Music Teacher Insurance
Affordable coverage for school-based and private practice music teachers and instructors
- For Public and Private Music Teachers
- Manage Your Policy Online 24/7
- Instant Certificate of Insurance (COI)
- No Association Membership Required
- Covered Wherever You Teach
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Affordable Music Teacher Insurance
Music Teacher Insurance Coverage
Coverage types and limits included in liability insurance for music teachers:
The most your policy will pay for bodily injury and property damage claims occurring in the policies term that you become legally obligated to pay due to your business services.
$2,000,000
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover your products that are sold or distributed.
$1,000,000
The amount that your policy will pay for claims arising out of one or more of the following offenses:
– False Arrest, detention or imprisonment
– Malicious prosecution
– Wrongful Eviction or Wrongful Entry
– Oral or written publications that slander or libels a person or organization
– Oral or written publication or material that violates a person’s right of privacy
– The use of another’s advertising idea in your advertisement
Included
The maximum amount paid per incident during the term of the policy.
$1,000,000
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$300,000
Included
Optional Add-Ons
What Is Music Teacher Insurance?
Why Do Music Teachers Need Liability Insurance?
Liability insurance can keep your music teaching business afloat if you get hit with a costly claim. Plus, some schools or organizations you could work for may require you to have insurance and ask to be an additional insured to protect them from any mistakes you make.
Whether or not you’re required to carry insurance, it’s a great way to demonstrate professionalism to your clients and protect your business and finances if something goes wrong.
How Much Is Music Teacher Liability Insurance?
The starting price for liability insurance for music teachers is $21.08 per month or $229 per year, which includes general and professional liability coverage.
The cost of your premium can increase depending on which state you do business in or if you added optional coverages during checkout, such as cyber liability or equipment and instrument insurance.
Learn more about music teacher insurance cost.
What Are the Risks of Being a Music Teacher?
Because you work with other people and expensive equipment, you face risks that could lead to costly claims. Below are a few examples of the dangers music teachers face:
- While lugging your tuba into the classroom, the bulky case bangs into the wall and creates a giant hole. The school holds you responsible for repairs.
- One of the students who takes piano lessons from you trips over some cords on the floor at your house and injures themselves. They sue you to cover the cost of their medical bills.
- As your student is walking out of your music studio, they accidentally knock one of your guitars off of its stand and it breaks. Now you have to purchase a new guitar to replace it.
Incidents like these are scary and can be costly. But liability insurance can provide a financial safety net so you don’t have to fret if something goes wrong.
What Types of Insurance Do Music Teachers Need?
To properly shield your business and finances from common claims, you need the following coverages:
- General Liability
- Professional Liability (aka Errors and Omissions)
- Products-Completed Operations
- Damage to Premises Rented to You
- Personal and Advertising Injury
Our private music teacher insurance shields your livelihood with the above coverages included in the base policy. But, if you need extra coverage, we make it super easy to compose the perfect policy with add-ons, like:
- Cyber Liability (Data Breach Coverage)
- Inland Marine (Equipment and Instrument)
- Additional Insureds
What Is Musical Equipment and Instrument Insurance?
Equipment and instrument insurance for music teachers is there to help cover the cost of stolen or damaged instruments, equipment, and other teaching materials.
It’s no secret that instruments aren’t cheap, so the last thing you need is to be faced with paying hundreds—or even thousands—of dollars to replace one. For just $2.17 a month, you can add equipment and gear coverage to your policy and receive up to $4,000 per coverage year.
What’s Covered in Music Teacher Insurance?
General Liability Coverage
General liability insurance protects you from the cost of third-party bodily injury and property damage claims.
Picture this: Your student trips over a guitar stand at your house and injures themselves. The next thing you know, they’re suing you to pay for their medical bills.
Your general liability coverage could respond to this claim and help cover some, if not all, of the cost.
Professional Liability Coverage (aka Errors and Omissions)
Protect yourself from the cost of claims that result from the advice and coaching you give as part of teaching music.
If you were teaching someone piano lessons to help them get into a music program at a university, but they aren’t accepted, they might sue you and accuse you of failing to instruct them properly.
That’s where professional liability coverage comes in. It can protect you from claims like this and others relating to your professional services.
Products-Completed Operations Coverage
One of your former students sues you because they claim the way you taught them to hold their instrument caused them to develop carpal tunnel.
Products-completed operations coverage could respond to a claim like this and shield you from paying for legal defense or settlement fees out of pocket.
Cyber Liability Coverage
Cyber attacks and data breaches are unfortunate realities that could happen to your business.
You need cyber liability coverage if you keep your clients’ payment methods, full names, date of birth, or other personal data on a computer, smartphone, point of sale device, and so on. This policy can protect you if sensitive customer information falls into the wrong hands.
Damage to Premises Rented to You
If you rent a space to teach music lessons, such as a studio or classroom, you can be held financially responsible for any damage you cause to that space while teaching there.
This coverage can respond to claims like this and help pay to replace or repair whatever was damaged.
Personal and Advertising Injury
Let’s say a private school contracts you to teach there. You have a terrible experience there and decide to post a bad review about them. This school can sue you for libel or slander.
In this scenario, personal and advertising injury insurance can cover attorney and settlement fees, if necessary.
Equipment and Materials Coverage (Inland Marine)
If your instruments and teaching equipment are damaged or stolen, they can be expensive to replace or repair. Equipment and instrument coverage (aka Inland Marine or Business Personal Property coverage) protects your investment.
If a student knocks over and breaks your keyboard during a lesson, replacing it could cost you hundreds of dollars. Adding equipment and gear coverage to your policy can shield you from paying entirely out of pocket if this happens to you.
Additional Insureds
Additional insureds are people or organizations your policy doesn’t automatically insure but who you might add by request. For example, the private school that hires you as an independent contractor might ask you to add them to your policy to protect them from any mistakes you make while teaching there.
You can add unlimited additional insureds to your Insurance Canopy policy at no charge. Add them during checkout or any time afterward from the convenience of your user dashboard.
Insurance Can Save You Thousands
A parent visited a music studio, slipped on a wet floor, and injured their back. $100,000
Music teacher knocked over a vase at a student’s home. $5,000
Student tripped over an amplifier power cord and broke their arm. Their parents sued the teacher. $20,000
Get covered instantly.
A student claimed their music teacher didn’t prepare them for an audition and sued. $10,000
Music teacher provided incorrect info about a music theory exam. After failing the test, the student sued. $2,000
Why Choose Insurance Canopy?
Insurance Canopy offers high-quality and affordable music teacher liability insurance with a hassle-free online application.
We believe in getting you the perfect policy with the coverage you need, which is why our U.S.-based licensed insurance agents don’t work on commission—they’re not here to sell you any coverage you don’t need. We also rock an A+ rating from AM Best, which is like having perfect pitch in the insurance world.
- Quick online checkout process
- Instant Certificate of Insurance (COI)
- Customizable policies to suit your unique needs
- 24/7 access to your policy documents
- Free and unlimited additional insureds
You're In Good Company With Insurance Canopy
Over 36,000 professionals, including music teachers, trust Insurance Canopy for their liability insurance. See what our customers have to say about us!
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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
Have Questions About Music Teacher Insurance? We’re On It.
Does My Insurance Cover My Instruments and Equipment?
If you opt into equipment and instrument insurance (also called “Inland Marine”), your instruments, equipment, and teaching materials can be covered if they get stolen or damaged while you teach.
This add-on coverage is available for just $2.17 per month and offers up to $4,000 per policy year—an amazing deal considering the hundreds or thousands of dollars you spend on instruments and other gear.
Why Do Private Music Teachers Need Liability Insurance?
Private music teachers need insurance to protect their finances and reputation. If you get hit with an expensive claim, your liability insurance policy could help pay for some, if not all, of it. Compare that with spending thousands of dollars out of pocket and it’s clear why insurance is a must-have for private music teachers.
Plus, a claim like this could make you look unprofessional if it makes you shut down your business temporarily or permanently. If you’re insured and your policy covers the claim, you look prepared and responsible to clients, which can benefit your business.
If the School I Work at Has Liability Insurance, Do I Still Need a Policy?
Yes, you do! The school’s policy covers them for any mistakes they’re deemed responsible for, but not for any you make. Also, their policy may only extend to you when you’re on their property.
For example, if you met up with a student off school premises for private music lessons and they injured themselves on your gear, your school’s policy wouldn’t respond to that claim. Since it didn’t happen on school property, you’d need your own liability insurance to cover the damages.
Do I Have to Join an Association to Get Music Teacher Insurance?
How Much Does Music Teacher Insurance Cost?
Music Instructor Insurance
Protect Your Instruments — Don’t skip a beat! Insurance Canopy’s music teacher insurance is in tune with your needs. Fill out our 100% online, 10-minute application. Get top-rated coverage starting at $21.08/month and add equipment and instrument coverage to your policy for an extra $2.17/month.
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