a variety of situations, from rehearsals and live performances to festivals, functions and touring.
Some common scenarios include:
- A venue, festival or event organiser where you are performing asks for proof of Public Liability insurance before confirming a booking
- You perform at weddings, corporate events, private functions or public venues, where Liability cover may be required by organisers or venues
- You play at festivals and outdoor events, where larger audiences and shared performance spaces can increase potential liability risks, especially when multiple performers, suppliers and members of the public are present. Capacity limits apply
- You rehearse in shared practice spaces or community venues, where accidental injury or property damage could occur during rehearsals or recording sessions.
- You transport instruments and equipment between to a venue or whilst on tour, where Equipment cover may help protect against theft, loss or accidental damage
- Your band owns valuable instruments, amplifiers, speakers or other gear, which could be costly to repair or replace if damaged or stolen
- You tour across the UK or perform overseas, where optional 180 day worldwide cover may be available
- Your performances involve members of the public, venue staff or third-party property, where Public Liability cover may help protect against eligible claims.
