Musician Liability Insurance

Yes! Musician’s insurance is designed to protect you in the event you are 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. Claims can arise from guests, venues, vendors, or other participants.

You may also be named in claims against the venue and may not be extended coverage under their policy, which is why you need a music liability insurance policy. This is also why many venues will require that you add them to your policy as an additional insured—to protect them from your liability.

Absolutely! You can add Equipment and Gear coverage to an annual policy. This extends insurance coverage to your musical instruments and other gear if they are stolen or damaged.

You can add instrument and equipment coverage to your policy during the application process. If you already have an Insurance Canopy policy, simply go to your dashboard and add the Equipment and Gear coverage for a low monthly cost. There are two options to choose from:

• $2,000 coverage per policy year (+$6.00 per month)
• $5,000 coverage per policy year (+$12.50 per month)

You can select the amount you need to reimburse your instruments or equipment in the case of damage or theft. This coverage follows you no matter where you are performing!

Professional musician insurance is designed to cover third-party claims against you or your group. These are instances where you caused damage to someone else’s property (including venues) or injured someone due to negligence and include situations such as:

• An audience member hurts themselves at one of your shows and sues you, claiming there were too many people in the venue.
• While transporting your keyboard into a venue, it bumps against the wall leaving a large hole that the venue holds you responsible for repairing.
• One of the employees at the venue trips over your amp and injures themselves, then sues you to pay their medical fees.

Our policy is designed to cover solo artists or bands and music groups of up to ten people. In addition to general liability, you can add instrument and gear coverage, list third parties as additional insureds, and more.

An additional insured is a third party that you add to your policy who enjoys the same protection under your policy as you do. In other words, if someone sues you and names the third party in the suit, your coverage can extend to them. For many musicians, additional insureds include venues or events they perform at.

You can add an additional insured during the checkout process or any time afterward through your dashboard, for free.

You should only add additional insureds to your policy if required. Additional insured status protects third parties named in suits because of property damage or third-party injuries arising out of your work as a musician. Also, additional insureds cannot be you, your employees or bandmates, volunteers, family members, etc.

A certificate of insurance (COI) is a document insurance companies provide to verify you have an insurance policy with them. It outlines the coverage and limits of your policy and identifies any third parties named as additional insureds. There are two types of certificates you can download from your dashboard:

1. Proof of Insurance: This document is your “proof” that a certificate is issued to you, certifying coverage under a general liability master policy. It lists the limits of your coverage, additional options you added to your policy, and the effective and expiration dates.
2. Certificate for Additional Insureds: If you have added a venue, employer, or location as an additional insured, you can download a certificate of additional insureds. It lists details of your policy, including coverage limits, but also lists the names and addresses of the additional insureds.

Yes! Those who perform at weddings are covered under a musicians’ insurance policy. You can purchase event coverage for events lasting up to three days or get an annual policy for coverage to protect your gigs year-round. Depending on how many weddings you perform at, the annual coverage may be the better option for purchase.

Are you a wedding DJ? Purchase DJ insurance coverage instead.