Musician Insurance FAQs
Do I need music insurance?
Musicians' insurance is not a legal requirement. But if you start your career without cover, you could face a difficult recovery in the event of unexpected claims, loss or theft of your equipment, or injuries incurred while performing.
At the Musicians' Union, we recommend obtaining relevant and tailor-made insurance for musicians regardless of your experience or schedule.
What's the most important insurance for musicians?
If you work as a freelance or employed musician, insurance will help you maximise your career and worry less about potential consequences or unexpected issues. At the MU, we urge professionals to consider the following musicians' insurance policies:
- Public liability insurance could be invaluable for freelance performing musicians and could even be a requirement to perform in certain venues or for particular employers.
- All music teachers should consider professional indemnity insurance. This type of cover protects you against unexpected claims that might arise from complaints concerning an event at work.
What should I insure for music performances?
If you work as a performing musician, you should consider specialist musical instrument insurance to protect your assets and career. In addition, public liability insurance will protect you against damages to third-party property or injury to a third-party person incurred while you work.
What's the best insurance for musicians on tour?
Touring musicians should get travel insurance built specifically for those working in the industry. Cover for instruments and equipment could also be invaluable while you're on the move, but it's important to check that foreign travel is included in the terms too.