What type of equipment would you like to cover? (You can add more later)
I just want Public Liability cover
Includes both Public Liability Cover and Professional Indemnity Cover.
Public Liability: Protects your legal liability for accidental bodily injury to any third party. Or accidental damage to any third party property which arises from your use or ownership of musical, entertainment, sound or lighting equipment. The total amount payable includes reasonable defence costs and expenses incurred by you. The excess on this section is £250 for damage to third party property. There is no excess for third party injury.
Professional Indemnity: Ensures that your legal position is protected against any claims made against you arising from a negligent error or mistakes in the advice or services you provide to a customer or client.
Insurance for musicians is becoming a necessity. Here’s a few reasons you should also be considering it.
Six reasons Insure4Music will help keep you playing
When it comes to music we know there’s not much that will stand in the way of you playing. Our policies have been built around the needs of musicians. Whether you play the violin at home, you play in a band, you DJ, sing at venues or teach music there are six main reasons to protect yourself with a policy from Insure4Music.
Lots of musicians tell us that the biggest risk to them is when they leave the house to perform or practice. If you’re leaving your instrument overnight in a car or van, transporting it between your home and where you play or just storing it overnight in a venue, then you’re taking a risk without insurance. Thieves are savvy and they know how much you’ve spent on your kit. Plus most instruments can’t be traced to their owners so they’re easy to sell online or at auctions. Get peace of mind today with policies starting from just £25 a year.
Many household policies now exclude musical instruments
Many household policies now exclude musical instruments. This means that you will have to specifically request that your instrument is added to your policy, which will often significantly increase your premium by more than the cost of a specialist music insurance policy. And you could also lose your no claims bonus on your home insurance if you make a claim. Plus, your instrument won’t be covered when you take it out of your home.
We all like to think that we take care of our instruments and equipment, but accidents do happen. If you drop and damage your saxophone, break a guitar pedal or your amp explodes then it can be costly to replace or fix. With our policies the cost is covered and we’ll even replace new for old if the item is less than 3 years old for instruments or 18 months for laptops and they were bought new.
Any musician who plays live should have Public Liability insurance. If you’re a singer, DJ or band you’re probably already aware of this as most places you play will ask to see proof of your cover. This insures you in case you injure someone else, or cause damage to a venue when playing. We’ll provide evidence of cover with your policy so it’s easy to show you have this.
If you teach others to play, then like any other teacher you should take out insurance. Professional Indemnity cover comes as standard with our Public Liability option and will cover you against any claims made against you for negligent advice. Also, if a music student injures themselves whilst you are teaching them or damages someone else’s property, then Public Liability is also included under Public Liability and this covers you up to £5 million.