Insurance for your business

Musicians' insurance tailored to your professional needs

As a working musician you may not get much down-time and so buying insurance must be squeezed in between your many commitments. The insurance you need may also be complex due to the unique and broad nature of your work.

All these factors mean that you need a quick way of buying musicians’ insurance and a service that offers clear information about suitable covers so you are sure you have the right policy.

Buying musicians' insurance with Simply Business

1. Build a tailored policy using our simple quote form
2. Compare quotes from a range of trusted insurers
3. Choose a quote and buy it online
4. Speak to our UK insurance team if you get stuck
5. Receive your documents online instantly

Building your musicians' insurance policy

Music is a varied profession and so you may require a range of different covers. With Simply Business you can combine covers to build a policy that suits your needs. These covers should help you get started:

Public liability insurance will cover the cost of a claim if a member of the public is injured or their property damaged because of your work. Any venue you play at will expect you to be covered with your own public liability insurance.

Equipment insurance is particularly important for musicians, many of whom rely on expensive kit to do their job. It will cover the cost of replacing your equipment if it is damaged or stolen. With this type of insurance it is important to check the policy details to make sure it covers the right items.

Professional indemnity insurance is vital if you are commissioned to produce work for a client. If, for example, a project is held back because you deliver your piece late, you are likely to be held liable for any resulting financial loss suffered by the client. Professional indemnity insurance can cover the costs of a related claim. Many potential clients will refuse to do business with you unless you can prove that you have sufficient professional indemnity insurance.

Details to look out for

• Make sure that you read and understand any exclusions to your policy. Simply Business offers you the chance to read the policy documents in full before you buy.
• Remember that you will need separate cover if you intend to take your instruments or other equipment abroad.