Public liability insurance for musicians

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.

What’s typically covered by business legal insurance?

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