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Public Liability Insurance

An important benefit of membership

On this page you will find information about:

  • Public Liability Insurance for MU members
  • Advice on employers’ liability
  • Policy Summary and key features of cover
  • How to make a claim

A benefit protecting MU members against damage to a person or their property while performing or teaching.

Employers, local authorities and the like increasingly require written evidence that musicians are insured against Public Liability before they are able to perform. Public Liability Insurance is provided by the Musicians’ Union to a current level of indemnity of £10 million per individual member.

This benefit of Musicians’ Union membership protects members from the financial consequences of claims against them for bodily injury and/or damage to property of any person not your employee whilst performing either solo or as part of a group/band/orchestra and/or whilst teaching in a public or private place (including at home.

This cover applies only to individual MU members who are in benefit with subscriptions in accordance with the Rules of the Union. No separate registration is needed.

In order to comply with the Union’s Public Liability insurance cover, members should be aware that:

  • They have a duty of care to take all reasonable precautions to prevent damage or injury to third parties and/ or third party property; and
  • They must comply with all statutory requirements and safety legislation imposed by any authority;
  • The lack of a valid Portable Appliance Testing (PAT) certificate does not in itself automatically invalidate cover under the Union’s PLI scheme. However, the possession of a certificate would satisfy the insurers on the points identified above in the event of a claim being made.

Advice on Employers’ Liability and Additional Public Liability Insurance

The Musicians’ Union Public Liability Insurance (PLI) covers individual MU members in respect of the following activities subject otherwise to the terms and conditions  of the policy:

Memorandum - Definition of Business Activities

This policy is only operative whilst the individual registered members of Musicians' Union are performing, rehearsing, auditioning or composing either solo or as part of a group, band or orchestra and/or whilst teaching or mentoring in the field of music either at the member's own home or any other place and in transit thereto and therefrom including the setting up and dismantling of equipment and/or individual registered members of the Musicians' Union whilst setting up, operating and dismantling sound or lighting equipment at ground level only.

Band leaders engaging other musicians, performers or technicians etc (where there is a master/servant relationship and not a collaboration between equal parties) will legally require employer’s liability insurance and should also be advised to obtain additional public liability insurance (as the band leader will be vicariously liable for the actions of those musicians etc acting on their behalf) which wouldn’t be covered under the MU PLI.

The MU PLI policy also excludes injury to any Employee as follows:

We will not provide indemnity in respect of

(1) Personal Injury to any Employee arising out of and in the course of employment by You in The Business.

With Employee being defined as follows:

Employee Any person who is

(1) under a contract of service or apprenticeship with You

(2) borrowed by or hired to You

(3) a labour master or supplied by a labour master

(4) employed by labour only sub-contractors

(5) self-employed

(6) under a work experience or training scheme

(7) a voluntary helper while working under Your control in connection with The Business

(8) an outworker or homeworker when engaged in work on Your behalf.

Members will be able to obtain such cover via Hencilla Canworth’s website should this be required.

Hencilla Canworth will be happy to discuss the requirements of members on 020 8686 5050 or

Policy summary and key facts

This is a summary of cover only. Please contact the Union’s preferred supplier Hencilla Canworth for full details of the policy cover, terms and conditions available.

About the policy

This insurance is underwritten by AVIVA. English Law will be applicable unless otherwise stated in your Policy’s terms and conditions. The policy will provide you with Public/Products Liability Insurance, and will be issued for an annual period effective from 1 January 2016.

Your business activities

This policy is only operative whilst the individual registered member of the MU is performing, rehearsing, auditioning or composing, either solo or as part of a group, band or orchestra, and/or whilst teaching or mentoring in the field of music, either at the member’s own home or any other place and in transit thereto and therefrom, including the setting up and dismantling of equipment, and/or individual registered members of the Musicians’ Union whilst setting up, operating and dismantling sound or lighting equipment at ground level only. The Business includes the ownership, use and upkeep of your premises.

Territorial limits

You will be insured while in Great Britain, Northern Ireland, the Channel Islands or the Isle of Man and while temporarily engaged on business on visits outside these territories.

Key features of cover for Public and Products Liability

This policy provides cover in respect of legal liability for damages including legal costs for:

  • Accidental personal injury to any person not your employee.
  • Accidental damage to third party Property.
  • Nuisance and trespass (excluding deliberate acts) happening during the period of insurance in connection with the Business.

The limit of indemnity will be £10,000,000 any one claim (any one period in respect of Products liability).

  • Compensation for court attendance in connection with a claim; £250 per day.
  • Indemnity to Principal.
  • Member to member liability (not an employee).

What is not covered

1. Injury to any Person Employed.

2. Risks that require more specific insurance, i.e. Motor, Marine, Aircraft etc.

3. Damage to Property in the custody or control of the Insured.

4. Pollution or contamination unless sudden and accidental.

5. Costs of repair, recall or replacement of defective products.

6. Advice, design or specification for a fee.

7. Fines and penalties.

8. Aircraft and nuclear risks.

9. Use of pyrotechnics, explosives or any special effect.

10. Exposure to asbestos.

11. The actions of an employee.

12. The first £100 of a property damage claim.

How to make a claim

In the unfortunate event that you need to make a claim, please contact Hencilla Canworth immediately. The company’s contact details are listed below. Please note that late notification can lead to claims being repudiated. Under no circumstances should you admit liability following a claim or an incident that could give rise to a claim.

How to make a complaint

Hencilla Canworth is dedicated to providing you with a high standard of service and we want to ensure we maintain these standards at all times. If you feel that we have not offered you a first class service please write and tell us and we will do our best to resolve the problem.

Should you have any questions or concerns about your insurance or the handling of a claim you should, in the first instance, contact Hencilla Canworth. If Hencilla is unable to resolve your complaint, your case may be referred to the Financial Ombudsman Service. Further details will be provided to you at the appropriate stage of the complaints process.

Details of our regulator

Hencilla Canworth Limited and AVIVA Bonus are authorised and regulated by the Financial Conduct Authority (FCA). The FCA website includes a register of all regulated firms,  The Financial Conduct Authority can also be contacted on 0800 111 6768.

Additional information

If you require any further information or wish to request a copy of the policy wording, please contact:

Hencilla Canworth
Simpson House
6 Cherry Orchard Road

T 020 8686 5050
F 020 8686 5559

Download your PLI Certificate

Download your personal PLI certificate (login required).

Related downloads

Public Liability Insurance Schedule 2019 (PDF 2.19 MB file opens in new window)