Musicians' Public Liability Insurance: FAQs
When is Public Liability Insurance for musicians valid?
Your policy is valid anywhere in the world provided that you are a permanent resident in England, Scotland, Wales, Northern Ireland, the Isle of Man or the Channel Islands.
Each Musicians' Union public liability insurance policy runs for 12 months from 1 January and is annually renewable by the MU. For definitive information on our public liability insurance cover for musicians, including the terms and exclusions, please refer to the policy wording.
This policy is only operative while at least one of the following situations applies:
- The individual member of the MU is performing, rehearsing, auditioning or composing, either solo or as part of a group, band or orchestra.
- Teaching or mentoring in the field of music. This can be either at the musician's own home or while in transit for work purposes, including the setting up and dismantling of equipment.
- Setting up, operating and dismantling sound or lighting equipment at ground level only.
When do you need Employers' Liability Insurance?
Band leaders engaging other musicians, performers, technicians and other contractors or freelance workers may require employers' liability insurance.
This applies when there is a master/servant relationship and not a collaboration between equal parties. They should also obtain additional public liability insurance. If required, our legal partner Hencilla Canworth GI can provide this cover.
What do I need to know about my musicians' PLI contract?
- You will not receive any advice or recommendations in connection with these insurances.
- Our musicians' public liability insurance cover is provided to qualifying members of the MU as a benefit of membership.
- Each insurance product has been negotiated by Hencilla on behalf of the MU with the insurer selected being the sole provider of each policy.
- Hencilla Canworth GI Ltd receives a commission from the insurers for arranging this cover. In sourcing and placing your policy, Hencilla acts as the agent of the insurer.
How does Hencilla Canworth GI handle my personal data?
How Hencilla processes the personal data of Musicians' Union members is detailed within the Hencilla Privacy Notice, which is available on request or via Hencilla's website.
Need to contact customer service or make a complaint?
If you have a question about your musicians' public liability insurance or wish to make a complaint, please contact Hencilla directly. You can do this via email or by calling 020 8686 5050.
If you'd like to write a letter, use the following address:
Hencilla Canworth GI Ltd,
6 Cherry Orchard Road,
Croydon CR9 6AZ.