Musician Insurance
4.8/5 on
- A-rated carrier
- 24/7 online dashboard access
- Affordable, transparent pricing
- Monthly or annual payments
- Occurrence-form coverage
What Is Musician Liability Insurance?
Musician liability insurance is general liability business insurance built for musicians and performers. It’s designed to protect you from the costs of third-party injury and property damage claims tied to your performance, setup, or teardown.
For example, if a wedding guest trips over your equipment and gets hurt, or your setup damages the venue’s floor, musician insurance can help cover the costs.
Our policies cover you (nearly) everywhere you perform, including:
- Weddings
- Festivals
- Fairs
- Parties
- Farmers markets
- Corporate events
- Recording studio sessions
- Live music gigs at bars and restaurants
Pro Tip: In addition to insurance for solo artists, Insurance Canopy also offers band coverage.
Why Do Musicians Need Insurance?
Most musicians need insurance because a venue, client, or event coordinator asks for it — often as the last box to check before a gig is confirmed. Proof of coverage (and being added as an additional insured) is a standard booking requirement at everything from wedding venues to festivals to your local brewery.
Having a policy ready means you can say yes to those bookings on the spot instead of scrambling. It also covers the everyday what-ifs of live performance: a guest trips over a cable, your gear nicks the venue’s wall, someone claims your setup damaged their property. Accidents like these are rare, but when one happens, your policy handles the cost instead of your bank account.
You may even need your own entertainer insurance to play with an orchestra or ensemble. Wherever and however you perform, Insurance Canopy makes it easy to protect your music business.
How Much Does Liability Insurance for Musicians Cost?
Annual musician policies with 365 days of coverage start at just $18.50 per month or $199 annually. Single event policies cost $59 per event and include up to three consecutive days of coverage.
Coverage Details Limits
General Liability Aggregate Limit
The most your policy can pay annually for bodily injury and property damage claims occurring during your coverage period as a result of your business operations. For example, someone getting injured after tripping over your extension cord.
$2,000,000
Products – Completed Operations Aggregate Limit
The maximum amount your policy will pay annually for claims of bodily injury or property damage due to an incident that occurred with a product or service you provide or sell, such as a toddler ingesting glowstick gel.
$2,000,000
Personal and Advertising Injury Limit
The amount your policy will pay for claims arising out of one or more of the following offenses:
- False Arrest, detention or imprisonment
- Malicious prosecution
- Wrongful Eviction or
- Wrongful Entry
- Oral or written publications that slander or libels a person or organization
- Oral or written publication or material that violates a person’s right of privacy
- The use of another’s advertising idea in your advertisement
$1,000,000
General Each Occurrence Limit
The maximum the insurance carrier will pay for one individual bodily injury or property damage claim that you become legally obligated to pay due to your business operations.
$1,000,000
Damage to Premises Rented to You Limit (Any One Premises)
Applies to damage by fire to premises rented to the insured for more than 7 days, and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$300,000
Medical Expense Limit
A no-fault medical policy that allows you to cover medical or funeral expenses for an individual up to the issued limit without deducting from the general liability aggregate limit. The injury or death must be as a result of a bodily injury caused by business operations.
$ 5,000
Unlimited Additional Insureds
Coverage for a third party, such as a business, property owner, event organizer, or employer who could be named in a claim arising from your business operations. It cannot be used for employees, friends or family, yourself, or other businesses you may own.
$0 for Annual and
$5 for Event
Equipment and Gear Coverage
Also known as “inland marine,” it covers property that is movable or transportable in nature (e.g. equipment, inventory) but excludes coverage for structures and items that are a permanent part of the structure.
$2,000 policy year
+$7.50/month
$5,000 policy year
+$15/month
Deductible
$250
Cyber Liability Coverage
The maximum amount paid out in the case of a cyber attack on your business. Pays for things like credit monitoring for impacted parties and regulatory fines and penalties.
$100,000 policy year
+$8.25/month
$250,000 policy year
+$12.50/month
Deductible
The amount deducted from a claim before paying up to your policy limits.
$1,000
Excess Liability Coverage ($1,000,000)
$29.17/month
Annual Policy – 365 Days Covered
From $18.50/month
Event Policy – 1-3 Days Covered
From $59 per event
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They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026 -
Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026 -
Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026 -
Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026 -
Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025 -
Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025 -
So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025
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They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025Great experience, quick and easy to understand with what I needed for my business. Highly recommend!
FrankLynn Rae
October 28, 2025Very helpful customer service! Prompt, punctual, effective! No bots or long waits to get assistance.
Maria Ciccone
October 19, 2025 -
Canopy insurance has made affordable, band insurance needed for major venues. Thank you for your fast and easy service Stan Zizka's Del Satins
stan zizka
October 5, 2025Getting a vendor policy was quick and fairly priced compared to other quotes.
Kristine Fullerton
October 3, 2025Thank you so much
Steve Monreal
July 11, 2025 -
I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie Calaway
July 4, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025 -
Very easy to renew policy
Elyce Nissinoff
June 18, 2025Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025 -
Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More
Gretje Angell
June 18, 2025Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David Fox
May 18, 2025They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 18, 2025 -
everything is excellent
Radames Martinez
May 18, 2025Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!
Ishan Arvin
May 18, 2025Affordable for dance & yoga folk. Thumbs up!
Maia Claire
May 18, 2025
Choose musician insurance with Insurance Canopy and hit the right chords every time, everywhere.
FAQs About Musician Insurance
What Type of Insurance Should a Musician Have?
Musicians need at least general liability because it provides financial protection for the most common types of claims, including:
- Third-party bodily injuries, like a guest’s or audience member’s trip-and-fall accident
- Property damage, like scuffs on stages or floors from your equipment
- Personal and advertising injury, like using an audience member in your ads without their permission.
What’s Covered Under a Musicians’ Insurance Policy?
All Insurance Canopy musician policies include general liability insurance, which covers third-party injury and property damage claims. For example:
- An audience member gets hurt by a speaker that falls off the stage during one of your shows.
- While moving your keyboard into a venue, it bumps against the wall, leaving a large hole. The venue holds you responsible for repair costs.
- One of the employees at the venue trips over your amp and injures themselves. They sue you to pay their medical fees.
You can further customize your annual policy coverage with add-ons that extend your protection.
Both annual and event policies allow you to list clients, venues, property owners, and similar entities as additional insureds if they request it.
Can I Insure My Musical Instruments?
Absolutely! You can add Gear and Equipment Coverage (inland marine) to annual musician insurance policies. This optional add-on extends insurance coverage to your musical instruments and other gear in case of damage or theft.
Add this coverage to your policy during the application process. Or, if you already have an Insurance Canopy policy, simply log in to your online dashboard to add gear and equipment coverage. There are two tiers to choose from:
- $2,000 coverage per policy year (+$7.50 per month)
- $5,000 coverage per policy year (+$15.00 per month)
What Is an Additional Insured and How Do I Add One?
An additional insured is usually a venue owner or event organizer who is added to your policy so they’re also covered by your insurance. If someone files a claim against you and names the event or venue alongside you, they have coverage under your policy, too.
You can add one additional insured for $5 or an unlimited number for $10 during the checkout process or any time after, right from your online dashboard.
What Is a Certificate of Insurance (COI) for Musicians?
A certificate of insurance (COI) is a document from your insurance company that verifies you have coverage. It provides proof of insurance, outlining your policy limits and listing all third parties named as additional insureds.
Many event coordinators and venues require you to provide a COI before you can sign a contract or book gigs.
When Can I Receive a Certificate of Insurance?
You can download your COI immediately after adding an additional insured to your policy. Just click “Proof of Insurance” on your online dashboard to view and download your documents.
Are Wedding Musicians Covered Under Musicians Insurance?
Yes! You’re covered under our musicians’ insurance policy if you perform at weddings. If you play more than a few weddings a year, we recommend purchasing an annual policy to protect all your gigs for less.
Are you a wedding DJ? Purchase DJ insurance coverage instead.
What if a Claim Is Filed After My Policy Ends?
You’re still covered, as long as the incident happened while your policy was active. That’s called occurrence-form coverage — it goes by when the accident occurred, not when the claim gets filed. So if a guest trips at a gig this summer but doesn’t sue until next year, your policy still has your back.
Still have questions regarding our policies? Feel free to reach out to our licensed insurance agents. We are available Monday through Friday from 8am–8pm ET.
I’ve seen wedding-gig chaos firsthand, and I know the liability risks musicians face
Scheduling, setting up, finding a functional power outlet; gigs are stressful enough without
Yes! But we know getting insurance isn’t at the top of most wedding