Musician Liability Insurance
Insurance for Individual Musicians
Why Insurance Canopy for Musician's Insurance?
We cover you while you play your tunes. Purchase 24/7, customize your coverage, and check out in minutes. Choose between affordable annual or event insurance for musicians, get instant proof of insurance, and purchase additional insureds at any time from your dashboard.
Save
Need musician insurance? Our affordable General Liability coverage hits all the right notes.
Protect
This policy is backed by an A+ Rated carrier, giving you the protection you need to keep your show on the road.
Perform
Buy musicians’ insurance to meet venue requirements, add Additional Insureds, and more in 10 minutes or less so you can stay focused on your gigs.
What is Music Liability Insurance?
Musician’s insurance covers claims that may arise from your performance or operations during an event. For example, if a club patron injures themselves by tripping over your equipment or you damage a venue, musician’s insurance can cover the costs of these claims. Some types of events where musicians insurance is recommended are:
- Weddings
- Corporate events
- Live music gigs at bars and restaurants
- Recording studio sessions
- Parties
- Fairs
- Festivals
- Farmers markets
Our professional musician insurance offers coverage for solo artists, and we also have band insurance coverage tailored to meet venue requirements (including the ability to add additional insureds from your dashboard). We make protecting your business easy so you can focus on the music.
Why Do Musicians Need Insurance?
You may be thinking, “I’m just playing music. Why would I need insurance?” Insurance may not be the first thing that comes to mind when you’re booking gigs, but here are a few reasons why musicians need public liability insurance:
- To position yourself as a serious music professional.
- To book gigs—clients and venue owners will usually require you to show proof of insurance and may request to be added to your policy as an additional insured.
- To protect the future of your business. Insurance gives you a layer of defense against third-party claims of bodily injury or property damage.
- To enjoy financial peace of mind.
How Much Does Musicians Insurance Cost?
Musicians insurance costs as little as $199 annually or $59 per event. With Insurance Canopy, you’ll pay just $18.50 per month (or $199 annually) for year-round coverage. Annual policies are best for musicians who perform at events or venues throughout the year and need consistent coverage. You’ll also need an annual plan to add instrument and equipment coverage.
If you only need short-term coverage, we offer music event insurance that provides up to three days of coverage for as low as $59. While your event may only last for one day, our policy ensures you are protected if you need a day to set up or take down your equipment at the venue.
Some venues require you to list them as an additional insured. Additional insureds can be added to your policy free of charge, right from your dashboard.
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
You're In Good Company With Insurance Canopy
Here's what some of our over 14,700 customers 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
Frequently Asked Questions (FAQs) About Musicians Insurance
Do Musicians Need 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.
Can I Insure My Musical Instruments?
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!
What Is Covered Under a Musicians’ Insurance Policy?
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.
What is an Additional Insured and How Do I Add One?
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.
What Is a Certificate of Insurance (COI) for Musicians?
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:
- 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.
- 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.
When Can I Receive a Certificate of Insurance?
You can easily download your Certificate of Insurance after checkout. It will be available in your customer dashboard along with other helpful items that can be downloaded as PDFs. Simply visit the dashboard and click “Proof of Insurance.”
Are Wedding Musicians Covered Under Musicians Insurance?
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.
Musicians Liability Insurance
Choosing the right music liability 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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