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Public liability insurance for musicians

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Claims paid in 24 hours

For 80% of settled claims

What's on this page

  • Why is insurance important?
  • What does it cover?
  • How much does it cost?
  • How do claims work?
  • FAQs
  • Helpful articles

Insurance for musicians – why is it important?

Whether it’s protecting your equipment, your audience, or yourself, a flexible insurance policy can allow you to play with peace of mind. With the right cover you can get back to business as normal. You can start with public liability insurance and build from there.

  • optional personal accident cover for your own injuries, or anyone on the policy
  • public and product liability between £1 million and £10 million
  • trusted by over 900,000 small UK businesses for flexible, tailored cover

Start your quote

What does musicians insurance cover?

Most businesses usually start with public liability insurance when building a policy. It protects your business against injury, illness, and property damage claims from members of the public. Beyond that, you can tailor your policy to cover the different risks your business faces.

Public liability insurance

In case your business and products cause an injury or property damage.

What’s typically covered by public liability insurance for musicians?

Claims against your business for:

  • any injury or illness caused by you at work, or because of your work
  • property damage caused by your business
  • injuries or accidental damage caused by one of your employees, if you have any

For example:

  • you spill hot coffee on a client’s laptop, scolding their arm and damaging the laptop screen
  • you accidentally scratch the flooring in the venue you’re working in
  • your employee leaves a trailing wire, causing someone to trip and twist their ankle

**If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.**

Read more about public liability insurance

Employers’ liability insurance

In case anyone gets ill or injured while working for your business.

What’s typically covered by employers’ liability insurance?

Claims against your business for:

  • an injury that happens as a result of working for you (including temps and casual workers)
  • an employee, including a contractor or casual labourer, suing you after falling ill because of working for you

**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:

  • your employee injures their lower back while moving furniture at your premises and holds you responsible
  • an employee cuts their hand on a damaged countertop and sues you for operating an unsafe workspace
  • a member of staff trips over while unloading business equipment, injuring their knee

Contents insurance

In case something happens to your fixtures, fittings, or operational equipment.

What’s typically covered by business equipment insurance?

Claims against your business for:

  • accidental damage to your contents, or the equipment you use to run the business
  • theft, flood, and fire damage

For example:

  • someone breaks into your business premises and steals three company laptops, as well as two sets of headphones
  • a faulty dishwasher floods your office kitchen, causing damage to several appliances
  • your business equipment is damaged by vandals during a break-in

Read more about business equipment insurance

Business legal insurance

In case you’re hit with legal expenses connected to your business.

Claims against your business for:

  • unpaid invoices
  • contracts for the purchase, hire, sale, or provision of goods or services provided to you
  • an alleged breach of statutory rights with an employee

For example:

  • you need to recover debt after a client refused to pay their invoice, caused by a contractual dispute
  • you’re facing legal costs as a client is disputing whether you met your contractual obligations with your hire agreement

Read more about business legal insurance

Personal accident insurance

In case anyone you’ve covered is accidentally injured, at work or off-duty.

What’s typically covered by personal accident insurance?

Claims against your business for:

  • an accidental injury or death suffered by anyone who’s named on the policy (whether it happens at work or elsewhere)
  • medical costs and hospitalisation benefit, as well as income lost by your business

For example:

  • your office manager – who you’ve covered on the policy – injures their back at the gym and can’t work at full capacity for a month
  • you suffer a serious burn while cooking and need to take time off work for treatment
  • one of your employees breaks their arm while playing football, and can’t work at full capacity for three weeks

Read more about personal accident insurance

Stock insurance

In case something happens to your products and consumables.

What’s typically covered by stock insurance?

Claims against your business for:

  • loss of stock, and theft or malicious damage to your stock
  • damage or destruction to stock caused by fire or flood
  • the essentials you keep as stock – the items you need to sell to operate

For example :

  • someone forces entry to your business premises and steals from your stockroom
  • an important stock order falls from the back of your van and is never recovered
  • you’ve taken a stock delivery, which is stolen while you’re speaking to a neighbour

Read more about stock insurance

Excess insurance

In case you need to make a claim on your insurance policy.

What's typically covered by excess insurance?

Claims made by you for:

when you make a claim on a cover included in your business insurance policy, you won’t need to pay excess

For example :

  • after a heavy storm you need to make a claim on your building cover – you don’t have to pay the £250 excess thanks to your excess insurance
  • a leak in the bathroom causes a guest to slip and injure themselves and thanks to excess cover, there’s no excess to pay on the claim
  • a tenant’s suitcase scratches the wooden flooring in your hallway – you won't have to pay any excess on your accidental damage claim

This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions

How much does public liability insurance for musicians cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Prices start from £3.19 per month

Get your quotes in 7 minutes – prices are guaranteed for 30 days.

Get your tailored quotes in 7 minutes

Start your quote

10% of our customers paid up to £38.32 a year for a public liability insurance policy between 1st April 2023 - 30th June 2023. Equivalent to £3.19 per month based on a monthly cost when paying for the policy in one annual payment. Paying monthly is usually more expensive as you'll pay interest. Most customers pay more than this but some pay less.

What kind of excess should I expect?

An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.

Insurance cover

Lowest excess

Highest excess

Public liability

No excess

£750

Employers' liability

No excess

No excess

Contents

£200

£4,000

Stock

£200

£4,000

The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.

How it works

  • Pick what goes into your policy

    Only pay for what you need

  • Get prices from a range of insurers

    Choose the best fit for you

  • Buy online in minutes

    Get your documents the same day

Start your quote

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How do insurance claims work for musicians?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims team any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.

£39 million in claims paid out in 2022

Paying 80% of settled claims within 24 hours in 2022

The figure above is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.

Chosen by 900,000 small businesses and landlords

We started out as a team of 5 back in 2005. We’ve grown since then with 900,000 customers across 1,500 trades now trusting us to provide their insurance.

  • Compare and buy in minutes

    Documents arrive today

  • Rated 4.7/5

    Based on 39,717 reviews

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Musicians insurance FAQs

Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about insurance for off licences. You can also check out our business insurance FAQs.

  • Yes. You may start offering additional services that require you to use different skills or carry out different tasks. If you find yourself in this situation, it’s important to give us a call on 0333 0146 683 to update your policy before you take on this new work.

    If you don’t have the correct type of cover in place for the work you do, you may be unable to claim on your policy if something goes wrong.

  • Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.

  • You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:

    • one-off credit or debit card payment
    • BACS payment
    • Direct Debit

    If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly installments.

  • This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.

    If you employ people, you’re required by law to have employers’ liability insurance.

    There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.

We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions

Helpful articles for musicians

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11 March 2022 • 8-minute read

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