Band Liability Insurance
Short-Term Event and Annual Insurance for Bands
Annual and Event Policies available
Why Insurance Canopy for Band Insurance?
We provide affordable “A+ Rated” general liability insurance for bands and performing groups with an easy online application process that takes just a few minutes to complete. Our policy can be purchased at any point before a show or event. Whether you’re a wedding band looking for liability insurance or a local group providing a fun Friday night, Insurance Canopy is your go-to source for insurance.
Save
Need band insurance? Buy our affordable general liability insurance without missing a beat.
Protect
Insurance Canopy provides bands with public liability insurance from an “A+ Rated” carrier. As a band, liability insurance gives you the protection you need to keep your show on the road.
Perform
Most event administrators and venue owners require a general liability policy for bands to perform. Buy online in minutes so you can stay focused on your performance.
What Is Band Insurance?
Band insurance is liability insurance coverage designed to protect your band from the costs associated with claims. Claims can arise from your performance or operations during an event. For example, if a patron injures themselves by tripping over your equipment or you damage a venue, band event insurance could help cover the costs of these claims. These claims can get costly real fast and the last thing you want to worry about is paying defense costs because someone got hurt while you’re performing.
Band liability insurance provides coverage for your general and public liability needs.
Why Should You Carry Band Insurance?
When you’re an entertainer you understand the need for props, good lighting, and a rested voice. These things can bring your booked gig together perfectly. Protect your performances with band insurance and gain peace of mind as you rock out and put on a great show.
In addition, band insurance can provide a few perks for your band.
- Having liability insurance pegs you as a serious professional.
- Clients or venue owners may require you to show proof of insurance before hiring you.
- Liability insurance gives you a layer of defense against claims such as bodily injury or property damage.
- Club or venue owners may require you to add them as an additional insured.
- Claims against you can be financially crippling. With band insurance, you can enjoy financial peace of mind as you perform.
How Much Is Band Insurance?
A basic 1-3 day General Liability insurance policy starts at $59 and an Annual policy starts at $199 per year. Monthly payments are available after a 25% down payment. This price can vary depending on how many members are in your band. Our policies cover up to 10 members in a band. To add band members to the policy, simply list your band member’s names on your application and they will be insured under the policy.
You're In Good Company With Insurance Canopy
Here's what some of our over 14,700 customers have to say about their experience.
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Being 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, 2024Best customer service I have ever had in regards to insurance.
Edward Findley
November 5, 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 -
Great to work with. Always available for assistance.
Courtney Araneo
November 3, 2024Super easy and convenient. Just renewed, thanks.
Wendy Berg
November 3, 2024Canopy insurance has been great for my business. Definitely a five star definitely recommend it..
Fernando Ferreira
October 12, 2024 -
Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.
Jacob Smith
October 7, 2024Rey was amazing. So easy! So fast!
Herman Koch
September 30, 2024Always 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, 2024 -
She is positive and friendly !
Alan Dynin
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, 2024Affordable plan and very easy to access when I need it
Angela Lobianco
July 13, 2024 -
Always easy to use! Thank you!
CahillandDelene
July 12, 2024Great company with a courteous staff. Website is smooth and navigable with many options for all different kinds of fitness professionals. Best insurance options as well
Rich Bonifazio
July 12, 2024I have been associated with this company for 3 years. They would have deserved no more than 1-2 stars at the time. They have progressively leveled up their customer service... Read More
Angela Fischetti
July 12, 2024 -
Thank you so much for the wonderful service. It is alway so easy to renew my policy each year!
Jamilyn Boze
July 5, 2024Always done very well for us. Highly recommended.
Kenny Casanova
July 5, 2024Nothing but positive things to say. Great company, have used them for years.
Brandon Kennedy
July 5, 2024 -
I think this is the third year in a row that I continue to carry my independent contractor insurance through Insurance Canopy. They make it easy for me, and alert... Read More
susanf
July 5, 2024quick and easy to sign up and did not break the bank!!
Michael “Michael”
April 8, 2024Received many quotes that were multiple times more expensive. Needed something fast, easy and inexpensive for a high needs client. Customer had what they needed 5 minutes after... Read More
Robert Caudle
April 7, 2024 -
Easy to apply online, it take 5 mins and get your provf of Insurance.
Francesca Wine
April 6, 2024I had shopped a few websites including my home/auto policy holder and was not satisfied with their inability to insure me. Other sites wanted ridiculous down payments and one time... Read More
Lucia Boroczk
April 4, 2024Just the insurance I needed. I wish the website would allow me to share pages!
Ellen Brodsky
April 2, 2024 -
This insurance fits my needs as a yoga instructor with a small studio at a reasonable price.
Hillary Blackton
April 2, 2024It was fast and easy.
Vincent Cabello
March 31, 2024Chat support is terrific. I have chatted multiple times and each time the support team is very prompt, customer focused and knows the answers. The policy website is also very... Read More
Patrick McElhaney
March 27, 2024 -
Process was easy. Relevant information accessible. Platform is very user friendly.
Carolina Santos
March 26, 2024I've been using Canopy for all my businesses. Always responsive, easy to use and the cheapest around. Can't ask for more! - A 10+ note from a happy customer here!
Aaron Copenhaguen
March 26, 2024The agent was awesome, helped me through my application completely, very professional, humble and helpful! I love Canopy’s concept!!! Thanks, Lionel
Lionel Harrison
March 26, 2024
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Being 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 -
Best customer service I have ever had in regards to insurance.
Edward Findley
November 5, 2024 -
This 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 -
Great to work with. Always available for assistance.
Courtney Araneo
November 3, 2024 -
Super easy and convenient. Just renewed, thanks.
Wendy Berg
November 3, 2024 -
Canopy insurance has been great for my business. Definitely a five star definitely recommend it..
Fernando Ferreira
October 12, 2024 -
Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.
Jacob Smith
October 7, 2024 -
Rey 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, 2024 -
Excellent 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, 2024
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
$10 for Annual and Event
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
Still doing your research?
Have a question for us?
Annual Band Insurance vs. Event Policy?
With both an annual and event policy available, it’s important you select the right plan for your band. Let’s break down the differences to help you choose the best coverage option.
Annual Band Insurance
From $199 Per Year
- 365 Days of Coverage
- Tools and Equipment Insurance (Inland Marine)
- $2M General Liability
- Easy, Online Application
- Add Up to 10 Band Members
- Monthly Payment Option
Event Band Insurance
From $59
- 1-3 Days of Coverage
- $2M General Liability
- Easy, Online Application
- Instant Certificate of Insurance
- Add Additional Insureds
Easily name the venue or location you are performing at by adding an Additional Insured onto your Event or Annual band insurance policy. You can also add excess liability to meet any insurance requirements outlined in your contract.
Questions About Band Liability Insurance
Do I Need Band Insurance?
Yes. You may say, “I’m just singing, what’s the worst that could happen?” Well, a lot can happen actually. A guest trips over an extension cord and sprains their ankle. They sue you and you’re left with the medical bills. Or, the venue that booked you requires bands to have insurance in order to perform. Without insurance, you wouldn’t be able to play.
Band insurance is an important component of your business and is designed to protect you should you be sued as a result of your business operations. You could be held liable for claims that include injuries, illnesses, or damages arising from your entertainment services.
What Does Band Insurance Cover?
Band liability insurance protects your band from the financial consequences of claims. Insurance covers third-party bodily injury and property damage claims. It can cover defense costs, medical expenses, or damage to equipment.
We recommend that the higher the number of members in the band, the higher the annual revenue, the amount of gear, and the type of venues you perform at, the higher the coverage limits you should protect your business with.
Does Band Insurance Cover Musical Equipment?
We understand that your musical equipment is an essential part of your band, and that is why you can include Tools and Equipment coverage in your policy. Tools and Equipment coverage can help repair or replace damaged or stolen musical instruments and equipment.
In order to make your policy personalized for your band, we offer different limits of coverage. Equipment Insurance coverage options include
- Up to $2,000 policy year (+ $7.50 per month)
- Up to $5,000 policy year (+$15 / month)
These different coverage amounts are the amounts that your equipment is protected up to.
Are There Any Exclusions Or Limitations In Band Liability Insurance Policies?
Yes. There are some exclusions to your band insurance policy. These exclusions include any show that runs past 2:00 AM, events that have more than 1,000 attendees, fireworks at your show, and more. Listed below are a few more exclusions but if you would like to view the full list of exclusions you can do so while filling out your insurance application or by contacting Insurance Canopy.
Some additional exclusions of band liability insurance include:
- Acrobatic or aerialist performer
- Activist rallies, marches, or literature distribution
- Animals
- Security
- Boat shows on the water
- Bonfires
- Cannabis-related events
- Mosh pits
- Fraternal Events/Venues
- Sorority Events/Venues
Can I Add Additional Insured Parties to My Band Liability Insurance Policy?
Yes. Adding additional insureds is easy and can be done through your user dashboard or when you fill out your insurance application.
An additional insured is any landlord, venue owner, or event organizer who requires you to extend your general liability insurance protection to them.
How Do I File A Claim Under My Band Insurance Policy?
We understand that claims are never fun and are the last thing you want to be doing. So that is why we made filing a claim easier than belting out your favorite song.
File a claim in 5 easy steps.
- Sign in to your user dashboard
- Click “File A Claim”
- Fill out all of the necessary claims information.
- Wait a short intermission to be contacted by a claims adjuster.
- Receive payment for the claim, either to you or to a third party who was involved in the claim.
Can I Purchase Band Insurance If I'm A Solo Musician?
Yes. You don’t have to be in a band in order to protect yourself from the financial consequences of claims. If you are a solo musician you can protect yourself with general liability, products-completed operations, personal and advertising injury, and damage to premises rented to you.
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 covers third-party bodily injury and property damage claims. Instead, a band member’s injury would be covered by a workers’ compensation policy and not General Liability.
Band Liability Insurance
Event Policy: Starting at $59 – Choosing the right bands insurance is critical. You can’t afford mishaps that could put you out of business or put your financial future at risk.
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