Band Insurance
Certified-gold band liability insurance
4.7/5 on
Why Insurance Canopy for Band Insurance?
We provide A+ rated liability insurance for bands and musical groups like you — whether you need coverage this weekend, for wedding season, or all year.
Save
Our liability insurance for bands is affordable and customizable, so you get the coverage you need without missing a beat.
Protect
Insurance Canopy’s band liability insurance protects you from paying for costly claims out of the band’s hard-earned tip jar.
Perform
Our general liability policy for bands meets most event and venue requirements, so you can stay focused on your music.
What Is Band Insurance?
Band insurance is designed to protect you from the costs of liability claims and lawsuits related to your performances, advertisements, and more. It acts as a financial safety net in the event of accidental injuries or property damage involving your audience, venue, or merch.
For example, imagine an audience member trips over one of your extension cords and breaks a wrist, or you accidentally scratch a venue’s wall while setting up your amps.
Band liability insurance can also help pay defense costs if you’re accused of copyright infringement or defamation.
Why Should You Carry Band Insurance?
You can’t predict when something will go wrong, and you’re never too “small-time” to avoid liability claims. Additional reasons to make sure your band has insurance coverage:
- Venues and event organizers often require you to show proof of insurance before hiring you or allowing you to perform on their property
- Venues or club owners may require you to add them as an additional insured on your policy
- Claims against you can quickly become financially crippling without insurance
- Liability insurance demonstrates you’re a serious professional
- Annual band policies with Insurance Canopy allow you to opt-in to additional coverages, like equipment coverage, which can help pay for the repair or replacement of damaged instruments and other gear
How Much Is Band Liability Insurance?
Annual policies start at $199 per year, or $18.50 per month. Our policies cover groups up to 10 members. Premiums may vary depending on the number of members in your band, but regardless if you have three members or 10, it’s still less than $15 per month per person!
Annual policies also allow you to add optional coverages including:
- Equipment and gear coverage (also known as inland marine) from +$7.50/month
- Cyber liability coverage for +$8.25/month
- Excess liability coverage +$29.17/month
- Additional insureds (unlimited) +$10
Band event insurance policies cost $59 per month and cover up to three days. Equipment, cyber, and excess liability coverages are not available on event policies. However, you can still add unlimited additional insureds to your event policy for just $10.
Insurance Canopy’s Greatest Hits
See what some of our 14,700+ rockstars have to say about their experience.
-
TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.
February 4, 2025Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed Levitt
February 3, 2025As a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More
Kristie Williams
January 30, 2025 -
This insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.
Tony Felix
January 23, 2025Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John B
January 16, 2025I’m very happy with my purchase of liability insurance for a one-off event. I was even able to edit the policy after it had been issued with the help of... Read More
jay gedeon
January 6, 2025 -
Super easy to use and great service; I had a little error from my part and needed to correct it customer service was super helpful they guided me through the... Read More
Ana Zavala
January 6, 2025I needed some liability insurance for my business. The team at Insurance Canopy had great recommendations and the insurance was reasonable for the coverage. Web site and process... Read More
Susan Tedesco
January 6, 2025Great coverage, excellent price, terrific customer service. I checked out a lot of different carriers and they had the best reputation and coverage. Since most venues require insurance, it was... Read More
Steve Bryant
January 6, 2025 -
Was waiting for two other insurance companies to get back to me for over 2 1/2 weeks and losing money every day. Sitting here, frustrated I asked ChatGPT what... Read More
Chad Laibly
January 6, 2025Great and affordable insurance
Peter DAntoni
December 6, 2024Being a caricaturist, I never understood why I needed liability insurance, but it got to that point where I was missing opportunities because of it. So, I researched a bit... Read More
Paul McNeilly
November 12, 2024 -
I’m just saying that is easy to get the vendors insurance with this company
Silvia Delgado
November 6, 2024Definitely a great asset to my business, I have never had a problem getting what I need from IC. Good communication skills, always get help from the agents, attenuative on... Read More
Robert Avila
November 6, 2024Your site was extremely easy to use, I was able to get my event insured for what the event planners wanted. The price was so affordable. Even chatting... Read More
Rebecca Ruby
November 6, 2024 -
Quick easy sign-up convince is great
Vincent Davanzo
November 6, 2024Great to work with. Always available for assistance.
Two Pour Girls Bartending
November 6, 2024Best customer service I have ever had in regards to insurance.
Edward Findley
November 5, 2024 -
Super easy and convenient. Just renewed, thanks.
Wendy Berg
November 3, 2024Great to work with. Always available for assistance.
Courtney Araneo
November 3, 2024This is only the second year I have had this insurance. Haven't had to use it. But it's nice to know i have it. The price is great too
Vickie Sundgren
November 3, 2024 -
Canopy insurance has been great for my business. Definitely a five star definitely recommend it..
Fernando Ferreira
October 12, 2024Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.
Jacob Smith Jr
October 7, 2024Rey was amazing. So easy! So fast!
Herman Koch
September 30, 2024 -
Always treated well. They take care of my business insurance and I don’t have to worry about anything with insurance canopy in my corner. 10 year customer.
Mark Paquin
September 14, 2024Excellent rates and coverage! Did a lot of homework before going with Insurance Canopy, by far the best bang for the buck 🙂
Alana Wyld
September 14, 2024She is positive and friendly !
Alan Dynin
September 14, 2024 -
Had a great experience obtaining a policy quickly for a solo musical act. After a year, modified my policy to a fully staffed production easily using the chat feature of... Read More
Paul Tolle
September 6, 2024I am a professional mobile DJ. I use Insurance Canopy for a policy to cover my equipment and liability. They are easy to do business and the website makes... Read More
Don Kirby
September 6, 2024Best price I have found! Excited to be a customer
Dustin Price
September 6, 2024
-
TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.
February 4, 2025 -
Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed Levitt
February 3, 2025 -
As a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More
Kristie Williams
January 30, 2025 -
This insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.
Tony Felix
January 23, 2025 -
Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John B
January 16, 2025 -
I’m very happy with my purchase of liability insurance for a one-off event. I was even able to edit the policy after it had been issued with the help of... Read More
jay gedeon
January 6, 2025 -
Super easy to use and great service; I had a little error from my part and needed to correct it customer service was super helpful they guided me through the... Read More
Ana Zavala
January 6, 2025 -
I needed some liability insurance for my business. The team at Insurance Canopy had great recommendations and the insurance was reasonable for the coverage. Web site and process... Read More
Susan Tedesco
January 6, 2025 -
Was waiting for two other insurance companies to get back to me for over 2 1/2 weeks and losing money every day. Sitting here, frustrated I asked ChatGPT what... Read More
Chad Laibly
January 6, 2025 -
Great coverage, excellent price, terrific customer service. I checked out a lot of different carriers and they had the best reputation and coverage. Since most venues require insurance, it was... Read More
Steve Bryant
January 6, 2025
Coverage Details Limits
Included
General Liability Aggregate Limit
$2,000,000
Products – Completed Operations Aggregate Limit
$2,000,000
Personal and Advertising Injury Limit
$1,000,000
General Each Occurrence Limit
$1,000,000
Damage to Premises Rented to You Limit (Any One Premises)
$300,000
Medical Expense Limit
$5,000
Unlimited Additional Insureds
Annual – Included
Event- $5
Additional Limits (Annual Only)
Equipment and Gear Coverage
$2,000 policy year
+$7.50/month
$5,000 policy year
+$15/month
Deductible
$250
Excess Liability Coverage ($1,000,000)
+$29.17/month
Cyber Liability Coverage ($100,000)
+$8.25/month
Policy Pricing
Annual Policy – 365 Days Covered
From $18.50/month
Event Policy – 1-3 Days Covered
From $59 per event
Annual Band Policy vs. Band Event Insurance
Here’s a side-by-side summary of our Annual and Event options to help you choose which type of policy is best for you.
Annual Band Insurance
From $18.50 Per Month
- 365 Days of Coverage
- Gear and equipment coverage (optional)
- $2M General liability limit
- Easy, online application
- Immediate coverage
- Add up to 10 band members
- Monthly payment option
- Add unlimited additional insureds
Event Band Insurance
From $59 Per Event
- 3 days of coverage
- $2M general liability limit
- Easy, online application
- Immediate coverage
- Add unlimited additional insureds
Questions About Band Liability Insurance
What Kind of Insurance Does a Band Need?
All music groups need general liability insurance to cover claims related to injuries and property damage to others — like audience members and venues.
Bands should also have:
- Personal and advertising injury coverage for claims like defamation or copyright infringement
- Damage to premises rented to you coverage for accidental damages to recording studios or rehearsal spaces you may use
- Medical expenses coverage for injuries that occur during your performances, regardless of who’s at fault
What Scenarios Could Band Insurance Cover?
Here are some examples of the kinds of claims band insurance can cover:
- Someone trips over your electrical cord, breaks their wrist, and sues you to cover their medical bills
- You accidentally bump into decor at a small dive bar during a show and break it
- Another local artist accuses you of stealing their promo materials
- One of the branded guitar straps you sold at a show snaps the first time a fan tries using it, causing them to drop and crack their instrument
- A venue accuses you of slander after you talked about the owner during a set at another location
- A sudden wind storm blows a tree branch down and crushes your equipment during an outdoor performance
Does a Band Need a COI?
Most venues and event organizers will require you to show a Certificate of Insurance (COI) to prove you have current liability insurance. You also may need to provide your COI as proof that you’ve added the venue as an additional insured on your policy.
Access your COI directly from your user dashboard.
Does Band Insurance Cover Musical Equipment?
Annual band policies with Insurance Canopy allow you to add gear and equipment coverage for your instruments and other essentials. It is not available on event policies.
Equipment insurance options include:
- Up to $2,000 per policy year (+ $7.50/month)
- Up to $5,000 per policy year (+$15/month)
Are There Any Exclusions or Limitations in Band Liability Insurance Policies?
Yes. As with all insurance, some exclusions apply, including shows that run past 2:00 AM or events with more than 1,000 people. A full list of exclusions is provided during the checkout process, or you can contact us for more information.
Can I Purchase Band Insurance if I'm a Solo Musician?
Yes! You can purchase liability insurance as a solo performer. Find out about insurance for musicians and get the coverage you need today!
Does Liability Insurance for Bands Cover Injuries to Band Members?
No, liability insurance does not cover injury to band members, assistants, or staff. Liability insurance specifically covers third-party bodily injury and property damage claims, meaning damage to those other than you and your group.
Band Liability Insurance
Don’t put your financial future at risk or let mishaps keep you from taking your place in the spotlight. Get insurance for your band today.
Related Articles
9 Best Band Business Cards [Examples & Ideas]
You can’t market your music business through digital tools alone. Tangible items also
How To Promote Your Band: 5 Tips & Strategies
Standing out on the music scene is a daunting task, especially for independent
10 Band Name Ideas + Strategies for Making Yours Stand Out
KISS, Maroon 5, Led Zeppelin, Alice In Chains, Death Cab for Cutie, and
