Musician Insurance

Musician Insurance

Customized music liability insurance protects musicians, bands, and musical artists from the risks they face.

Zensurance - Musician Insurance

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Music Band Insurance

Insurance for musicians

Professional musicians, bands, and musical artists of all genres make the world sing and dance, but like professionals in other industries, musicians also face various liability risks.

From copyright infringement claims, contract disputes, and tax liabilities to risks of third-party bodily injuries or property damage and theft of or damage to music equipment, a musician’s financial welfare can quickly fall out of tune without a comprehensive music liability insurance policy to protect them.

A customized music liability insurance policy includes several types of coverage to safeguard the finances and reputations of musicians, bands, and musical performers. 

It is designed to protect musicians from various liability risks they may encounter. It can provide financial protection if a musician is held legally responsible for accidents, injuries, or damages during performances, rehearsals, or other music-related events.

A comprehensive music pro insurance policy may include the following types of coverages:

  • Commercial General Liability (CGL) Insurance: Also known as general liability insurance, CGL covers musicians and bands against third-party bodily or property damage claims during live performances, rehearsals, and studio sessions as part of your daily operations. For instance, if an audience member is injured by something you do during a live show, CGL may cover their medical expenses and lost wages.
  • Commercial Property Insurance: Commercial property insurance protects you from damages to your rehearsal studio or music equipment storage space and its contents, furnishings, and inventory because of fire, water damage, a natural disaster, theft, or vandalism.
  • Professional Liability Insurance: Also known as errors and omissions (E&O) insurance or professional indemnity insurance, professional liability insurance protects musicians and bands from professional negligence claims. It covers your professional services because of contract disputes, allegations of copyright infringement, breach of contract, mistakes, misconduct, and defamation.
  • Product Liability Insurance: If you sell, distribute, or manufacture vinyl records, compact discs, audio cassettes, t-shirts, and other items, it’s wise to include product liability coverage in your policy to cover you for third-party bodily injury or property damage claims caused by those goods. It’s often included in general liability insurance, but you can add it as an endorsement or rider to up your protection if it isn’t.
  • Music Equipment Insurance: Your transportable musical instruments and equipment, such as amplifiers, music stands, and microphones, are vital for producing the sounds you do. Music equipment insurance is designed to repair or replace them if lost, stolen, vandalized, or damaged by water or fire.
  • Cyber Liability Insurance: If you or your band have a website, use email, social media channels, or have a point-of-sale (POS) system to sell albums and other branded items, you need cyber liability insurance.It covers costs associated with cybercrime, cyber-attacks, and data breaches compromising your customers’ confidential information. It includes coverage for software restoration of affected systems, crisis management expenses, and notification and credit monitoring fees.
  • Legal Expense Insurance: If you need legal advice or need to retain an experienced lawyer to help deal with things like reviewing contracts, appealing Canada Revenue Agency audits, debt recovery, and contract disputes, legal expense insurance is a low-cost add-on to your policy to seek legal counsel. Legal expense insurance costs significantly less than paying out of pocket to hire a lawyer.

Insurance providers consider several factors when calculating the cost of your musician liability insurance policy. Those factors include:

  • Your location
  • Years of experience as a professional musician
  • The services you provide and where you perform
  • The value of your musical instruments and equipment
  • Your annual and projected gross revenue
  • Your insurance claim history

Getting insured is quick and easy!

Complete our 5-minute online application for a free music liability insurance quote.

Common claims scenarios

Band Liability - Disagreement

Problem: A disagreement between your record label and band erupts, leading to a contract dispute. The record label threatens you with legal action.

Outcome: Your professional liability insurance may cover the cost of settling with the record label and provide you with funds for your legal defence.

Music Copyright Claim

Problem: You’re accused of using copyrighted material in a recording without permission from another artist or record label. The owner of the work sues you for copyright infringement.

Outcome: Your professional liability insurance may cover your legal expenses and any judgments against you ordered by a court of law.

Music Studio

Problem: A fire ignites overnight in your rehearsal studio, severely damaging the space and your musical instruments and equipment.

Outcome: Your commercial property insurance may pay to repair the fire and smoke damage to the studio and repair or replace the damaged instruments and equipment.

Frequently asked questions

Are there exclusions in musician liability insurance?

Yes. Exclusions are common in all liability insurance policies. Common exclusions in a musician insurance policy may include intentional acts, contractual liabilities not expressly covered, and claims related to certain high-risk activities. Speak to a licensed Zensurance broker if you have questions about your policy’s coverages and exclusions.

Are Canadian musicians who perform internationally covered by musician liability insurance?

Yes. Some insurance policies cover musicians who perform internationally. However, the extent of coverage may vary, so it’s essential to check with a Zensurance broker about the geographical scope of your policy.

As an independent musician, do I still need musician liability insurance if I perform in small venues or at local events?

Yes. Indie bands and musicians who perform in small venues or at local events can experience accidents and liability claims in any setting. Insurance provides protection and peace of mind, regardless of the scale of your performances.

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Ready to start? Let’s get a quote!

Don’t miss a beat when protecting your finances and music career. Get a customized musicians insurance policy from Zensurance.

Fill out our online application for a free quote. Our friendly brokers will shop our partner network of over 50 insurance providers to get the low-cost policy you require and customize it to suit your needs so you stay in complete harmony.