Insurance designed to suit your needs

Key features

If making music is how you earn a living, we know that the safety of your equipment is paramount. We understand that any damage to your instruments is more than just an inconvenience and may have wider implications for your work life. With our insurance, we aim to get you either back on stage or in the studio as soon as possible. Your work may even take you overseas to perform at concerts or gigs, so that’s why our policy features can provide you with cover whether you’re travelling abroad or staying closer to home.

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Public Liability

Accidents can happen, especially if you’re a performing musician. That’s why we will protect you against third party damage or injury claims. 


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Instrument & Equipment Cover

Our cover goes beyond standard theft and accidental damage and includes vandalism, attempted theft and even fire damage in the UK and abroad (up to 30 days). Security requirements apply.

Equipment Hire

Making a claim with us and still need an instrument? It’s covered as part of our claims service, up to £2,000 of equipment hire available if you need it.

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In-Vehicle Cover

Keep your equipment safe when you're on the road. Our policy automatically includes in-vehicle cover and up to £300 in vehicle damage costs in the event of a theft. Storage and vehicle security requirements apply.

New for Old Cover

No value depreciation on your instrument and equipment when you use our approved claims service, which are all handled by our own claims team – so no outsourcing to a third party. Evidence of ownership needed if you make a claim.

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Loss of Earnings

Had an accident resulting in a personal injury that's keeping you from performing? You shouldn't have to be out of pocket. We can offer up to £800 to cover the loss of your earnings.

Our optional extras

If making music is how you earn a living, we know that protecting your equipment is paramount. Our optional extras are designed to cover musicians while they perform across the world, so that you can take to the stage worry-free. Our Global Travel option allows you to benefit from worldwide cover against theft and accidental damage to your instrument, as well as protection against mechanical breakdown and third party liability claims. If your work means that you'll be performing in public, then you can even extend your Public Liability cover to up to £5million to defend against third-party damage and injury claims made against you. So, if you've got a string of performances lined up, then why run the risk of not having the right protection? Take a look at our extended covers below and get a quote from us today.

Global Travel

Global Travel

30 days travel cover not enough? If you’ve got a string of gigs lined up then you can extend your policy to include 365 days of global travel cover.


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Public Liability

£5m Public Liability

Option to increase your Public Liability cover up to £5million. You can also extend your insurance to include up to 4 additional band members.


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Extended Mechanical Breakdown

Mechanical Breakdown

It’s frustrating when your equipment breaks outside of its warranty. Our Mechanical Breakdown option can cover faulty kit that's up to 5 years old.

What does insurance for professional musicians cover?

Want to find out even more about our cover? If you're a professional musician and you're wondering about what's included, then we've answered a few questions for you below.

Do I need Public Liability insurance to perform in public?

Many venue owners may require musicians to have Public Liability insurance before they can play gigs, which is why we automatically provide you with up to £1million worth of Public Liability cover. Subject to the terms and conditions of the policy, this can cover potential costs incurred in the event of someone taking you to court for damages you have caused to their property or even an injury to a third-party, whilst going about your musical activity.

What is Public Liability insurance for professional musicians?

Public Liability insurance can protect musicians against potential costs for third-party claims made against you if you injure someone or damage their property whilst performing or going about your musical activity.

For example, if your equipment was to fall and injure a member of the audience, then you may be liable to claims from the injured party. With Public Liability insurance for musicians, subject to the terms and conditions of the policy, your cover can protect you against the costs of these claims. We offer up to £1million in Public Liability insurance as standard and you can also choose to increase this to cover yourself and up to four band members with our £5million Public Liability option.

Do you cover business insurance?

If you’re a professional musician, then we can offer insurance to cover your business. We can provide up to £800 to cover the loss of pre-booked music-related earnings, if you’ve suffered an accident that’s keeping you from performing.

The maximum period that we shall pay for is 42 days from the date of the accident. Proof of booking is needed when making a claim for loss of earnings.

For more information on our Loss of Earnings cover, please visit our FAQs page.

Recent posts

We know that music is for everyone. It doesn't matter whether you’re a professional musician, a part-time performer or someone who plays purely for their own enjoyment, we want to help make you the best musician you can be. Our articles section provides tips, hints and in-depth guides to help perfect your technique and hone your skills. Have a read and you’ll see that we make all the right noises when it comes to music.