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Close-up of guitar effects pedals with electric guitars blurred in the background under blue and purple lighting.

Personal Accident Insurance for Musicians

Personal accident insurance for musicians provides essential financial support if an injury stops you performing, teaching, or touring. Our cover starts at less than £9 a year.

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Musicians personal accident cover for individuals, bands and ensembles

From a sudden hand injury to an accident that knocks you off your feet, our personal accident insurance for musicians provides financial support when you’re left unable to play so you can simply focus on getting better.

Specialist musicians’ personal accident cover starting from under £9 a year

Designed for all types of musicians, including orchestra members, music teachers, performers, bands and more

Optional public liability insurance designed for musicians

Trusted by musicians across the UK – we’re rated 4.8 Stars on Feefo

Quick and easy quote process

Add musicians’ personal accident insurance to your policy when you take out your musical instrument insurance online.

Get a quote

Or, if you need a standalone musicians’ public liability and personal accident policy, just give us a call on 0333 188 6582.

Call us for a quote

What is personal accident insurance for musicians?

Personal accident insurance for musicians is a type of cover that provides much-needed financial support if you suffer an injury that stops you from working, whether you’re a musician in a band, ensemble or orchestra, performing on your own, a music teacher, producer or anyone that earns an income from musically related activities. It’s specifically designed for any musical performer who relies on their ability to play to earn money.

From a simple cut to the hand causing all sorts of problems for string players, to a broken wrist keeping a drummer away from the stage for weeks, unexpected injuries can happen – and even relatively minor hurts can disrupt your ability to perform. Personal accident insurance provides a vital safety net – paying either weekly instalments or a lump sum to plug the gap in your income, while giving you the time you need to recover.

A musician plays electric guitar on stage whilst a drummer performs in the background under stage lighting.

A guitar lies onstage in front of a drum kit and amplifier under stage lights, ready for a live performance.

At Lark Music, our musicians’ personal accident insurance provides lump-sum payments up to £30,000 in the case of death or permanent disablement, or weekly payments up to £375 per week* for any temporary total disablement where you are unable to undertake your normal paid musical activities following an accident.

And because we understand that all musicians are different, our personal accident cover is flexible to your needs. We offer two cover levels, and our pricing is based on how often you perform, so if you work less, you pay less – while being able to choose the level of cover that you think would suit you best.**

	Benefit Level 1	Benefit Level 2
Permanent total disablement or death	£10,000	£30,000
Total loss of hearing	£7,500	£20,000
Total loss of sight
Permanent loss of speech	£5,000	£15,000
Permanent loss of a limb
Partial loss of sight
Partial loss of hearing
Dental coverage	£250	£1,000
Temporary total disablement from your paid musical activities - Weekly payments after 2 weeks up to 12 months*	Up to £190 per week	Up to £375 per week

What does personal accident insurance cover?

When you rely on your ability to perform, record, travel or teach music to earn money, being unable to do so can be significant for musicians like you. Personal accident insurance for musicians provides financial cover when an injury stops you from working. It covers:

Accidental injury that prevents you from performing

Loss of income following an accident

Serious injury affecting your ability to play

Temporary or permanent disability

Support during recovery periods

At Lark Music, we know that accidents can happen at any time. That’s why we offer cover for accidents that happen both while you’re using musical instruments and equipment, as well as those that happen at home or at work, if you have another job.

Up to £1000 to adapt your musical instruments

Our cover provides up to £1,000 to adapt your musical instrument following permanent or temporary disablement as a result of an accident, helping you to keep playing.

Up to £1000 for physiotherapy

Our cover provides up to £1,000 to pay for physiotherapy to help you recover from your accident as part of a claim.

Up to £500 for independent financial advice

Our cover provides up to £500 to pay for independent financial advice as part of a claim, helping you get back on your feet and deal with the impact of an accident. You can chose your own advisor.

Up to £1000 for trauma or bereavement counselling

Our cover provides up to £1,000 to pay for counselling to help you or your loved ones move on from an accident or bereavement associated with a claim. We will also help find a councillor.

Up to £500 for urgent eye treatment

Our cover provides up to £500 for urgent eye treatment to prevent long term damage following an accident.

Up to £500 travel costs

Up to £500 to help cover expenses you incur returning home from a hospital.

Up to a further £500 to help cover the cost of your immediate family visiting you in hospital.

Who needs personal accident insurance?

Any musician who relies on performing to earn money benefits from personal accident cover, including freelance musicians, bands, gigging performers, touring artists, music teachers, self-employed musicians, orchestral players, session musicians, and DJs, music producers and more.

At Lark Music, we offer cover for all types of musicians – so whether you’re a violinist in an orchestra, an orchestra member, a singer with a band, or a DJ travelling between events, our personal accident insurance helps provide a financial safety net, even when you cannot play.

Person stands near a microphone and guitar effects pedals on stage, with an audience seated in the background.

Public liability insurance for musicians

Specialist public liability cover for performing musicians, bands, music teachers and more from less than £11 a year

While personal accident insurance for musicians provides cover if anything happens to you personally, it doesn’t cover you against claims for accidents that happen to anyone else as a result of your musical setup.

Musicians public liability insurance is a type of cover that protects you against a claim if a member of the public is injured or property gets damaged because of your musical activities, including performing, rehearsing, recording or teaching. In fact, some venues will often require you to have a public liability insurance policy before you can perform.

From speakers falling off stage and hurting someone, to accidental damage to the venue you’re playing in, or a pupil hurting themselves in your home, unexpected accidents can happen whether you’re performing or teaching. That’s why, with Lark Music, you can easily add musicians’ public liability insurance cover to your policy alongside personal accident cover.

We have four levels of cover to choose from – £1m, £2m, £5m and £10m – and our annual policies take into account how often you perform or undertake musical activities in public or with others, as well as the number of people that need protection, so you only ever pay for the cover you need.

Find out more

Close-up of a DJ mixer and headphones in front of musicians performing on stage with drums and keyboards.

For the love of music

After more than 35 years in this industry, we know how much music means to you. That’s why, at Lark Music, our cover is specifically designed for the unique needs of musicians. As a specialist music insurance provider, our straightforward and cost-effective policies reflect the realities of performing, teaching and touring.

We know no two musicians are the same, so our cover plays to your lead – providing quick, easy and flexible policies to make sure your musical equipment and activities are covered with care and attention. It’s why musicians across the UK trust us to keep them protected, from covering their treasured musical instruments to providing peace of mind for gigs, concerts, lessons and more.

Personal accident insurance for musicians – FAQs

What is personal accident insurance for musicians?

Personal accident insurance for musicians is a type of cover that’s designed to provide financial support if you’re accidentally injured and unable to perform. It offers benefits such as a lump sum payment or weekly income to help cover lost earnings, medical costs, or care while you recover. In a profession where your ability to play is directly tied to your income, it can be an important consideration.

Do musicians need personal accident insurance?

Personal accident cover isn’t mandatory for musicians, but it can be make all the difference when your income depends on your physical ability to perform. Injuries such as damaged hands or broken limbs, or accidents while travelling to or from gigs, can happen unexpectedly – having cover in place helps ensure you have financial support during recovery, reducing the impact of unexpected downtime.

Does personal accident insurance cover illness?

Typically, musicians’ personal accident insurance only covers injuries caused by accidents and does not include illness. For example, it would cover a broken arm from a fall but not time off due to flu or other medical conditions – these are generally covered by income protection schemes or a sickness insurance policy.

Is personal accident insurance important for self-employed musicians?

Yes, a personal accident policy is important for self-employed musicians, as you don’t have the safety net of employer sick pay. If an accident leaves you unable to perform, your income may stop immediately. Personal accident insurance provides a financial buffer, helping you manage essential expenses while you recover.

What is the difference between personal accident insurance and public liability insurance?

Personal accident cover for musicians provides financial support if you’re injured and unable to perform, helping with lost income or medical costs. In comparison, musicians’ public liability insurance covers you against any claims made by third parties, such as members of the public or venue operators, for injury or property damage caused by your musical activities.

Protect your ability to play, today

Add musicians’ personal accident insurance to your policy when you take out your musical instrument insurance online.

Get a quote

Or, if you need a standalone musicians’ public liability and personal accident policy, just give us a call on 0333 188 6582.

Call us for a quote

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*Weekly benefits are based upon your musical activity earnings, it is payable up to a maximum of 52 weeks. Payments would start after a 2 week excess period. Proof of earnings is required in the event of a claim. The maximum benefit payable will be based on the cover level chosen.

**We will ask you how often you perform or are otherwise musically active in public and to keep your policy up to date if this changes.

For the
love of music

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Lark Music is a trading name of Howden UK Brokers Limited, which is authorised and regulated by the Financial Conduct Authority No. 307663. Registered in England and Wales under company registration number 02831010. Registered Office: One Creechurch Place, London, EC3A 5AF. Calls may be monitored and recorded for quality assurance purposes.