What is Musicians & Entertainers Insurance and why do you
need it?
If you perform as a musician, band, DJ or entertainer, you need
to protect yourself, your equipment, and those working with you
from risk. It may not seem important until the moment something
goes wrong – but without insurance the cost of accidents or
mistakes can be difficult to manage.
Musicians & Entertainers Insurance protects you if something
goes wrong during a performance, rehearsal or when moving or
storing equipment. Our policy gives peace of mind so that you,
those working with you and your equipment are protected against the
unpredictable costs that can arise as a result.
We pride ourselves on working with people with unique
requirements. As a musician or entertainer you have particular
risks - YOUR Insurance can help you find the right policy for your
needs.
To find out about what’s covered in our Musicians &
Entertainers Insurance policies, read more on our Benefits page.
How to buy Musicians & Entertainers Insurance from YOUR
insurance
We want to give you the customer service you’ve been looking
for. That’s why there are only three simple steps to choosing your
Musicians & Entertainers Insurance policy. We’re available with
advice at each stage too.
- Ask questions: we’re here to help in the way
that you choose. In addition to the information on this site, you
can request a call back for advice from our customer services team
at a time that suits you.
- Request a quote: use the web form, send us an
email, phone us, or get us to call you back with a quote.
- Buy your insurance: over the telephone – just
talk to our UK-based team of qualified insurance specialists.
Why choose us?
Insurance shouldn’t interrupt the way you work, but you need to
know it’s always there, so we make YOUR Insurance work with
your business. With YOUR Insurance, you can:
Spread your payments: to help you manage your
cash flow you can choose to pay your insurance premium in monthly
instalments.
Save time and money: we will email all of your
policy documents to you so you’ll have them straight away. And if
you have any queries there’s no cost to call us: all of our
telephone numbers are free.
Know that you have financial security: by
taking out our musician insurance policy
you’ll know you have the support of Europe's largest independent
insurance intermediary, Towergate Underwriting
Group Ltd.
Key features
Our Musicians & Entertainers Insurance can provide cover
for:
Instruments and equipment
We can provide cover against theft or damage to your musical
instruments, entertainment equipment, stage props and costumes -
even if they are left in a locked vehicle overnight when you’re on
the road (although some exclusions will apply).
Public Liability
Your policy can provide valuable protection against injury to the
public or damage to their property if caused by your activities
including during a performance.
Employers’ Liability: can be added if you have
already selected Public Liability cover. It protects any employees,
helpers, volunteers or roadies working with you– it’s also a legal
requirement for some musicians and entertainers so worth including.
It protects you from legal or compensation fees in the event of an
accident.
Hire costs
It can be disastrous if your musical instruments or equipment are
stolen or damaged. We can cover the cost of hiring a replacement so
you can carry on working.
European cover
You can also include cover for Europe or Worldwide cover if you
perform further afield.
As with all insurance policies, limits and level of cover will
depend upon the package you choose.
Things to look out for
To make sure you get the most from your insurance, it’s also
important to understand the responsibilities you have as the policy
holder too.
Average clause
This is applied by insurers in the event of a loss where the
insured items have not been insured for their full value. The claim
would be reduced by a relative proportion. Musical instruments can
vary hugely in value therefore it is important to insure yours
adequately.
Venue requirements
Some venues (such as council venues) will not let you hire their
property unless you have adequate Public Liability Insurance in
place.
Accidents
You do have a responsibility to take reasonable precautions to
protect yourself and others. But if equipment falls over or someone
trips on a trailing cable for example, you could be liable for
legal fees and compensation costs. That’s why Public Liability is
important to include.
Compensation
If someone you employ, such as a roadie, injures themselves whilst
working for you, you may be faced with a claim for compensation.
Employers’ Liability is available to provide cover in this
event.
In transit
Instruments, props, equipment and other items connected with your
business remain covered against damage or theft, even when they are
moving between locations.
Minimum security standards
Unfortunately theft is a common occurrence. As a result, most
insurers will specify the minimum security measures you must take
to minimise risk of equipment being stolen. Everything should be
stored out of site and inside a locked building or vehicle for
example.
