Music instrument insurance

Professional insurance for musical instruments

If you make your money as a musician, you need to know your musical instruments are covered if something goes wrong.

This is where business equipment insurance comes in. If you’re a professional musician, this cover can pay to repair or replace your musical instrument if it’s lost, damaged or stolen.

Start with core cover public liability insurance and then you can choose to add business equipment cover to your policy.

With musicians’ insurance from Simply Business you can get protection for you, your musical instruments and your audience in one simple policy.

Cover from £6.79 a month, get insured in minutes. (10% of direct debit customers repay their annual policy in 10 monthly payments of £6.79 or less across all our trades insured. Based on data from 1 July - 31 December 2020, for comparison only. Cancellation charges may apply, please refer to our full terms & conditions.)

Build your policy

Public liability insurance

As a musician you’re likely to be in close contact with members of the public, so public liability insurance will probably be your core cover. If someone sues you for injury or damage, your public liability policy can cover the legal fees and the compensation payment, which may take into account costs like medical bills and lost income. Choose a cover limit between £1 million and £10 million.

Musical instrument insurance

To cover your musical instrument under your business insurance policy, add business equipment insurance when you’re finding quotes. If your instrument - or another item that’s essential to your work - is lost, stolen or damaged, business equipment insurance can pay for its repair or replacement.

Why Simply Business?

• We're one of the UK's biggest business insurance providers
• All settled claims paid within 24 hours
• 9/10 Feefo ratings say we’re good (or excellent)
• 750,000 customers (and counting)
• Claims handled by an award-winning team
• Quote comparisons available from multiple insurers
• We run things from an expert, UK-based contact centre

Need more details? Hear more about your business cover options from our expert team in a quick set of videos. Just choose the cover you’re interested in and get some expert insight into how each option can help your business. You can also check out our business insurance FAQs.