Musician Insurance

Flexible & tailored policies for musicians

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Understanding musician insurance

Effective business insurance cover designed for the musically inclined

As a professional musician you’ll need a reliable business insurance policy that will help you protect yourself and your band from risks associated with your business. You may need to also consider a specific musician insurance policy if you are a specialist musician, if you play large and expensive instruments or you work in many locations.

Whatever your musical speciality, we can help you save time and money on your musicians insurance policy and personalise your business insurance to your requirements. Whether you play solo or are in a band, our policies are designed to be flexible, allowing you to customise a low cost policy exactly how you need it and ensuring you have all of the essential cover in one simple insurance package.

 

 

What your musicians insurance policy includes

 

 

Public Liability insurance for musicans
Public Liability insurance cover provides protection in case someone who works for your business injures or damages a member of the public or their property. If the third party then claims against your business and are awarded damages, your Public Liability insurance would cover the costs including legal fees that may occur in defending a claim. Public Liability Insurance is one of the most common insurance policy elements. Policy covers are available from £1m, £2m, £5m and can be higher upon request and subject to the insurer’s terms and conditions.

Employers Liability cover
Employers Liability insurance is a legal requirement if you employ anyone or pay additional band members on an ad-hoc basis that use your instrumental equipment. An Insurance Octopus standard Employers Liability insurance policy is £10m cover.

All Risk protection
All Risk protection covers your equipment. As a musician, this will cover your items such as instruments, amps, microphones and even your laptop (subject to terms and conditions and policy limits).

 

 

What type of musicians can we cover?

 

 

Our musician insurance is suitable for a wide range of different types of musicians, whether your self employed or have set yourself up as a limited company to perform, we can help arrange your musician insurance cover.

Giving musicians the protection they need so

they can focus on their music.

Why you need Musicians Insurance

As a musician, the last thing you’ll want to worry about is the potential costs incurred if something goes wrong when you’re performing. That’s why it’s important to look to get yourself covered and protect your financial security. In some instances having the correct cover may be required before you can perform for certain clients or certain venues.

Cover as unique as your talents

We’ll endeavour to look at any relevant policy extras to add on to your policy to ensure you maintain a comprehensive level of cover, come what may. And because our cover is bespoke and made for you we make the effort get to know you and your business.

Why choose The Insurance Octopus for Musician Insurance?

We proudly make buying insurance different and our cover comes with a range of benefits.

Up to £5 million of cover

Claims can be expensive, which is why we offer up to £5 million worth of public liability cover for musicians - with more available on request.

Fast specific cover

To help save you both time and money. We compare prices from a range of different insurers so you don’t have to.

A specialist who knows your industry

We'll connect you with an agent who specialises in your field. They understand many of the challenges you face, and can truly get to grips with the type of cover you need.

Easy claims process

Accidents can happen, so when something does go wrong you can rest easy knowing our team is on hand to make the claims process as quick and stress free as possible.

Octopus customer rewards

We pride ourselves on the value we offer our customers, and with Octopus Customer rewards we give our customers a few additional benefits to their insurance such as discounts and offers to save them money.

No mid term fees, ever

We don’t charge any mid-term fees at all during the life of your policy – so there are no hidden fees following any changes you might need to make.

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