Public Liability Insurance for Musicians

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

What is public liability insurance for musicians?

Music public liability insurance is a type of cover that protects you if a member of the public is injured or property gets damaged because of your musical activities, including performing, rehearsing, recording or teaching. For musicians, it can be vital.

If your band’s performing at a public venue and someone trips over your cables and injures themselves, or your heavy sound equipment damages the stage, you could be liable. Similarly, if you’re a music teacher and a student hurts themselves in your home, or you’re rehearsing at a studio and accidentally damage the equipment, you could have a claim made against you. Public liability offers you protection.

At Lark Music, we offer cover for individuals or groups, so whether you’re an amateur performing at the weekends, a semi-professional or professional musician, DJ, producer or studio, a music teacher, band or ensemble, we can offer specialist musicians’ public liability insurance for you – helping to protect you against the unexpected, and giving you the peace of mind to keep making music happen.

How much Public Liability Insurance do musicians need?

As a gigging musician, you know that venues and events can vary significantly, from intimate café gigs to large-scale public festivals – and each have different levels of risk. How much public liability insurance cover you need will depend on where, and how often, you perform. We offer a range of different levels of public liability insurance for musicians, so you can always choose the cover that best matches your needs.

How much does public liability insurance cost?

How much your public liability insurance will cost depends on a range of factors. These include the level of cover you need, whether you’re a professional or amateur musician, how often you perform, how often and where you teach, and the value of your musical equipment.

We understand that many musicians may face financial pressure. That’s why, with Lark Music, you only pay for the amount of cover you need – starting from less than £11 a year.

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. Plus you can choose from four different levels of cover, either as part of your musical instrument insurance or as a separate policy.

If you need a standalone musicians’ public liability policy, just give us a call.

Who should have musicians’ public liability insurance?

If you perform, teach or play professionally outside your home, you should consider  public liability cover. Our insurance covers gigging musicians, bands, DJs, music teachers, session musicians, touring performers, music producers and more. Whether you’re a full-time professional musician, semi-professional, or amateur, we’ll keep you covered so you can play on, protected.

Personal accident insurance for musicians

Personal protection for solo musicians, bands and ensembles – from under £9 a year

While musicians’ public liability insurance helps protect you from the cost of a claim if a member of the public is hurt, it doesn’t offer protection if you have an accident yourself. If your livelihood depends on your ability to perform, you may want to consider personal accident cover to keep you protected if you’re unable to play due to an accidental injury.

Accidents can happen to the best of us. From injuring a hand on tour, hurting yourself while loading or unloading heavy equipment, or having an accident on route to a gig, if you can’t play, you won’t get paid. Personal accident insurance for self-employed musicians offers a safety net – providing financial support if injury stops you working.

At Lark Music, our Musicians Personal Accident cover 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.

We offer personal accident cover alongside musicians’ public liability insurance for individual musicians, or all members of a band or ensemble, from just £9 a year.