Band Insurance

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As a group of musicians playing together you know that music is an experience best enjoyed collectively.

Whether you are a band busy gigging in pubs and clubs, a jazz ensemble, a brass band or an orchestral group, we can provide the right band insurance to suit your needs.

What is included with band insurance?

Firstly, you will require cover for any equipment you collectively own, for example – instruments, lights, a PA system, music, uniforms or clothing.

Then you will need Public Liability (PL) insurance. Many venues will require you to have PL cover before coming onto their premises, and you might be asked to provide evidence of this with a letter or certificate from your insurance providers. Often this will be required before the venue confirms your booking.

Depending on the size or complexity of your ensemble, you may require other cover.

Key band insurance features

  • Unlimited professional use
  • Loan instrument hire costs
  • Depreciation after a repair
  • All risks cover (fire, flood, loss, theft, accidental damage)
  • Worldwide cover
  • No time restrictions on worldwide travel
  • Depreciation in value following an accident
  • Cover whilst travelling (as long as the musical instrument is in a hard case)
  • Cover whilst at home
  • No claims discount of up to 20%

Optional extras

  • £2m or £5m Public Liability (if your band is not currently performing publicly you may not need this)
  • Cover against theft from an unattended vehicle, earthquake or climate conditions

Renting your instrument?

If a member of your brass band is renting their instrument, they will more than likely be responsible for making sure that it is correctly insured. Lark Music can provide comprehensive cover for any rental instruments on an annual basis or as a short-term addition.

How to arrange your band insurance

All bands and ensembles are different, and for this reason we do not offer online sales. Instead call our specialist team at Lark Music and we will discuss, advise and tailor the insurance for you.

Speak to a member of our team today to get the right band insurance for you.

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Why choose Lark Music?

Lark Music has been providing specialist music insurance across the world for over 25 years. We provide products to all audiences in music including musicians, collectors and dealers. Our service benefits include:

  • A dedicated Account Handler – so one number to call
  • In-house Claims Team to make the claims process as efficient as possible
  • Transactions in a choice of currencies (Sterling, Euro, US Dollar)
  • ‘No Claims Discounts’ available (up to 20%)
  • Choice of repairer
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