Insurance designed to suit your needs

Key features

Are you and your band making a name for yourselves on the local music scene? Perhaps you’ve started to get regular party bookings as a DJ? Our cover takes care of each section of the orchestra, as well as the members in your four-piece band. If music is your passion, but maybe not your primary source of income, we can still make sure that you and your equipment are looked after while you're performing. Have a look at our policy features below and see what we can offer you.

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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

We understand that music can take you anywhere. So, with our optional extras we won't stop you from taking your music with you wherever you go. By choosing our Global Travel cover, you can receive protection against theft and accidental damage, as well as Mechanical Breakdown cover for your guitars or DJ decks. If you're worried about whether your instruments will survive the trip, then our cover also includes up to £300 to cover damage caused to your purpose-built equipment case while you travel. If you're going to be performing in public, then you might even want to check out our Public Liability extension, which can provide up to £5million to cover claims of injury or damage to a third party made against you. So, why not turn the volume up on your cover 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 music insurance cover?

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

Do I need Public Liability insurance before I start playing gigs?

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 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.

Does home insurance cover my music equipment and gear?

Your home insurance policy may cover your musical instruments, but you could also find that your cover is excluded or limited to a certain sum insured; or where and when your instruments can be covered. For example, cover outside of the home can be excluded, as well as cover for instruments in your vehicle or using them whilst performing. Please check with your home insurance provider about their cover and limits.

Our specialist insurance for musical instruments and equipment means that as a musician, you get a cover that suits you and can cover you outside of your home.

Do you cover business insurance?

If you’re a musician who performs for a living – whether that’s part-time or full-time - 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 to make 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.