Our Cover

What our specialist music insurance covers

Public Liability cover up to £5m

Cover in case you injure another person or cause damage to third party property when performing or teaching. Professional Indemnity is included which will cover your legal liability if you’re deemed liable to have given negligent advice.

Equipment cover up to £50,000

Our equipment cover protects you in case your instrument/music equipment is lost, damaged or stolen including from a vehicle or venue.

Excess Waiver

Our tailor-made cover lets you set your own level of excess. By selecting excess waiver you won’t be liable for any part of the claim.

Worldwide cover

If you’re a UK resident and you need cover outside the UK, you can upgrade your policy for a small premium.

Personal Accident cover up to £30,000

If you’re involved in a serious accident whilst performing, you’ll be covered if the accident results in loss of limbs, permanent loss of sight, partial loss of sight, permanent total disability or accidental death. Dental treatment is also included (a £50 excess applies).

Performance cover

If you get paid to play, Performance Cover will cover Loss of Earnings, Equipment Breakdown and Music Equipment Hire to keep you playing whilst you’re waiting for a repair or replacement.

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